Laxmi India Finance Limited — Investor Meet, 23-02-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Laxmi India Finance's investor call detailed AUM reaching ₹1,451 Cr and PAT of ₹29 Cr for the nine-month period. Management aims for 3.5-3.75% ROA and 30-35% AUM CAGR, focusing on secured MSME lending. A one-off direct assignment default elevated current Gross NPA to 2.4% (Net NPA 1.4%); without this, ROA would be 3.31% and PAT ₹38.22 Cr. Cost of funds is reducing, with a rating upgrade expected to bring rates to single digits. The company maintains confidence in its operational efficiency, direct sourcing model, and recovery from the one-off event.