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 ₹ 671 Cr.
- Current Price ₹ 127
- High / Low ₹ 181 / 70.9
- Stock P/E 11.9
- 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: | -5% |
| 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
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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 …
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Outcome Of Business Operation Committee Meeting Of The Board Of Laxmi India Finance Limited ('The Company') And Disclosure Under Regulation 30 And 51 Of The SEBI (LODR) Regulations, 2015 ('SEBI Listing Regulations')-Issuance Of Non-Convertible Debentures By The Company
- Committee approved up to ₹100 crore NCD issuance, plus ₹20 crore greenshoe, on August 25, 2026.
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Board Meeting Outcome for Outcome Of Business Operation Committee Meeting Of The Board Of Laxmi India Finance Limited('The Company') And Disclosure Under Regulation 30 And 51 Of The SEBI Listing Regulations-Issuance Of Non-Convertible Debentures By The Company.
- Board committee approved private placement of NCDs up to ₹100 crore plus ₹20 crore greenshoe on August 25, 2026.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Pursuant to Regulation 30 and 47 of the SEBI (LODR) Regulations, 2015, as amended ('SEBI Listing Regulations'), ....
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Disclosure Under Regulation 30-Letters To Shareholders/Debenture Holders
- FY2025-26 annual report and 29th AGM notice shared with shareholders and debenture holders.
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.