Laxmi India Finance Ltd
LAXMIINDIA NSE
Laxmi India Finance Ltd
Financial ServicesNSE: LAXMIINDIA BSE: 544465 Finance
Key Fundamentals
MicrocapFinanceFinancial ServicesMarket Cap
₹671 Cr
Volatility
Moderate
P/E Ratio
11.84
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
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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31 extracted metrics + investor summaries across FY21–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
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% ↗
Net Income Growth
28.22% ↗
Cash Flow Change
-39.10% ↘
ROE
25.31% ↗
ROCE
-0.94% ↘
EBITDA Margin (Avg.)
-3.80% ↗
Quarterly Results
| 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
| 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
| 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
| 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
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 11% | 13% | 11% | 13% | 16% | 14% |
Documents
1
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.
2
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.
3
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.
4
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.
5
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
28 Apr - Company confirms it is not a Large Corporate as of March 31, 2026; borrowing Rs. 1,337.31 crore. 28 Apr - Company confirms it is not a Large Corporate as of March 31, 2026; borrowing Rs. 1,337.31 crore.
Frequently Asked Questions about Laxmi India Finance Ltd
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 is listed on the Indian stock exchanges. It is listed on NSE: LAXMIINDIA and BSE: 544465. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Laxmi India Finance Ltd belong to?
Laxmi India Finance Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Laxmi India Finance Ltd?
Laxmi India Finance Ltd has a market capitalisation of approximately ₹671.21 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Laxmi India Finance Ltd?
The Price-to-Earnings (PE) ratio of Laxmi India Finance Ltd is 11.84. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Laxmi India Finance Ltd?
Over the past 52 weeks, Laxmi India Finance Ltd has traded between a low of ₹71.06 and a high of ₹180.9. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Laxmi India Finance Ltd?
Laxmi India Finance Ltd has a Return on Equity (ROE) of 13.96%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Laxmi India Finance Ltd on Tapetide?
On Tapetide, you can view Laxmi India Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 1996, Laxmi India Finance Limited is engaged in the business of Non Non-Banking Financial Company.[1]