Laxmi India Finance Ltd

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Laxmi India Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Laxmi India Finance Ltd

₹ 107 -3.75%
08 Oct - close price
lifc.co.in BSE: 544465 NSE: LAXMIINDIA
About

Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 559 Cr.
  • Current Price ₹ 107
  • High / Low ₹ 160 / 70.9
  • Stock P/E 9.88
  • Book Value ₹ 89.0
  • Dividend Yield 0.00 %
  • ROCE 12.7 %
  • ROE 13.8 %
  • Face Value ₹ 5.00
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Pros

  • Stock is trading at 1.20 times its book value
  • Company has delivered good profit growth of 36.5% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.

* 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 Nifty IPO BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
51 59 61 74 70 76 79 93 94
Interest 24 28 30 32 33 34 34 36 38
18 20 23 24 24 29 32 29 33
Financing Profit 9 11 8 19 13 13 13 27 22
Financing Margin % 17% 19% 13% 25% 18% 17% 17% 29% 24%
0 1 1 1 0 1 1 1 0
Depreciation 0 0 1 1 0 1 1 1 1
Profit before tax 9 12 8 19 13 13 13 27 22
Tax % 24% 26% 23% 23% 23% 26% 25% 24% 24%
7 9 6 15 10 9 10 21 17
EPS in Rs 4.14 1.47 3.48 2.34 1.80 1.92 3.93 3.16
Gross NPA % 0.97% 1.07% 1.28% 1.59% 2.40%
Net NPA % 0.53% 0.48% 0.68% 0.85% 1.24%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
89 98 130 173 246 317 341
Interest 50 50 63 83 115 137 142
21 28 45 60 84 114 123
Financing Profit 19 20 22 29 47 66 75
Financing Margin % 21% 20% 17% 17% 19% 21% 22%
0 1 1 2 2 3 3
Depreciation 1 1 1 2 2 2 2
Profit before tax 18 20 22 30 47 66 75
Tax % 41% 25% 27% 24% 24% 25%
10 15 16 22 36 50 57
EPS in Rs 8.61 9.52 10.81
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 29%
3 Years: 35%
TTM: 29%
Compounded Profit Growth
10 Years: %
5 Years: 37%
3 Years: 46%
TTM: 44%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -30%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 14%
Last Year: 14%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 14 16 18 20 21 26
Reserves 85 111 134 182 237 439
Borrowing 391 411 615 767 1,137 1,337
21 20 11 16 18 15
Total Liabilities 512 558 779 985 1,413 1,818
5 6 10 11 13 17
CWIP 0 0 0 0 0 0
Investments 1 20 8 15 29 159
505 532 761 959 1,370 1,642
Total Assets 512 558 779 985 1,413 1,818

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-5 -19 -169 -224 -311 -280
-1 -20 5 -7 -18 -134
33 33 213 178 390 354
Net Cash Flow 27 -5 48 -53 60 -60
Free Cash Flow -5 -19 -175 -226 -315 -286
CFO/OP 0% -17% -195% -193% -185% -128%

Ratios

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 11% 13% 11% 13% 16% 14%

Insights

In beta
Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
₹ Cr

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AUM - MSME Vertical
₹ Cr
AUM - Rajasthan (Geographic Mix)
₹ Cr
Disbursements
₹ Cr
Employee Count
count
Branch Network
count
Customer Base
count

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Shareholding Pattern

Numbers in percentages

Sep 2025Dec 2025Mar 2026Jun 2026
60.45% 60.45% 60.31% 60.17%
4.61% 3.31% 1.58% 1.40%
5.02% 4.61% 4.34% 5.32%
29.91% 31.62% 33.78% 33.12%
No. of Shareholders 33,09931,59231,55529,591

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

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