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Muthoot Finance
3.6
based on 5.4k Reviews
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Company Overview
Associated Companies
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Working at Muthoot Finance
Company Summary
Bringing joy to millions through a Diversified Product Portfolio. Muthoot Finance is the Largest Gold Loan NBFC in India.
Overall Rating
3.6/5
based on 5.4k reviews
8% below
industry average
Critically rated for
Promotions, Work satisfaction
Work Policy
Work from office
92% employees reported
Monday to Saturday
91% employees reported
Strict timing
72% employees reported
Within city
48% employees reported
View detailed work policy
Top Employees Benefits
Job/Soft skill training
236 employees reported
Health insurance
91 employees reported
Office cab/shuttle
57 employees reported
Professional degree assistance
24 employees reported
View all benefits
About Muthoot Finance
Founded in1939 (86 yrs old)
India Employee Count10k-50k
Global Employee Count10k-50k
India HeadquartersKochi/Cochin, Kerala, India
Office Locations
--
Websitemuthootfinance.com
Primary Industry
Other Industries
--
View in video summary
Muthoot Finance is the flagship company of The Muthoot Group, a business conglomerate with a legacy of 800 years. With over 7,000 branches in India and abroad, Muthoot Finance is India’s largest gold loan NBFC and has been recognized as India’s No. 1 Most Trusted Financial Services Brand by the TRA Brand Trusted Report for the 9th consecutive year. It operates as a reputed ‘Systemically Important Non-Deposit Taking Upper Layer NBFC’ and provides loans secured against household gold jewelry at highly affordable rates. The Group’s global presence spans the USA, UK, UAE, Costa Rica, Nepal, and Sri Lanka.
Mission: To build leading customer-centric businesses enabled by technology, maintaining the highest standards of corporate governance and uncompromising values.
Vision: Be the most trusted, globally diversified institution enriching lives of the masses while contributing back to the society.
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Muthoot Finance Ratings
based on 5.4k reviews
Overall Rating
3.6/5
How AmbitionBox ratings work?
5
2.1k
4
1.3k
3
891
2
383
1
786
Category Ratings
3.7
Job security
3.5
Skill development
3.4
Company culture
3.4
Salary
3.4
Work-life balance
3.3
Work satisfaction
3.2
Promotions
Muthoot Finance is rated 3.6 out of 5 stars on AmbitionBox, based on 5.4k company reviews.This rating reflects an average employee experience, indicating moderate satisfaction with the company’s work culture, benefits, and career growth opportunities. AmbitionBox gathers authentic employee reviews and ratings, making it a trusted platform for job seekers and employees in India.
Read more
Gender Based Ratings at Muthoot Finance
based on 5.1k reviews
3.7
Rated by 1k Women
Rated 3.9 for Job security and 3.7 for Company culture
3.6
Rated by 4.1k Men
Rated 3.6 for Job security and 3.5 for Skill development
Work Policy at Muthoot Finance
based on 704 reviews in last 6 months
Work from office
92%
Permanent work from home
5%
Hybrid
3%
Muthoot Finance Reviews
Top mentions in Muthoot Finance Reviews
+ 5 more
Compare Muthoot Finance with Similar Companies
 |  Change Company |  Change Company |  Change Company | |
|---|---|---|---|---|
Overall Rating | 3.6/5 based on 5.4k reviews | 3.9/5 based on 22.2k reviews | 4.5/5 based on 7.5k reviews | 4.0/5 based on 7.7k reviews |
Highly Rated for |  No highly rated category | Skill development Job security Company culture | Skill development Work-life balance Job security | Job security Work-life balance Skill development |
Critically Rated for | Promotions Work satisfaction | Promotions |  No critically rated category | No critically rated category |
Primary Work Policy | Work from office 92% employees reported | Work from office 84% employees reported | Work from office 91% employees reported | Work from office 85% employees reported |
Rating by Women Employees | 3.7 Good rated by 1k women | 3.8 Good rated by 4.6k women | 4.5 Good rated by 2.5k women | 3.9 Good rated by 809 women |
Rating by Men Employees | 3.6 Good rated by 4.1k men | 3.9 Good rated by 16.3k men | 4.5 Good rated by 4.8k men | 4.1 Good rated by 6.5k men |
Job security | 3.7 Good | 3.8 Good | 4.4 Good | 4.0 Good |
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Muthoot Finance Salaries
Muthoot Finance salaries have received with an average score of 3.4 out of 5 by 5.4k employees.
