Laxmi India Finance Limited has informed the Exchange about Transcript
LAXMIINDIA · price
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Laxmi India Finance Limited held its Q4 FY 2026 earnings call with analysts and investors. The company reported strong growth with AUM at INR 1,626 crores (27% YoY growth), PAT of INR 49.7 crores (38% growth), and NIM expansion to 11.26%. Cost of borrowing improved to 10.8% from 11.48% in FY25. The company maintained healthy asset quality with Gross NPA at 2.13% and Net NPA at 1.09%. Post-IPO capital position strengthened with net worth at INR 465 crores and capital adequacy above 26%. The company upgraded its credit rating to Acuite A/Stable. Management provided medium-term guidance of 30-35% annual AUM growth and 40-45% PAT growth. The company operates 176 branches across 6 states with 82% of AUM concentrated in Rajasthan. The incremental borrowing cost stands at 10.25-10.30% with management targeting further 20-25 bps reduction.
The company demonstrated strong execution with margin improvement and asset quality control. The multi-year growth targets and cost of borrowing reduction guidance indicate improving profitability trajectory. The IPO and rating upgrade have strengthened the funding profile, positioning the company well for scaling.