Laxmi India Finance
LAXMIINDIA NSE
Laxmi India Finance
Financial ServicesNSE: LAXMIINDIA BSE: 544465 Finance
Key Fundamentals
MicrocapFinanceFinancial ServicesMarket Cap
₹663 Cr
Volatility
Moderate
P/E Ratio
11.94
EBITDA
₹203 Cr
Return on Equity
13.96%
Debt to Equity
4.14
Book Value
₹88.85
52W High
₹180.9
52W Low
₹71.06
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Company has delivered good profit growth of 36.5% CAGR over last 5 years
Weaknesses
2- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
Growth Rate
Revenue Growth
27.83% lower than
3Y
Net Income Growth
28.22% lower than
3Y
Cash Flow Change
-39.1% higher than
3Y
ROE
25.31% higher than
3Y
ROCE
-0.94% lower than
3Y
EBITDA Margin (Avg.)
-3.8% lower than
3Y
Quarterly Results
| Particulars | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 51 | 59 | 61 | 74 | 70 | 76 | 79 | 93 | 94 |
| Expenses | 18 | 20 | 23 | 24 | 24 | 29 | 32 | 29 | 33 |
| Financing Profit | 9 | 11 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Fin. Margin % | 17% | 19% | 13% | 25% | 18% | 17% | 17% | 29% | 24% |
| Other Income | 0 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 0 |
| Interest | 24 | 28 | 30 | 32 | 33 | 34 | 34 | 36 | 38 |
| Depreciation | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
| PBT | 9 | 12 | 8 | 19 | 13 | 13 | 13 | 27 | 22 |
| Tax % | 24% | 26% | 23% | 23% | 23% | 26% | 25% | 24% | 24% |
| Net Profit | 7 | 9 | 6 | 15 | 10 | 9 | 10 | 21 | 17 |
| EPS in Rs | — | 4.14 | 1.47 | 3.48 | 2.34 | 1.8 | 1.92 | 3.93 | 3.16 |
| Gross NPA % | — | — | 0.97% | 1.07% | 1.28% | 1.59% | 2.4% | — | — |
| Net NPA % | — | — | 0.53% | 0.48% | 0.68% | 0.85% | 1.24% | — | — |
Profit & Loss
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 89 | 98 | 130 | 173 | 246 | 317 | 341 |
| Expenses | 21 | 28 | 45 | 60 | 84 | 114 | 123 |
| Financing Profit | 19 | 20 | 22 | 29 | 47 | 66 | 75 |
| Fin. Margin % | 21% | 20% | 17% | 17% | 19% | 21% | 22% |
| Other Income | 0 | 1 | 1 | 2 | 2 | 3 | 3 |
| Interest | 50 | 50 | 63 | 83 | 115 | 137 | 142 |
| Depreciation | 1 | 1 | 1 | 2 | 2 | 2 | 2 |
| PBT | 18 | 20 | 22 | 30 | 47 | 66 | 75 |
| Tax % | 41% | 25% | 27% | 24% | 24% | 25% | — |
| Net Profit | 10 | 15 | 16 | 22 | 36 | 50 | 57 |
| EPS in Rs | — | — | — | — | 8.61 | 9.52 | 10.81 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | 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 |
| Other Liabilities | 21 | 20 | 11 | 16 | 18 | 15 |
| Total Liabilities | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
| Fixed Assets | 5 | 6 | 10 | 11 | 13 | 17 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 20 | 8 | 15 | 29 | 159 |
| Other Assets | 505 | 532 | 761 | 959 | 1,370 | 1,642 |
| Total Assets | 512 | 558 | 779 | 985 | 1,413 | 1,818 |
Cash Flow
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | -5 | -19 | -169 | -224 | -311 | -280 |
| Investing | -1 | -20 | 5 | -7 | -18 | -134 |
| Financing | 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
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 11% | 13% | 11% | 13% | 16% | 14% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Laxmi India Finance insights
31 extracted metrics + investor summaries across FY21–FY26.
Documents
1
Board Meeting Intimation for Intimation Under Regulation 29(1) Read With Regulation 50(1) Of The SEBI (LODR) Regulations, 2015('SEBI LODR')
7 May - Board meets May 13, 2026 to approve audited FY26 results and NCD issuance limit. 7 May - Board meets May 13, 2026 to approve audited FY26 results and NCD issuance limit.
2
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
7 May - Go India Advisors to host virtual investor knowledge session for Laxmi India Finance on May 14, 2026. 7 May - Go India Advisors to host virtual investor knowledge session for Laxmi India Finance on May 14, 2026.
3
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
7 May - Laxmi India Finance will hold Q4 FY26 earnings call on May 14, 2026 at 12:30 PM IST. 7 May - Laxmi India Finance will hold Q4 FY26 earnings call on May 14, 2026 at 12:30 PM IST.
4
Announcement under Regulation 30 (LODR)-Change in Management
2 May - AVP-HR Kshitij Agarwal resigned effective close of business May 2, 2026. 2 May - AVP-HR Kshitij Agarwal resigned effective close of business May 2, 2026.
5
Announcement under Regulation 30 (LODR)-Change in Management
2 May - AVP-HR Kshitij Agarwal resigned effective close of business May 2, 2026. 2 May - AVP-HR Kshitij Agarwal resigned effective close of business May 2, 2026.
Frequently Asked Questions about Laxmi India Finance
What does Laxmi India Finance Ltd do?
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]
Where is Laxmi India Finance Ltd (LAXMIINDIA) listed?
Laxmi India Finance Ltd trades as LAXMIINDIA on the NSE and under code 544465 on the BSE.
Which sector does Laxmi India Finance Ltd belong to?
Laxmi India Finance Ltd is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of Laxmi India Finance Ltd?
Laxmi India Finance Ltd has a market capitalisation of ₹662.77 Cr, which places it in the Small Cap band.
What is the PE ratio of Laxmi India Finance Ltd?
Laxmi India Finance Ltd trades at a PE ratio of 11.94, against a book value of ₹88.85 per share.
What is the 52-week high and low of Laxmi India Finance Ltd?
Over the last 52 weeks Laxmi India Finance Ltd has traded between ₹71.06 and ₹180.9.
What is the Return on Equity (ROE) of Laxmi India Finance Ltd?
Laxmi India Finance Ltd reported a return on equity of 13.96%. Its debt-to-equity ratio is 4.14.
Company Information
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]
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