{"id":200020,"date":"2026-08-12T16:16:40","date_gmt":"2026-08-12T10:46:40","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=200020"},"modified":"2026-08-12T16:16:42","modified_gmt":"2026-08-12T10:46:42","slug":"muthoot-microfin-vs-asirvad-micro-finance-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/","title":{"rendered":"Muthoot Microfin vs Asirvad Micro Finance: Share Price, PE, ROE Compared"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Muthoot Microfin MCap Rs 3,718 Cr, PE 15.15x, ROE 5.97%. Asirvad Micro Finance MCap approx Rs 1,500-2,000 Cr (data approximate, Manappuram subsidiary).<\/em><\/p>\n<p>Muthoot Microfin vs Asirvad Micro Finance is a comparison microfinance investors look up when evaluating two listed Indian MFI (microfinance institution) companies. Muthoot Microfin, a Kochi-based company (Muthoot Pappachan Group, listed 2024), is one of India&#8217;s larger microfinance NBFCs providing JLG loans to women borrowers across South, East and Central India. Asirvad Micro Finance, a Chennai-based company (Manappuram Finance subsidiary, listed 2024), is another MFI providing small group loans to low-income women primarily in South and East India. Both Muthoot Microfin versus Asirvad are recently listed MFI companies in a challenging sector environment.<\/p>\n<p>This Muthoot Microfin vs Asirvad Micro Finance article covers reach and market position, key products, latest declared results and stock valuation. All data is sourced from Groww and public company filings.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Reach_and_Market_Position\" title=\"Reach and Market Position\">Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Key_Products_and_Business_Mix\" title=\"Key Products and Business Mix\">Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Latest_Results_and_Financial_Data\" title=\"Latest Results and Financial Data\">Latest Results and Financial Data<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Stock_Performance_and_Valuation\" title=\"Stock Performance and Valuation\">Stock Performance and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Muthoot_Microfin_vs_Asirvad_Micro_Finance_Quick_Comparison_Table\" title=\"Muthoot Microfin vs Asirvad Micro Finance: Quick Comparison Table\">Muthoot Microfin vs Asirvad Micro Finance: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#What_is_Muthoot_Microfin\" title=\"What is Muthoot Microfin?\">What is Muthoot Microfin?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#What_is_Asirvad_Micro_Finance\" title=\"What is Asirvad Micro Finance?\">What is Asirvad Micro Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#When_did_these_companies_list\" title=\"When did these companies list?\">When did these companies list?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Is_Muthoot_Microfin_part_of_Muthoot_Finance\" title=\"Is Muthoot Microfin part of Muthoot Finance?\">Is Muthoot Microfin part of Muthoot Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Which_is_larger_Muthoot_Microfin_or_Asirvad\" title=\"Which is larger, Muthoot Microfin or Asirvad?\">Which is larger, Muthoot Microfin or Asirvad?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Are_these_companies_in_Nifty_50\" title=\"Are these companies in Nifty 50?\">Are these companies in Nifty 50?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/muthoot-microfin-vs-asirvad-micro-finance-comparison\/#Who_backs_Asirvad_Micro_Finance\" title=\"Who backs Asirvad Micro Finance?\">Who backs Asirvad Micro Finance?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reach_and_Market_Position\"><\/span><strong>Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In this Muthoot Microfin vs Asirvad Micro Finance comparison, Muthoot Microfin serves women borrowers across Tamil Nadu, Kerala, Karnataka, Odisha and other states through JLG microfinance products. Market capitalisation is Rs 3,718 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=muthootmfi-vs-asirvad\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>Asirvad Micro Finance serves women borrowers in Tamil Nadu, West Bengal, Odisha, Kerala and other states through JLG microfinance, as a subsidiary of Manappuram Finance. Market capitalisation is approximately Rs 1,500-2,000 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Products_and_Business_Mix\"><\/span><strong>Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For the Muthoot Microfin vs Asirvad Micro Finance product breakdown, Muthoot Microfin: Muthoot Microfin earns from JLG loan interest. EPS is Rs 14.40. PE is 15.15x, ROE 5.97 percent, D\/E 3.40. Thin ROE reflects MFI sector stress.<\/p>\n<p>Asirvad Micro Finance: Asirvad earns from JLG loan interest. Data is approximate &#8211; verify current financials from exchange filings. The MFI sector is under significant stress industry-wide.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Results_and_Financial_Data\"><\/span><strong>Latest Results and Financial Data<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Muthoot Microfin vs Asirvad Micro Finance results front: Muthoot Microfin has a market cap of Rs 3,718 Cr and PE of 15.15x. ROE is 5.97 percent &#8211; thin from MFI sector stress. Muthoot Microfin is 1.9-2.5 times larger than Asirvad.<\/p>\n<p>Asirvad Micro Finance has a market cap of approximately Rs 1,500-2,000 Cr. As a Manappuram Finance subsidiary, Asirvad benefits from parent group support.