Junior Relationship Executive
(1.8k salaries)
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₹1.2 L/yr - ₹4.5 L/yr
Branch Manager
(780 salaries)
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₹1.8 L/yr - ₹8 L/yr
Relationship Executive
(539 salaries)
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₹1.5 L/yr - ₹4.5 L/yr
Junior Executive
(382 salaries)
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₹1.2 L/yr - ₹4.5 L/yr
JRE
(351 salaries)
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₹1 L/yr - ₹4.5 L/yr
Probationary Officer
(319 salaries)
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₹1.8 L/yr - ₹3.8 L/yr
Customer Care Executive
(318 salaries)
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₹1 L/yr - ₹4.5 L/yr
Executive Accountant
(285 salaries)
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₹1.4 L/yr - ₹4.2 L/yr
Audit Executive
(223 salaries)
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₹1.7 L/yr - ₹6 L/yr
Senior Relationship Executive
(184 salaries)
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₹1.4 L/yr - ₹4.5 L/yr
Muthoot Finance Interview Questions
A Junior Relationship Executive was asked 2mo agoQ. How do you pitch a product to a customer?
An Assistant Branch Manager was asked 2mo agoQ. How will you promote Gold Loans? What tools will you use?
A Probationary Officer was asked 12mo agoQ. What are the major products of Muthoot Finance?
A Customer Care Executive was asked 1mo agoQ. How do you provide customer service?
A Customer Service Manager was asked Q. What are your day-to-day activities?
Muthoot Finance Jobs
Popular Designations Muthoot Finance Hires for
Popular Skills Muthoot Finance Hires for
Muthoot Finance News
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Muthoot Finance Unlikely To Go Overboard With Loan-To-Value Ratios: Managing Director George Alexander Muthoot
- Muthoot Finance Ltd. is unlikely to go overboard with loan-to-value ratios despite RBI raising it to 85% for loans up to Rs 2.5 lakh, according to Managing Director George Alexander Muthoot.
- Actual loan-to-value ratio is 58% for Muthoot Finance due to increasing gold prices.
- Muthoot Finance will implement new gold loan norms effective from April 1, 2026, as per George Alexander Muthoot.
- More than 80% of Muthoot Finance's loans are below Rs 2.5 lakh; expects only a 50-basis-point increase in loan growth in non-banking financial services.
Bloomberg Quint | 10 Jun, 2025
Movers & Shakers: Stocks that will see action this week
- CONCOR stock has been on a recovery path since hitting a 52-week low in March, with a potential target of ₹950. Buy at ₹780 and ₹740 with stop-loss at ₹690.
- Dalmia Bharat stock is expected to continue its uptrend with a target of ₹2,400. Traders can go long at ₹2,015 and accumulate at ₹1,970 with stop-loss at ₹1,850.
- Muthoot Finance has shown signs of beginning the next leg of rally after consolidating. Buy at ₹2,216 and on a dip to ₹2,130 with stop-loss at ₹2,000. Exit at ₹2,600.
HinduBusinessLine | 31 May, 2025
Jefferies Flags NBFC Growth Slowdown In Q4, But Sees Asset Quality On The Mend
- Non-banking financial companies reported a moderation in profit growth for Q4, with overall aggregate profit growth of 10% year-on-year.
- Jefferies expects profit growth to stabilize and borrower stress to ease in fiscal 2026, with potential NIM surprises for some NBFCs due to rate cuts.
- Strong profit growth was observed in Muthoot Finance, Aditya Birla Capital, LIC Housing Finance, Home First Finance Co., and Aptus Value Housing Finance.
- Most NBFCs anticipate NIMs to stabilize or improve in fiscal 2026, with improved asset quality and lower stress levels for many lenders.
Bloomberg Quint | 28 May, 2025
Muthoot Finance could raise $750 million via ECBs in FY26
- Muthoot Finance plans to raise $750 million via External Commercial Borrowings (ECBs) in the current fiscal year, following the successful raising of $1.4 billion in the previous fiscal year.
