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 ₹ 646 Cr.
- Current Price ₹ 124
- High / Low ₹ 181 / 70.9
- Stock P/E 11.4
- Book Value ₹ 89.0
- Dividend Yield 0.00 %
- ROCE 12.7 %
- ROE 13.8 %
- Face Value ₹ 5.00
Pros
- 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
Quarterly Results
Figures in Rs. Crores
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: | -24% |
| 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
Figures in Rs. Crores
| 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 |
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| AUM - Rajasthan (Geographic Mix) ₹ Cr |
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| Disbursements ₹ Cr |
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| Employee Count count |
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| Branch Network count |
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| Customer Base count |
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Extracted by Screener AI
Documents
Announcements
- Shareholder Meeting / Postal Ballot-Outcome of AGM
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Proceedings Of The 29Th Annual General Meeting Of Laxmi India Finance Limited Held On September 16, 2026.
- Laxmi India Finance held its 29th AGM on September 16, 2026; approved NCD limit and auditor appointment.
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Board Meeting Outcome for Outcome Of Business Operation Committee Meeting Of The Board Of Laxmi India Finance Limited With Respect To Allotment Of 1,00,000 Rated, Listed, Unsubordinated, Secured, Transferable, Redeemable, Non-Convertible Debentures
- Allotted 1,00,000 NCDs worth ₹100 crore on private placement; maturity September 2, 2029.
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Announcement under Regulation 30 (LODR)-Allotment
- Allotted ₹100 crore secured NCDs on 2 September 2026 at 10.50% for 36 months.
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
- In continuation to our letters dated August 17, 2026 and August 20, 2026, we hereby inform you that pursuant to Regulations 30 and 46 of …
Concalls
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Aug 2026TranscriptPPTREC
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Aug 2026Transcript PPT REC
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May 2026Transcript PPT REC
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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.