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Muthoot Microfin and Asirvad Micro Finance Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stock_Performance_and_Valuation\"><\/span><strong>Stock Performance and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investors tracking the Muthoot Microfin vs Asirvad Micro Finance comparison should verify current prices on NSE or BSE before trading. The Muthoot Microfin vs Asirvad Micro Finance stock data below reflects the latest available figures from Groww and public company filings.<\/p>\n<p>Muthoot Microfin versus Asirvad Micro Finance: both in the same MFI sector. Muthoot Microfin (PE 15.15x, ROE 5.97%) vs Asirvad (approx Rs 1,500-2,000 Cr). Both operate JLG microfinance with South India focus under sector-wide stress.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Muthoot_Microfin_vs_Asirvad_Micro_Finance_Quick_Comparison_Table\"><\/span><strong>Muthoot Microfin vs Asirvad Micro Finance: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The comparison table below summarises the key metrics side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/muthoot-microfin-ltd-share-price-today\">Muthoot Microfin<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/asirvad-micro-finance-ltd-share-price-today\">Asirvad Micro Finance<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">JLG microfinance: South + East India (Muthoot Pappachan Group, Kochi, listed 2024)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">JLG microfinance: South + East India (Manappuram Finance subsidiary, listed 2024)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 3,718 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx Rs 1,500-2,000 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">15.15x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (verify from filings)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">5.97% (MFI stress)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Approx (sector stress)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Parent Group<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Muthoot Pappachan Group (gold loans)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Manappuram Finance (gold loans NBFC)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Geography<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">South + East + Central India<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">South + East India focus<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Listed<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2024<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2024<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Muthoot Microfin vs Asirvad Micro Finance comparison above covers reach, products, results and valuation. Muthoot Microfin versus Asirvad Micro Finance covers two recently listed South India-focused MFI companies under sector-wide stress. Both face borrower over-indebtedness challenges. Muthoot Microfin&#8217;s Muthoot Pappachan backing and Asirvad&#8217;s Manappuram support provide some comfort. The Muthoot Microfin and Asirvad comparison shows similar businesses at different scales. Investors must verify current NPA and collection data from exchange filings. Consult a SEBI-registered advisor before investing in stressed sectors.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Muthoot Microfin and Asirvad Micro Finance live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Muthoot_Microfin\"><\/span><strong>What is Muthoot Microfin?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Muthoot Microfin is the microfinance lending subsidiary of the Muthoot Pappachan Group (distinct from Muthoot Finance). It provides JLG microfinance loans to women borrowers across South and East India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Asirvad_Micro_Finance\"><\/span><strong>What is Asirvad Micro Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Asirvad Micro Finance is a microfinance NBFC that is a subsidiary of Manappuram Finance &#8211; one of India&#8217;s largest gold loan companies. Asirvad provides JLG loans to women borrowers primarily in South and East India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_did_these_companies_list\"><\/span><strong>When did these companies list?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both Muthoot Microfin and Asirvad Micro Finance are recently listed (2024 IPOs) &#8211; relatively new entrants to the listed MFI space.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Muthoot_Microfin_part_of_Muthoot_Finance\"><\/span><strong>Is Muthoot Microfin part of Muthoot Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. Muthoot Microfin belongs to the Muthoot Pappachan Group. Muthoot Finance (the gold loan company) is a separate entity from the M.G. George Muthoot family. These are two different Muthoot entities.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_Muthoot_Microfin_or_Asirvad\"><\/span><strong>Which is larger, Muthoot Microfin or Asirvad?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Muthoot Microfin at Rs 3,718 Cr is approximately 1.9-2.5 times larger than Asirvad at approximately Rs 1,500-2,000 Cr.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_these_companies_in_Nifty_50\"><\/span><strong>Are these companies in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_backs_Asirvad_Micro_Finance\"><\/span><strong>Who backs Asirvad Micro Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Asirvad Micro Finance is a subsidiary of Manappuram Finance Limited &#8211; India&#8217;s second-largest gold loan NBFC.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Muthoot Microfin vs Asirvad Micro Finance compared on microfinance, JLG loans, ROE and valuation. 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