Laxmi India Finance Q1 FY27: Profit Up 70% to ₹16.4 Cr, AUM Grows 28%
Laxmi India Finance reported a 70% year-on-year increase in PAT to ₹16.4 crore for Q1 FY27. AUM grew 28% to ₹1721.7 crore, with disbursements at ₹232 crore. NIM improved to 11.36% due to a lower borrowing cost of 10.66%. Gross NPA stood at 2.08%. The company targets 30-35% AUM growth annually.
The substantial growth in profits and AUM, coupled with improved financial metrics like NIM and NPA, indicates a strong positive impact on the company's financial health and market position.
The company reported strong financial results with significant growth in profit, AUM, and disbursements, along with an improvement in margins and asset quality.
Laxmi India Finance Limited (LAXMIINDIA) announced a strong performance for the first quarter of FY27, ended June 30, 2026. The company's net interest income surged by 39% year-on-year to ₹47.1 crore. Profit before tax increased by approximately 72% to ₹21.9 crore, while profit after tax (PAT) saw a significant rise of about 70% to ₹16.4 crore.
The company's asset under management (AUM) grew by 28% year-on-year to ₹1721.7 crore. Disbursements during the quarter stood at ₹232 crore, up from ₹166 crore in Q1 FY26. The MSME segment remains the core of the business, with MSME AUM at approximately ₹1395 crore. The customer base expanded to around 43,946, supported by a network of 194 branches across six states, with a focus on semi-urban and rural markets.
Net interest margin (NIM) improved to 11.36% from 10.43% a year ago, driven by a decline in the average cost of borrowing by 67 basis points to 10.66%. The company's net worth stood at ₹482.8 crore, with a capital adequacy ratio of 25.32%. Gross NPA was reported at 2.08% and net NPA at 0.93% as of June 30, 2026.
Laxmi India Finance aims to continue its growth trajectory, targeting AUM growth of approximately 30% to 35% annually. The company reiterated its PAT growth guidance of 40% to 45% for the current financial year. Management emphasized a continued focus on maintaining asset quality, strengthening the liability franchise, and improving returns.
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