Laxmi India Finance Limited has informed the Exchange about Investor Presentation
LAXMIINDIA · price
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Laxmi India Finance Limited reported strong FY26 results with AUM growing 27% to ₹1,626.26 crore and PAT rising 38% to ₹49.68 crore. Net Interest Income increased 39% to ₹161.78 crore, while net worth surged 80% to ₹465.47 crore following the August 2025 IPO. The company expanded its branch network to 176 branches across 6 states and serves 42,809 customers. Asset quality showed some deterioration with Gross NPA at 2.13% and Net NPA at 1.08%, though within acceptable levels. The credit rating was upgraded from A- to A/Stable Positive. Cost of borrowing improved to 10.80%, and spreads expanded to 10.50%. Management targets ROA of 3.50-3.75% and ROE of 13.50-14.00% through operating leverage, geographic expansion targeting ~30% AUM CAGR, and technology investments.
The company demonstrates solid growth execution with improving profitability metrics and stronger capital base post-IPO. The credit rating upgrade and expanding margins signal improving creditworthiness, though rising NPAs warrant monitoring. The company's medium-term targets indicate management confidence in sustained growth.