Laxmi India Finance Limited has released the complete transcript of its virtual knowledge session with investors, providing comprehensive insights into the company's Q3 FY25 performance and strategic direction. The session, held on February 17, 2026, was organized by Go India Advisors and focused on the quarter ended December 31, 2025.

Transcript Release and Regulatory Compliance

The company formally communicated the availability of the session transcript to both stock exchanges on February 23, 2026, maintaining its commitment to transparency and regulatory compliance under SEBI regulations. The transcript has been uploaded to the company's official website and made accessible to all stakeholders.

Q3 FY25 Financial Performance Highlights

During the interactive session, Managing Director Deepak Baid presented the company's financial performance for the nine-month period. The company demonstrated strong growth metrics across key parameters, reinforcing its position in the secured lending segment.

Business Strategy and Growth Outlook

The management outlined strategic priorities focusing on secured MSME lending, which constitutes 83-84% of the loan book. The company operates through 170+ branches across five states - Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh, and Uttar Pradesh, with plans to expand into Maharashtra.

The average ticket size of loans stands at ₹7-8 lakh, primarily secured against residential or commercial properties with a loan-to-value ratio of 42%. The company targets ROA improvement to 3.50-3.75% through operational leverage and cost optimization.

Documentation and Accessibility

The complete transcript is available on the company's website at the provided link, ensuring broader accessibility for stakeholders who could not attend the live session. This initiative demonstrates the company's commitment to maintaining transparent communication with its investor community and adhering to listing compliance obligations.

Laxmi India Finance Limited has delivered robust financial performance for Q3FY26, reporting significant growth across key metrics. The company filed its comprehensive investor presentation under reference number LIFL/SLC/2025-26/49 on February 17, 2026, showcasing strong operational and financial achievements.

Financial Performance Highlights

The company demonstrated exceptional growth momentum with net profit surging 63.59% year-on-year to ₹10.06 crores in Q3FY26. Interest income grew by 24.32% to ₹71.99 crores, while net interest income expanded by 38.10% to ₹37.95 crores compared to the same quarter last year.

Operational Growth and Market Expansion

The company's Assets Under Management (AUM) crossed ₹1,450 crores, supported by a robust branch network of 170+ touchpoints across five states. The customer base expanded significantly, serving 40,800+ customers through diversified product offerings including secured MSME loans, vehicle financing, and business loans.

Strategic Focus and Technology Integration

Laxmi India Finance operates with over 110 technology tools including tablet-based Loan Origination System and Synofin LMS/LOS, enabling reduced turnaround times and enhanced customer experience. The company targets a Return on Assets of 3.50% to 3.75% and Return on Equity of 13.50% to 14.00% through operating leverage optimization.

Asset Quality and Risk Management

During the quarter, the company faced some challenges with a distribution associate partner encountering financial stress, resulting in Gross NPA increasing to 2.40% and Net NPA to 1.24%. The company maintains conservative credit practices with collateral-backed lending and prudent provisioning aligned with RBI ECL framework.

Leadership and Governance

The company operates under experienced leadership with the management team averaging over 10 years of NBFC experience. Key positions include Managing Director Mr. Deepak Baid, Chief Financial Officer Mr. Gopal Krishan Sain, and Chief Treasury Officer Mr. Piyush Somani, supported by a strong governance framework.