AUM growth of 30-35% CAGR over medium term
Management expects AUM to compound at 30-35% annually, driven by branch expansion, deeper penetration in existing states, and new geographies like Maharashtra and UP.
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Laxmi India Finance · forward-looking guidance across the available source record.
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What management said would happen.
growth
PAT growth of 40-45% in coming years
Profit after tax is expected to grow at 40-45% annually as operating leverage improves and branch productivity matures.
Borrowing cost reduction of 20-25 bps in FY27
Treasury head guided for a further 20-25 bps decline in blended borrowing cost in FY27, benefiting from the recent rating upgrade and increased bank borrowings.
ROA to remain above 3%
Management targets maintaining return on assets above 3% on a sustained basis, translating into ROE of at least 12-12.5% in the medium term.