Muthoot Finance expects gold price surge to be a key growth driver for FY26, increasing loan disbursements and customer participation.Despite the rise in valuation of pledged gold, Muthoot's loan-to-value ratio remains below the regulatory cap set by Reserve Bank of India.Muthoot Finance is confident in its market position, emphasizing that its 5,000+ branches and longstanding reputation give a competitive edge.Muthoot Finance is well-capitalised for future growth, with a capital adequacy ratio of nearly 30% and a low leverage ratio of three times.