Laxmi India Finance

Laxmi India Finance

146.36
-2.92
(-1.96%)
Market Cap
765.00 Cr
EPS
8.78
PE Ratio
19.52
Dividend Yield
0.00 %
Industry
-
52 Week High
180.90
52 Week Low
116.05
PB Ratio
1.81
Debt to Equity
4.14
Sector
-
Add Ratio
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Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%

Company News

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neutral
Laxmi India Finance released its earnings call transcript for the quarter ended June 30, 2025. The company reported a decline in net interest income due to a 10-15 basis points increase in NPAs, though management expects recovery in coming quarters. The company focuses on MSME customers with an average ticket size of INR 6.5 lakhs, with recent NPA increases across commercial vehicles and MSME loans. Credit costs are expected to remain between 1.13-1.17% in FY26. The company plans to open 30-35 new branches and enter one new state in FY26, targeting 35-40% AUM growth annually with a goal to reach INR 5,000-6,000 crores AUM in 3-5 years. Collection efficiency stood at 94.92% in Q1 FY26. IPO proceeds of INR 165 crores provide 4-5 months of liquidity. The company maintains focus on secured lending, particularly property-backed MSME loans which comprise 76% of the portfolio, with lending rates of 21-21.5% on the secured book.
positive
Laxmi India Finance Limited reported quarterly results showing Assets Under Management grew 46.78% to ₹1,346.05 crores compared to ₹917.52 crores in the previous year. Profit Before Tax increased 46.78% to ₹12.77 crores from ₹8.70 crores. Profit After Tax rose 45.77% to ₹9.65 crores from ₹6.62 crores. Net Interest Income grew 41.80% to ₹30.86 crores from ₹23.88 crores. The company's Net Worth increased 28.87% to ₹268.50 crores from ₹208.35 crores. Cost of Borrowing was 11.82% compared to 11.49% previously. The company maintains a Capital Adequacy Ratio of 20.28% with Tier I CRAR at 19.54%. Gross NPA stands at 1.28% and Net NPA at 0.67%. The company operates 159 branches across five states with an employee base of 1,520. External credit rating was upgraded to 'A-' with positive outlook by Acuite. The company has undrawn sanctions of ₹125 crores from various lenders.
positive
Laxmi India Finance Limited's Board approved unaudited financial results for the quarter ended June 30, 2025. The company reported a net profit of Rs. 977.50 lakhs compared to Rs. 662.69 lakhs in the same quarter last year. Total income increased to Rs. 7,008.07 lakhs from Rs. 5,125.49 lakhs year-on-year. Interest income rose to Rs. 6,709.78 lakhs from Rs. 4,794.33 lakhs. The company acquired retail business from another company for Rs. 5,169.35 lakhs during the quarter, resulting in a bargain purchase gain of Rs. 75.06 lakhs. The company completed its IPO of 16,092,195 equity shares and got listed on BSE and NSE on August 5, 2025. Key financial ratios include debt-equity ratio of 4.13, net profit margin of 13.77%, and CRAR of 20.28%. The company operates in the lending segment and is categorized under Middle Layer by RBI's scale-based regulation framework.
Forecast
Actual
Growth Rate
Revenue Growth
41.71 %
Net Income Growth
60.00 %
Cash Flow Change
-39.10 %
ROE
25.31 %
ROCE
-0.94 %
EBITDA Margin (Avg.)
0.92 %

Yearly Financial Results

Annual Financials
2021
2022
2023
2024
2025
TTM
Revenue
89
98
131
175
248
258
Expenses
21
28
45
60
84
88
EBITDA
68
70
86
115
164
170
Operating Profit %
77 %
71 %
65 %
65 %
66 %
65 %
Depreciation
1
1
1
2
2
2
Interest
50
50
63
83
115
119
Profit Before Tax
18
20
22
30
47
49
Tax
7
5
6
7
11
16
Net Profit
11
15
16
23
36
37
EPS in ₹
7.51
9.99
10.04
6.11
8.78
13.10

Balance Sheet

Balance Sheet
2021
2022
2023
2024
2025
Total Assets
512
558
779
985
1,413
Fixed Assets
5
6
10
11
13
Current Assets
89
87
193
144
243
Capital Work in Progress
0
0
0
0
0
Investments
1
20
8
15
29
Other Assets
505
532
761
959
1,370
Total Liabilities
512
558
779
985
1,413
Current Liabilities
21
22
9
19
16
Non Current Liabilities
391
410
617
764
1,138
Total Equity
100
127
153
202
258
Reserve & Surplus
85
111
134
182
237
Share Capital
14
16
18
20
21

Cash Flow

Cash Flow
2021
2022
2023
2024
2025
Net Cash Flow
27
-5
48
-53
60
Investing Activities
-1
-20
5
-7
-18
Operating Activities
-5
-19
-169
-224
-311
Financing Activities
33
33
213
178
390

Share Holding

% Holding
Dec 2024
Jun 2025
Jul 2025
Aug 2025
Promoter
89.05 %
60.45 %
89.05 %
60.45 %
FIIs
0.00 %
8.72 %
0.00 %
8.72 %
DIIs
0.00 %
6.74 %
0.00 %
6.74 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
0.00 %
22.31 %
0.00 %
22.31 %
Others
10.95 %
1.78 %
10.95 %
1.78 %
No of Share Holders
83
60,724
85
60,724

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
10 Dec 2024 CHANGE OF NAME Change Of Name
NA
10 Dec 2024 0.00 0.00
13 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Aug 2025 148.05 149.24

Announcements

Closure of Trading Window4 days ago
Intimation Under Regulation 30 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 20157 days ago
Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - Clarification On Price Movement Of Share.Sep 09, 2025
Clarification sought from Laxmi India Finance LtdSep 08, 2025
Announcement Under Regulation 30 Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 30, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 19, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 15, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 14, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 14, 2025
Intimation Pursuant To Regulation 8(1) And 8(2) Of The SEBI (PIT) Regulations 2015Aug 13, 2025
Disclosure Under Regulation 30(5) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 13, 2025
Unaudited Financial Results For The Quarter Ended On June 302025Aug 13, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On Wednesday August 132025Aug 13, 2025
Board Meeting Outcome for Outcome Of Board Meeting Held On Wednesday August 132025Aug 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Board Meeting Intimation for Intimation Under Regulation 29(1) Read With Regulation 50(1) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 08, 2025
Closure of Trading WindowAug 05, 2025
Listing of Equity Shares of Laxmi India Finance LtdAug 05, 2025

Technical Indicators

RSI(14)
Neutral
44.08
ATR(14)
Less Volatile
8.65
STOCH(9,6)
Oversold
4.99
STOCH RSI(14)
Oversold
0.82
MACD(12,26)
Bearish
-1.99
ADX(14)
Weak Trend
17.32
UO(9)
Bearish
34.91
ROC(12)
Downtrend And Accelerating
-10.91
WillR(14)
Oversold
-96.91