Laxmi India Finance Limited — PPTs, 14-08-2025: Investor Presentation

**Financial Highlights:** Laxmi India Finance's Q1 FY26 saw Assets Under Management (AUM) rise 29.99% to ₹1346.05 Cr. Profit Before Tax (PBT) jumped 46.78% to ₹12.77 Cr, and Profit After Tax (PAT) increased 45.77% to ₹9.65 Cr. Net Interest Income (NII) grew 41.80% to ₹33.86 Cr. Capital Adequacy Ratio (CRAR) stands at 20.28%, Net worth at ₹268.50 Cr. Gross NPA is 1.28%, Net NPA 0.67%, with a Provision Coverage Ratio (PCR) of 47.09%. Cost of borrowing improved to 11.82%.

**Strategic Initiatives & Growth Drivers:** Digital transformation is key, leveraging centralized Loan Management System/Loan Origination System (LMS/LOS) and the Laxmi Mitra app for efficient lead generation. The branch network expanded to 159 across 5 states. Funding cost optimization is a focus, diversifying towards Public Sector Banks and Private banks.

**Business Developments:** Strong lender relationships with over 50 partners, maintaining a zero-default record. The company holds ₹125 Cr in undrawn sanctions, supporting future growth initiatives.

**Market Position & Competitive Advantage:** Rated "A-/Outlook Positive," the firm benefits from a strong promoter base, digital operations, and a diversified portfolio across 9 products. Strategic focus on Tier-II/III cities serves over 35,500 customers.

**Investor Implications:** Robust financial performance, expanding operations, and continued digital investments indicate positive growth potential. Disciplined asset quality and a diversified business model enhance investor confidence.