- The NBFC reported a consolidated net profit of ₹5,352 crore in FY25, with subsidiaries contributing 4% to the bottom line, down from 10% in the previous year due to challenges in the microfinance sector affecting Belstar Microfinance.
- Belstar Microfinance's net profit dropped from ₹340 crore in FY24 to ₹46 crore in FY25, impacted by regulatory changes and credit culture challenges in Southern India.
- Muthoot Finance aims for a conservative 15% growth in FY26, leveraging strong demand for gold loans amid tighter regulations on unsecured lending and challenges faced by microfinance borrowers.
HinduBusinessLine | 21 May, 2025
India Inc mops up $12 b more via ECBs in FY25
- India Inc raised an additional $12 billion through External Commercial Borrowings (ECBs) in FY25, with a significant increase noted in March 2025 to $11.043 billion.
- About 40% of the total ECBs raised in the financial year were by non-banking finance companies (NBFCs) such as Shriram Finance, Muthoot Finance, and Manappuram Finance.
- NBFCs are turning to ECBs to diversify funding sources as banks have become more conservative in lending. The attractive borrowing costs via ECBs, even with hedging, are prompting companies to opt for this route over domestic borrowing.
- Key companies like JSW Steel, Tata Semiconductor Manufacturing, and ONGC Videsh, along with several NBFCs including Muthoot Finance, Housing and Urban Development Corporation, and Hero Fincorp, raised significant amounts through ECBs in March 2025.
HinduBusinessLine | 15 May, 2025
Muthoot Finance Shares Hammered Despite Strong Q4 Results — Why The Gold Loan NBFC Is Under Pressure
- Muthoot Finance shares dropped by nearly 7% despite strong Q4 results with a surge in total income and net profit.
- The growth in assets under management is primarily due to the rise in gold prices, leading to a 43% growth in gold loans.
- Concerns over volatility in gold prices pose a risk to margins and growth, resulting in cautious outlook and subsequent stock downgrade.
- Regulatory challenges, increased competition, and asset quality issues in the microfinance institution portfolio are obstacles faced by Muthoot Finance.
Bloomberg Quint | 15 May, 2025
Muthoot Finance Q4 Review: Draft Norms Affecting LTV Remains A Key Concern, Says IDBI Capital, Maintains Hold
- IDBI Capital revised estimates downwards due to lower AUM growth and maintained 'Hold' rating with a new target price.
- Muthoot Finance saw a decline in net interest margins to 11.3% from 11.6% in Q4 FY25 due to increased cost of funds.
- Gold AUM growth of Muthoot Finance remains strong supported by high gold prices and reduced competition, maintaining growth guidance at 15%.
- IDBI Capital highlighted concerns about draft norms impacting loan-to-value ratio significantly and suggested it could have lingering effects.
Bloomberg Quint | 15 May, 2025
Muthoot Finance tumbles 5% despite strong Q4 results, draft LTV norms drive selling pressure
- Muthoot Finance stock tumbled 5% despite strong Q4 results due to draft LTV norms causing selling pressure.
- Draft guidelines may impact disbursement LTV for Muthoot Finance and other NBFCs, affecting the growth outlook for gold loans.
- Q4 performance driven by robust gold loan growth with standalone PAT up 43% to ₹1,508 crore; AUM growth reported, NIM slipped, and lower q-o-q credit cost.
- Brokerages like Motilal Oswal and Nuvama maintain their ratings; Jefferies assigns buy call at ₹2,660/share, while Bernstein and Morgan Stanley have respective target prices.
HinduBusinessLine | 15 May, 2025
Q4 Earnings Impact: Eicher Motors, Tata Power, Brigade Enterprises Fall; Tilaknagar Industries Up Nearly 14%
- Tilaknagar Industries Ltd. saw the largest increase in shares, while Baazar Style Ltd. experienced the most significant drop after the Q4 earnings impact.
- Eicher Motors reported a decrease of 1.59% in share price, with revenue up 23.1% and a net profit increase of 27.3% for Q4 FY25.
- Tata Power witnessed a share price increase of 1.78%, with revenue growing by 7.9% and a net profit rise of 16.5% in Q4 FY25.
- Brigade Enterprises faced a decline of 2.02% in share price, with a 14% decrease in revenue and a 19.8% increase in net profit for Q4 FY25.
