Laxmi India Finance Limited — Investor Meet, 19-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Laxmi India Finance's Q4 & FY26 call noted a transformative year. AUM grew 27% to INR1,626 Cr; PAT rose 38% to INR49.7 Cr. ROA was 3.08%, RONW 13.7%. Cost of borrowing reduced to 10.8%, NIM expanded to 11.26%. Management targets 30-35% AUM growth and 40-45% PAT growth annually, driven by expansion into Maharashtra and UP. Asset quality is stable, with Gross NPA at 2.13% and Net NPA at 1.09%, backed by strong collateral and robust underwriting for underserved MSME clients. Funding access improved post-IPO and rating upgrade, with further borrowing cost reduction expected. The company maintains a confident outlook on sustainable, profitable growth.