ALFA Finder| Management target | Revenue 28.0% FY27 |
|---|
| Revenue growth | AUM grew 27% YoY to ₹1,721 Cr; disbursements up 38%. |
|---|---|
| Margins | NIM at 11.36%; cost of borrowing improved to 10.48%. |
| Order book | AUM reached ₹1,721 Cr in Q1 FY27. |
| Demand visibility | Strong MSME credit demand; expansion in UP and Maharashtra maturing. |
| Management confidence | High; citing promoter involvement and robust digital underwriting processes. |
Growth
AUM grew 27% YoY to ₹1,721 Cr. PAT rose 70% YoY to ₹16.43 Cr with disbursements up 38% at ₹230 Cr.
Outlook
Targets 28-30% AUM CAGR growth. Plans to open 30-35 new branches in FY27; aiming for 4% ROTA.
Risks
Upmoney issue caused ₹18-19 Cr book exposure with 70% provision; gross NPA at 2.08% (0.83% excluding Upmoney).
Last quarter's promises, checked
Delivered
- Guided 30-35% AUM growth → delivered 27% (YoY) / 1,721 Cr (= PARTIAL)
- Guided 40-45% PAT growth → delivered 70% YoY (= BEAT)
- Guided NIM expansion/stability → delivered 11.36% vs 11.26% (= BEAT)
Partly delivered
- Guided geographic expansion in UP/Maharashtra → delivered maturing branches but AUM still 80%+ Rajasthan (= PARTIAL)
Missed
- Guided cost of borrowing reduction to 10.25-10.30% → delivered 10.48% (= MISS)
Investor Presentation filed with BSE, NSE: LAXMIINDIA. Summary written with AI assistance from the document.
Laxmi India Finance Ltd: key numbers
- Share price
- ₹106.13
- Market cap
- ₹556.0 Cr
- Revenue (annual)
- ₹317.0 Cr
- Net profit (annual)
- ₹49.76 Cr
- P/E (TTM)
- 9.8×Sector 20.8×
- Promoter holding
- 60.17%+0.00% QoQ
- FII holding
- 1.60%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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