- Tilaknagar Industries showed a significant share price rise of nearly 14%, alongside a 14.3% revenue increase and a notable 63% growth in net profit for Q4 FY25.
- Eclerx Services reported a substantial 11.80% increase in share price, with revenue up by 5.2% and a net profit rise of 11% for Q4 FY25.
- Hitachi Energy demonstrated improvements with a 11% revenue increase, a 30.8% surge in Ebitda, and a 61.8% growth in net profit for Q4 FY25.
- Shree Renuka Sugar reported a 7.29% rise in share price, a 21.66% decline in revenue, and a profitable net income compared to the previous year for Q4 FY25.
- Muthoot Finance showcased a share price decrease of 5.22%, with a significant 42.7% increase in net profit and a 36.01% surge in NII for Q4 FY25.
- LMW recorded a 2.69% decrease in share price, a 17.2% decline in revenue, and a 27.6% drop in net profit for Q4 FY25.
Bloomberg Quint | 15 May, 2025
Stock Market Today: All You Need To Know Going Into Trade On May 15
- The NSE Nifty 50 and Sensex closed with gains on Wednesday's trading session, with Nifty ending 0.36% higher at 24,666.90 and Sensex closing 0.22% up at 81,330.56.
- Foreign portfolio investors turned net buyers of Indian equities on Wednesday, purchasing equities worth Rs 931.8 crore, while domestic institutional investors bought equities worth Rs 316.3 crore.
- Key events to watch include the government releasing the trade deficit data for April.
- Earnings in focus include various companies like Abbott India, CESC, Page Industries, Muthoot Finance, and more reporting their financial results.
- Stocks in news involve companies like Wipro, Brigade Enterprises, Kirloskar Brothers, BASF India, Infosys, HUL, Yes Bank, and others announcing significant developments.
- In the currency market, the Indian rupee strengthened against the US dollar on Wednesday, closing at 85.28.
- Trading tweaks include Dynamic Cables shifting its price band, securities being excluded/included in the ASM framework, and companies going ex-record dividend.
- F&O cues reveal Nifty May Futures up by 0.36% to 24,728, with changes in open interest and put-call ratio.
- Bulk deals and block deals include transactions in shares of companies like Max Healthcare, Info Edge, Navin Fluorine International, and more.
- The article provides a comprehensive overview of the stock market activities, corporate earnings, trading updates, and currency movements for investors to stay informed.
Bloomberg Quint | 15 May, 2025
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Muthoot Finance Subsidiaries
Muthoot Homefin India
4.0
• 408 reviews
Belstar Microfinance
4.0
• 370 reviews
Asia Asset Finance PLC
1.1
• 3 reviews
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Muthoot Finance Offices
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Muthoot Finance FAQs
When was Muthoot Finance founded?
Muthoot Finance was founded in 1939. The company has been operating for 86 years primarily in the NBFC sector.
Where is the Muthoot Finance headquarters located?
Muthoot Finance is headquartered in Kochi/Cochin, Kerala.
How many employees does Muthoot Finance have in India?
Muthoot Finance currently has more than 28,000+ employees in India. Finance & Accounting department appears to have the highest employee count in Muthoot Finance based on the number of reviews submitted on AmbitionBox.
Does Muthoot Finance have good work-life balance?
Muthoot Finance has a work-life balance rating of 3.4 out of 5 based on 5,400+ employee reviews on AmbitionBox. 38% employees rated Muthoot Finance 3 or below, while 62% employees rated it 4 or above for work-life balance. This rating suggests that while some employees recognize efforts towards work-life balance, there is scope for improvement based on employee feedback. We encourage you to read Muthoot Finance work-life balance reviews for more details.
Is Muthoot Finance good for career growth?
Career growth at Muthoot Finance is rated as moderate, with a promotions and appraisal rating of 3.2. 38% employees rated Muthoot Finance 3 or below, while 62% employees rated it 4 or above on promotions / appraisal. This rating suggests that while some employees view growth opportunities favorably, there is scope for improvement based on employee feedback. We recommend reading Muthoot Finance promotions / appraisals reviews for more detailed insights.
What are the cons of working in Muthoot Finance?
Working at Muthoot Finance does have some drawbacks that potential employees should consider. The company is poorly rated for promotions / appraisal, work satisfaction and work life balance, based on 5,400+ employee reviews on AmbitionBox.
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