MUTHOOTFIN.NS Stock Today: December 31 — Gold Pullback Tests Rally
Muthoot Finance share price stayed firm on December 31 even as a sharp intraday dip in gold tested the recent rally. The latest quote shows ₹3,799.10 with the day’s range at ₹3,690.10 to ₹3,819.00. First mention of ticker: MUTHOOTFIN.NS. Investors in India are weighing gold price impact on this gold loan NBFC against strong profit, NII, and AUM growth. We break down near-term levels, fundamentals, and catalysts as the stock trades close to its 52-week high of ₹3,890.00.
Price Today: Levels, Trend, and Volatility
Muthoot Finance traded around ₹3,799.10, up ₹2.10 or 0.06%, with a wide range between ₹3,690.10 and ₹3,819.00. Turnover was active, with 1,688,539 shares versus a 533,675 average, showing strong participation around year end. The 52-week range stands at ₹1,965.00 to ₹3,890.00. For context, Muthoot Finance share price is up 51.52% year to date and 84.70% over one year, reflecting robust sentiment.
Momentum remains supportive. RSI at 59.71 tilts bullish without being overbought. ADX at 35.20 signals a strong trend, though the MACD histogram is negative, hinting at near-term consolidation. Bollinger Bands sit at ₹3,704.15 and ₹3,859.59, bracketing price near the top quartile. The MFI at 61.85 shows healthy inflows, consistent with recent breakouts in gold financiers.
Immediate resistance sits near the upper Bollinger Band at ₹3,859.59 and the 52-week high at ₹3,890.00. A clean close above these may extend the uptrend. Support appears at the lower band near ₹3,704.15 and the session low of ₹3,690.10. Medium-term moving averages remain bullish, with the 50-DMA at ₹3,549.59 and the 200-DMA at ₹2,806.49.
Gold Price Impact and Core Fundamentals
Gold loan books face quick mark-to-collateral shifts when bullion falls. With the RBI’s 75% LTV cap, lower gold prices can slow disbursements, tighten top-up eligibility, and nudge auctions higher, yet asset quality usually normalizes when prices stabilize. For Muthoot Finance share price, shorter loan tenors, frequent revaluations, and prudent underwriting help cushion volatility while preserving spreads.
A sudden dip in bullion saw gold-financier stocks slip up to 2% intraday, highlighting sentiment sensitivity to metal prices. This wobble did not break trend structure but trimmed near-term momentum for leaders. Coverage today: Moneycontrol. For Muthoot Finance share price, sustained bullion stability remains the key near-term driver.
Operating metrics remain strong. EPS stands at ₹182.64; ROE at 24.24%; and net margin at 29.58%. Valuation at 20.46x PE and 4.65x PB reflects quality and growth. CNBC-TV18 notes 2025 as among the best years since listing, supported by gold strength and steady AUM growth guidance source. These factors help anchor the Muthoot Finance share price despite commodity swings.
Outlook, Catalysts, and Strategy into 2026
Watch global bullion moves, RBI policy signals, and auction recoveries. Branch productivity and cross-sell can add steady fee income. The next scheduled earnings announcement is on 11 February 2026, where commentary on AUM growth and NIM trajectory will be key. For the Muthoot Finance share price, management tone on growth and credit costs may matter more than absolute gold price levels.
At 20.46x trailing PE and 4.65x PB, the stock trades at a premium to reflect return metrics and scale. The stock grade is B with a HOLD suggestion. Price remains above its 50-DMA of ₹3,549.59 and 200-DMA of ₹2,806.49, indicating a positive bias. A decisive close above ₹3,859–₹3,890 could open incremental upside, while ₹3,690–₹3,704 offers first support.
Short-term traders can consider buying on dips toward ₹3,700 with tight risk near ₹3,650, aiming for ₹3,860 and ₹3,890. Medium-term investors may stagger entries closer to the 50-DMA on weakness. Maintain discipline if bullion volatility persists. For portfolio context in India, position sizing should reflect NBFC cyclicality and gold sensitivity affecting the Muthoot Finance share price.
Final Thoughts
Muthoot Finance share price is holding gains into year end despite an intraday gold pullback. Trend strength, rising volumes, and proximity to the 52-week high keep bulls interested, while a soft MACD histogram argues for patience on entries. Fundamentally, strong profitability metrics, steady AUM growth guidance, and franchise scale help offset commodity-linked swings common to gold loan NBFCs. Into early 2026, we will track bullion direction, RBI policy cues, auction dynamics, and management’s NIM commentary. Tactically, consider buying near support zones and avoid chasing breakouts without confirmation above ₹3,859–₹3,890. Risk controls matter given leverage and sensitivity to gold. Stay data-driven and review positions around earnings updates.
FAQs
A sharp intraday drop in gold cooled sentiment across gold-financier stocks, leading to a brief wobble. Despite that, trend indicators for Muthoot stayed supportive, with RSI near 60 and ADX above 35. Price held above its 50-DMA, showing buyers defended dips while awaiting clearer cues from bullion and macro news.
Gold price swings change collateral values, which can influence disbursement pace, top-up eligibility, and recoveries. With the RBI’s 75% LTV cap and short-tenor loans, risk stays managed. Stable or rising gold typically supports growth and sentiment, while sharp declines may slow AUM growth and pressure the share in the short term.
Immediate resistance is ₹3,859–₹3,890. A close above this band can extend the uptrend. Supports are near ₹3,704 and ₹3,690, then the 50-DMA at ₹3,549.59. Failure to hold ₹3,690 could invite tests of the 50-DMA. Volume behavior around these levels will likely guide short-term direction.
At 20.46x trailing PE and 4.65x PB, valuation is premium, justified by ROE of 24.24% and net margin of 29.58%. It trades well above the 200-DMA, reflecting strong performance. For fresh entry, many investors prefer dips toward support or a confirmed breakout above ₹3,859–₹3,890 with volume.
Disclaimer:
The content shared by Meyka AI PTY LTD is solely for research and informational purposes. Meyka is not a financial advisory service, and the information provided should not be considered investment or trading advice.
