Laxmi India Finance (LAXMIINDIA) — concall transcript

📢 Key Event
Laxmi India Finance reported strong Q1 FY27 growth with 39% YoY NII growth and 72% YoY PAT growth, driven by MSME lending and branch expansion.

🔄 What Changed
NIM expanded to 11.36%, gross NPA at 2.08%, AUM grew 28% to INR1721.7 crores, and capital raise of INR300-350 crores announced.

🔮 What's Next
Target 30-35% annual AUM growth and 40-45% PAT growth for FY27, with capital raise of INR300-350 crores to support expansion.

💡 Investor Takeaway
The company is executing disciplined growth in MSME lending with improving margins and capital efficiency, targeting sustainable expansion and higher profitability.

Laxmi India Finance reported a 39% YoY rise in net interest income and 72% YoY growth in profit before tax for Q1 FY27, with NIM at 11.36% and gross NPA at 2.08%. AUM grew 28% to INR1721.7 crores, driven by MSME lending across 194 branches in six states. Management highlighted disciplined expansion, targeting 30-35% annual AUM growth and 40-45% PAT growth for FY27, supported by a planned INR300-350 crore capital raise and cost of borrowing declining to 10.66% with headroom for further reduction.

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About Laxmi India Finance Ltd (LAXMIINDIA)

Financial Services · Finance · Listed on BSE

Market Cap: ₹686.35 Cr P/E: 11.9 ROE: 21.9% ROCE: 15.6%

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🔥 Also filed on 30 June 2026

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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