Laxmi India Finance

Laxmi India Finance reported a strong FY26 with PAT of ₹49.7 croreCurrent reported value: ₹49.7 crore. No comparable prior figure is available in the source record. (+38Current reported value: 38. No comparable prior figure is available in the source record.% YoY) and AUM growth of 27%Current reported value: 27%. No comparable prior figure is available in the source record. to ₹1,626 crCurrent ₹1,626 Cr. Reported change: +27% YoY.ore, driven by secured MSME lending in semi-urban markets. Net interest income rose 39%Current reported value: 39%. No comparable prior figure is available in the source record. to ₹161 crore, supported by portfolio growth and a 68bps reduction in borrowing cost to 10.8%Current 10.8%. Reported change: -68bps YoY.. Asset quality remained stable with gross NPA at 2.13%Current 2.13%. Reported change: flat. and net NPA at 1.09%, backed by a secured portfolio (98%) and conservative LTV of ~45%. Management guided for 30-35% AUM CAGRCurrent reported value: 30-35% AUM CAGR. No comparable prior figure is available in the source record. and 40-45% PAT growth over the medium term, underpinned by branch expansion into new states (Maharashtra, UP) and improving operating leverage. A one-off ₹8.66 crore gain from a direct assignment transaction boosted Q4 profitability. Key risk: concentration in Rajasthan (82% of AUM) exposes the portfolio to regional economic shocks, though management cites strong collateral coverage and joint-family repayment culture as mitigants.