Investor/Earnings Presentation for the Quarter and Financial year ended March 31, 2026.
LAXMIINDIA · price
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Laxmi India Finance Limited reported strong FY26 results with PAT of ₹49.68 Cr (up 38% YoY) and PBT of ₹66.05 Cr (up 39%). AUM grew 27% to ₹1,626 Cr, NII rose 39% to ₹161.78 Cr, and NIM expanded to 11.26%. The company completed its IPO in August 2025, and its credit rating was upgraded from A- to A/Stable Positive. Asset quality showed some pressure with GNPA at 2.13% (up from 1.07%) and NNPA at 1.08% (up from 0.48%), though provisions remain adequate (PCR Stage 3 at 49.43%). Capital position is robust with CRAR at 26.12% and Tier I at 25.61%. Net worth nearly doubled to ₹465.47 Cr, and the Debt/Equity ratio improved to 2.87. The company operates 176 branches across 6 states with a customer base of 42,809.
Strong earnings growth and AUM expansion signal solid operational execution, though rising NPAs warrant monitoring. The credit rating upgrade and IPO completion improve investor confidence, while the medium-term ROA/ROE targets provide a clear return trajectory.