ALFA Finder| Revenue growth | H1 revenue ₹192.41 Cr vs ₹146.30 Cr (+31.5%) |
|---|---|
| Margins | NIM 11.28% vs 10.88%; cost of borrowing 10.59% vs 11.10% |
| Demand visibility | H1 disbursement ₹506 Cr vs ₹311 Cr (+62.7%) |
Growth
H1 NII ₹96.83 Cr (+35.0% YoY). Q2 PAT ₹15.28 Cr (+62.4% YoY, −7.0% QoQ).
Outlook
Targets ROA 3.50–3.75%, ROE 13.50–14.00%, ~30% AUM CAGR; branch expansion and ECB diversification.
Risks
GNPA 1.75% vs 1.59%; credit cost 0.96% vs 0.72%; D/E 3.31x vs 2.57x; Q2 ECL provisions +61% YoY.
Last quarter's promises, checked
Delivered
- AUM ~28% (~30% CAGR) → +33% YoY (= BEAT)
- Credit cost ~1% → 0.96% (= BEAT)
Partly delivered
- +30–35 branches FY27 → 209 vs 196 base (+13) (= PARTIAL)
- Yield ~22% → 21.59% vs 22.18% YoY (= PARTIAL)
- GNPA ex-Upmoney <1% → 1.75% headline vs 2.08% Q1 (= PARTIAL)
Missed
- Cost of borrowing −22–25bp → 10.59% vs 10.48% cited (= MISS)
- ROTA ~4% target → ROA guided 3.50–3.75% (= MISS)
- Upmoney ~70% provided → ₹5.88 Cr booked vs ₹17.64 Cr provision (= MISS)
Investor Presentation filed with BSE, 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 Earnings Call Transcript: Key Takeaways
H1 PAT ₹31.7 Cr (+66%) is headline; management leans on ex-DA-default PAT ₹36.34 Cr (+91%). Q2 PAT fell QoQ; FY27 guidance held despite rising credit cost.
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