Muthoot Finance Limited - Asset Resilience Ratio

Latest as of December 2025: 6.00%

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. See MUTHOOTFIN working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rs108.05 Billion

≈ $1.17 Billion USD Cash + Short-term Investments

Total Assets

Rs1.80 Trillion

≈ $19.49 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2006–2025)

This chart shows how Muthoot Finance Limited's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see MUTHOOTFIN asset base.

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. Explore Muthoot Finance Limited (MUTHOOTFIN) investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs108.05 Billion	6.0%
Short-term Investments	Rs0.00	0%
Total Liquid Assets	Rs108.05 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
Direct Finance TA TA:DIFI	Credit Services	0.01%
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
Latitude Group Holdings Ltd AU:LFS	Credit Services	3.67%
OppFi Inc NYSE:OPFI	Credit Services	6.56%
Starteck Finance Limited NSE:STARTECK	Credit Services	0.02%
Mint Corp V:MIT	Credit Services	0.00%
Williamson Magor & Company Limited NSE:WILLAMAGOR	Credit Services	0.06%
Butn Ltd AU:BTN	Credit Services	3.72%

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%	Rs3.66 Billion ≈ $39.55 Million	Rs1.33 Trillion ≈ $14.37 Billion	-0.51pp
2024-03-31	0.78%	Rs7.54 Billion ≈ $81.50 Million	Rs964.69 Billion ≈ $10.43 Billion	-1.00pp
2023-03-31	1.78%	Rs14.29 Billion ≈ $154.55 Million	Rs801.49 Billion ≈ $8.67 Billion	-6.09pp
2022-03-31	7.87%	Rs60.06 Billion ≈ $649.49 Million	Rs763.16 Billion ≈ $8.25 Billion	+4.34pp
2021-03-31	3.52%	Rs24.20 Billion ≈ $261.67 Million	Rs686.41 Billion ≈ $7.42 Billion	-1.44pp
2020-03-31	4.96%	Rs27.24 Billion ≈ $294.57 Million	Rs548.82 Billion ≈ $5.94 Billion	+5.23pp
2019-03-31	-0.27%	Rs-1.11 Billion ≈ $-12.00 Million	Rs417.35 Billion ≈ $4.51 Billion	-0.38pp
2018-03-31	0.12%	Rs389.93 Million ≈ $4.22 Million	Rs336.72 Billion ≈ $3.64 Billion	+0.06pp
2017-03-31	0.06%	Rs188.20 Million ≈ $2.04 Million	Rs321.84 Billion ≈ $3.48 Billion	+0.06pp
2016-03-31	0.00%	Rs3.88 Million ≈ $42.01K	Rs273.95 Billion ≈ $2.96 Billion	-0.04pp
2015-03-31	0.04%	Rs119.25 Million ≈ $1.29 Million	Rs269.96 Billion ≈ $2.92 Billion	-0.08pp
2014-03-31	0.12%	Rs315.31 Million ≈ $3.41 Million	Rs255.94 Billion ≈ $2.77 Billion	-0.13pp
2013-03-31	0.25%	Rs750.01 Million ≈ $8.11 Million	Rs294.16 Billion ≈ $3.18 Billion	-1.28pp
2012-03-31	1.53%	Rs3.58 Billion ≈ $38.75 Million	Rs233.72 Billion ≈ $2.53 Billion	+1.53pp
2009-03-31	0.00%	Rs-4.90K ≈ $-53.01	Rs37.60 Billion ≈ $406.63 Million	+0.00pp
2008-03-31	0.00%	Rs-4.68K ≈ $-50.62	Rs22.86 Billion ≈ $247.20 Million	-1.41pp
2006-03-31	1.41%	Rs132.83 Million ≈ $1.44 Million	Rs9.41 Billion ≈ $101.71 Million	--

pp = percentage points

About Muthoot Finance Limited

NSE:MUTHOOTFIN India Credit Services

Market Cap

$12.03 Billion

Rs1.11 Trillion INR

Market Cap Rank

#1942 Global

#72 in India

Share Price

Rs2770.20

Change (1 day)

-0.04%

52-Week Range

Rs2722.30 - Rs4091.70

All Time High

Rs4091.70