Laxmi India Finance Limited — PPTs, 17-02-2026: Investor Presentation

Here's a concise, retail-friendly summary:

**1. Business Performance:**

Laxmi India Finance reported robust 9M FY26 results. AUM grew 21.11% to ₹1,451.10 Cr., with 170 branches serving over 40,800 customers. Gross NPA increased to 2.40% due to a DA partner's financial stress; otherwise, underlying asset quality remained strong.

**2. Growth Drivers or Strategy:**

Strategic focus areas include boosting profitability (targeting ROA 3.50-3.75%, ROE 13.50-14.00%), geographic expansion for ~30% AUM CAGR, diversifying funding, and leveraging technology for efficiency and enhanced customer experience.

**3. Recent Developments:**

The company completed its IPO in August 2025 and expanded into Chhattisgarh. Its external credit rating was upgraded to "A-/Outlook Positive."

**4. Key Financial Metrics:**

9M FY26 Net Interest Income (NII) jumped 43.51% to ₹109.67 Cr. Profit After Tax (PAT) increased 36.01% to ₹29.10 Cr.

**5. Management Commentary / Outlook:**

Management aims for higher returns through operational efficiency and scale. Plans include further branch expansion, funding diversification for balance sheet strength, and continuous tech integration for improved service.