ALFA Finder| Management target | Net Profit FY27 |
|---|
| Revenue growth | NII +35%; H1 PAT +66% reported, +91% adjusted ex-DA default. |
|---|---|
| Margins | NIM 11.28% vs 10.88%; borrowing cost down 51bps to 10.59%. |
| Demand visibility | Secured MSME ₹1,493 Cr (81% AUM); collections 98.68% vs 93% prior year. |
| Management confidence | Defensive on DA default and evergreening; confident on growth; hedged credit guidance. |
Growth
NII +35%; AUM +33% to ₹1,843 Cr; impairments +81% from ₹19 Cr DA default; Q2 PAT ~10% lower QoQ.
Outlook
FY27 guide: AUM >₹2,000 Cr (~25%), NII and PAT +35–40%; FY28 guidance deferred; ROA target 3.5–3.75%.
Risks
FY27 credit cost guided 1.0–1.25% vs H1 0.96%; Stage 3 ₹12→₹30 Cr; D/E 3.31x; equity dilution likely.
Last quarter's promises, checked
Delivered
- AUM ~28% growth → +33% to ₹1,843 Cr (= BEAT)
- Collections >92% → 98.68% (= BEAT)
Partly delivered
- 30–35 new branches in FY27 from 196 → 209 (+13) by quarter-end (= PARTIAL)
- Credit cost ~1% → H1 0.96%, but FY27 guided 1.0–1.25% (= PARTIAL)
Missed
- Borrowing cost to fall 22–25bps in FY27 from ~10.48% → 10.59% (= MISS)
- Upmoney ₹18–19 Cr, 70% provided, 'well covered' → ₹19 Cr DA default, impairments +81% (= MISS)
Earnings Call Transcript filed with NSE, NSE: LAXMIINDIA. Summary written with AI assistance from the document.
Laxmi India Finance Ltd: key numbers
- Share price
- ₹101.60
- Market cap
- ₹532.3 Cr
- Revenue (annual)
- ₹317.0 Cr
- Net profit (annual)
- ₹49.76 Cr
- P/E (TTM)
- 8.5×Sector 21.0×
- 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.
More from Laxmi India Finance Ltd
All →Laxmi India Finance Investor Presentation: Key Takeaways
Q2/H1 FY27: H1 PAT ₹31.71 Cr (+66.35%), revenue ₹192.41 Cr (+31.5%), AUM ₹1,843.89 Cr (+33%). NIM 11.28%, CRAR 22.95%, GNPA 1.75%.
Laxmi India Finance Q2 FY27 Results: Net Profit ₹15.4 Cr, Up 63.8% YoY
Laxmi India Finance Ltd reported revenue from operations of ₹98.2 Cr (+29.7% YoY) and net profit of ₹15.4 Cr (+63.8% YoY) for Q2 FY27.
- Key figure
- Net profit ₹15.4 Cr · +63.8% YoY
Laxmi India Finance Board Meeting Date
Laxmi India Finance Limited will hold a board meeting on November 13, 2026, to approve unaudited financial results. The trading window remains closed until November 15, 2026.
Laxmi India Finance Debt & Borrowing: ₹0.89 Cr
Laxmi India Finance paid monthly interest of Rs.0.89 Crore on its Series A and B NCDs on 2 November 2026. No delay or non-payment was reported.
- Value
- ₹0.89 Cr
Laxmi India Finance Debt & Borrowing: ₹0.07 Cr
Laxmi India Finance Ltd paid monthly interest of Rs.0.07 Crore on its 3,000 secured NCDs on 28 October 2026. The payment was made on the due date, with no deviation reported.
- Value
- ₹0.07 Cr
Laxmi India Finance Debt & Borrowing: ₹0.36 Cr
Laxmi India Finance paid Rs. 0.36 Crore interest on its Rs. 50 Crore NCDs on 23 October 2026, before the due date. No delay was reported.
- Value
- ₹0.36 Cr