Laxmi India Finance Limited — PPTs, 13-05-2026: Investor Presentation

**Laxmi India Finance: FY26 Highlights & Future Play**

**1. Business Performance:** Laxmi India Finance reported strong FY26 results. Assets Under Management (AUM) grew 27.35% YoY to ₹1,626.26 Cr. Net Interest Income (NII) surged 38.65% to ₹161.78 Cr., and Profit After Tax (PAT) increased 38.33% to ₹49.68 Cr. The company operates 176 branches across 6 states, offering a diversified portfolio. Asset quality remained robust with Gross NPA at 2.13% and Net NPA at 1.08%.

**2. Growth Drivers or Strategy:** Key strategies include expanding geographically into new markets and increasing the branch network to drive a ~30% AUM CAGR. A strong emphasis on technology aims to improve operational efficiency and customer experience. The company targets enhancing profitability with an ROA of 3.50-3.75% and ROE of 13.50-14.00%.

**3. Recent Developments:** The company successfully completed its IPO last August and expanded its footprint by entering Maharashtra. Its external credit rating was upgraded from "A-" to "A"/Stable.

**4. Key Financial Metrics (FY26 YoY):** AUM +27.35% (₹1,626.26 Cr.), PAT +38.33% (₹49.68 Cr.), NII +38.65% (₹161.78 Cr.), ROA 3.08%, NIM 11.26%, CRAR 26.12%.

**5. Management Commentary / Outlook:** Management is committed to strategic expansion, continuous technology investment, and operational excellence to achieve ambitious growth and profitability goals.