Financial Results Q1 FY 2021
SAFETY OF OUR GOLD LOAN PORTFOLIO
Lender's Perspective & Borrower's Perspective
ā
Muthoot Finance
Jun-20
Mar-20 Jun-19 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15
Gold Loan assets (in Billions)
405
407
352
336
288
272
243
233
Quantity of Gold content in Ornaments held as
165
176
176
169
155
149
142
131
Security (Tonnes)
Gold Price/gm (*)
4,448
3,955
3,126
2,910
2,824 2,725
2,670
2,470
Lender's Perspective
Market Price of Gold Content in Ornaments (in
Billions)
734
696
550
492
438
406
379
324
Margin of safety on loans
45%
42%
36%
32%
34%
33%
36%
28%
Borrower's Perspective
Market Value of Gold Ornaments ( in Billions) with
20% additional value towards making charges etc
881
835
660
590
526
487
455
389
Equity of Borrower in the Gold Ornaments net of
loans availed
54%
51%
47%
43%
45%
44%
47% 40%
* Above calculations are made on overall portfolio and excludes interest accrued on loans
28View entire presentation