Muthoot Finance Limited
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; m… Read more
Muthoot Finance Limited - Asset Resilience Ratio
Muthoot Finance Limited (MUTHOOTFIN) has an Asset Resilience Ratio of 6.00% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2006–2025)
This chart shows how Muthoot Finance Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Muthoot Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ₹108.05 Billion | 6.0% |
| Short-term Investments | ₹0.00 | 0% |
| Total Liquid Assets | ₹108.05 Billion | 6.00% |
Asset Resilience Insights
- Limited Liquidity: Muthoot Finance Limited maintains only 6.00% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Muthoot Finance Limited Industry Peers by Asset Resilience Ratio
Compare Muthoot Finance Limited's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
Annual Asset Resilience Ratio for Muthoot Finance Limited (2006–2025)
The table below shows the annual Asset Resilience Ratio data for Muthoot Finance Limited.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-03-31 | 0.28% | ₹3.66 Billion | ₹1.33 Trillion | -0.51pp |
| 2024-03-31 | 0.78% | ₹7.54 Billion | ₹964.69 Billion | -1.00pp |
| 2023-03-31 | 1.78% | ₹14.29 Billion | ₹801.49 Billion | -6.09pp |
| 2022-03-31 | 7.87% | ₹60.06 Billion | ₹763.16 Billion | +4.34pp |
| 2021-03-31 | 3.52% | ₹24.20 Billion | ₹686.41 Billion | -1.44pp |
| 2020-03-31 | 4.96% | ₹27.24 Billion | ₹548.82 Billion | +5.23pp |
| 2019-03-31 | -0.27% | ₹-1.11 Billion | ₹417.35 Billion | -0.38pp |
| 2018-03-31 | 0.12% | ₹389.93 Million | ₹336.72 Billion | +0.06pp |
| 2017-03-31 | 0.06% | ₹188.20 Million | ₹321.84 Billion | +0.06pp |
| 2016-03-31 | 0.00% | ₹3.88 Million | ₹273.95 Billion | -0.04pp |
| 2015-03-31 | 0.04% | ₹119.25 Million | ₹269.96 Billion | -0.08pp |
| 2014-03-31 | 0.12% | ₹315.31 Million | ₹255.94 Billion | -0.13pp |
| 2013-03-31 | 0.25% | ₹750.01 Million | ₹294.16 Billion | -1.28pp |
| 2012-03-31 | 1.53% | ₹3.58 Billion | ₹233.72 Billion | +1.53pp |
| 2009-03-31 | 0.00% | ₹-4.90K | ₹37.60 Billion | +0.00pp |
| 2008-03-31 | 0.00% | ₹-4.68K | ₹22.86 Billion | -1.41pp |
| 2006-03-31 | 1.41% | ₹132.83 Million | ₹9.41 Billion | -- |