Laxmi India Finance Ltd
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]
- Market Cap ₹ 413 Cr.
- Current Price ₹ 79.0
- High / Low ₹ 181 / 77.5
- Stock P/E 9.44
- Book Value ₹ 83.3
- Dividend Yield 0.00 %
- ROCE 13.7 %
- ROE 15.7 %
- Face Value ₹ 5.00
Pros
- Stock is trading at 0.98 times its book value
- Company's working capital requirements have reduced from 34.0 days to 18.4 days
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.6% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Finance Non Banking Financial Company (NBFC)
Part of BSE IPO
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|
| 89 | 98 | 130 | 173 | 246 | 298 | |
| Interest | 50 | 50 | 63 | 83 | 115 | 133 |
| 21 | 28 | 45 | 60 | 84 | 108 | |
| Financing Profit | 19 | 20 | 22 | 29 | 47 | 58 |
| Financing Margin % | 21% | 20% | 17% | 17% | 19% | 19% |
| 0 | 1 | 1 | 2 | 2 | 3 | |
| Depreciation | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 18 | 20 | 22 | 30 | 47 | 58 |
| Tax % | 41% | 25% | 27% | 24% | 24% | |
| 10 | 15 | 16 | 22 | 36 | 44 | |
| EPS in Rs | 8.61 | 9.54 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 36% |
| TTM: | 42% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 35% |
| TTM: | 61% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 14% |
| Last Year: | 16% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 14 | 16 | 18 | 20 | 21 | 26 |
| Reserves | 85 | 111 | 134 | 182 | 237 | 409 |
| Borrowing | 391 | 411 | 615 | 767 | 1,137 | 1,116 |
| 21 | 20 | 11 | 16 | 18 | 16 | |
| Total Liabilities | 512 | 558 | 779 | 985 | 1,413 | 1,567 |
| 5 | 6 | 10 | 11 | 13 | 16 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 20 | 8 | 15 | 29 | 23 |
| 505 | 532 | 761 | 959 | 1,370 | 1,528 | |
| Total Assets | 512 | 558 | 779 | 985 | 1,413 | 1,567 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -5 | -19 | -169 | -224 | -311 | |
| -1 | -20 | 5 | -7 | -18 | |
| 33 | 33 | 213 | 178 | 390 | |
| Net Cash Flow | 27 | -5 | 48 | -53 | 60 |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| ROE % | 11% | 13% | 11% | 13% | 16% |
Insights
In beta| Mar 2011 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) ₹ Million |
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| Number of Branches Count |
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| Active Customer Base Count |
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| AUM per Branch ₹ Million |
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| AUM per Employee ₹ Million |
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| Collection Efficiency % |
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| Gross NPA Ratio % |
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| Total Disbursements ₹ Million |
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Documents
Announcements
-
Closure of Trading Window
1d - Trading window closed Apr 1, 2026 until 48 hours after audited results disclosure for FY ended Mar 31, 2026.
-
Announcement under Regulation 30 (LODR)-Credit Rating
20 Mar - Acuité upgraded bank loans to A/Stable (Rs1,576.86cr) and upgraded/assigned NCDs Rs40cr,25cr,15cr; proposed NCDs Rs100cr.
-
Announcement under Regulation 30 (LODR)-Credit Rating
10 Mar - Acuite assigned/reaffirmed ACUITE A- (Positive) for bank loans Rs1,576.86Cr; NCDs reaffirmed (e.g., Rs40Cr). March 9, 2026.
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Board Meeting Outcome for Outcome Of Business Operation Committee Meeting Of Board Of The Company With Respect To Allotment Of 50,000 Listed, Rated, Senior, Secured, Transferable, Redeemable, Non-Convertible Debentures
24 Feb - Allotment of 50,000 NCDs aggregating Rs50 crore on Feb 24, 2026; 36-month, 10.50% p.a., listed BSE.
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Announcement under Regulation 30 (LODR)-Allotment
24 Feb - Allotment of 50,000 NCDs (Rs50 crore) on Feb 24, 2026; 10.50% p.a., 36-month maturity.
Concalls
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Feb 2026Transcript PPT
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Feb 2026TranscriptAI SummaryPPT
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Nov 2025Transcript PPT REC
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Aug 2025Transcript PPT
Business Overview:[1]
LIFL is a non-deposit taking non-banking
financial company which specializes in
providing a range of financial products,
and services to individuals, businesses,
and institutions.