What was Laxmi India Finance's revenue in Q4 FY26?

Laxmi India Finance reported revenue of — in Q4 FY26, a — change year-over-year.

Did Laxmi India Finance management deliver on previous promises?

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Laxmi India Finance Q4 FY26 Research Workspace: Revenue — (—)

Q: What guidance did Laxmi India Finance management give?

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.

Revenue —

EBITDA —

PAT ₹50 Cr +38%

EBITDA Margin —

Duration 57 min

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2-Minute Summary

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Laxmi India Finance reported a strong FY26 with PAT of ₹49.7 crore (+38% YoY) and AUM growth of 27% to ₹1,626 crore, driven by secured MSME lending in semi-urban markets. Net interest income rose 39% to ₹161 crore, supported by portfolio growth and a 68bps reduction in borrowing cost to 10.8%. Asset quality remained stable with gross NPA at 2.13% and net NPA at 1.09%, backed by a secured portfolio (98%) and conservative LTV of ~45%. Management guided for 30-35% AUM CAGR 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.

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Risk Intelligence

Geographic concentration in Rajasthan

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Quarter Snapshot

AUM ₹1,626 Cr

+27% YoY

Assets under management grew to ₹1,626 crore as of March 2026, driven by disbursements of ₹821 crore during the year.

Borrowing Cost 10.8%

-68bps YoY

Average cost of borrowing reduced from 11.48% in FY25 to 10.8% in FY26, aided by improved lender confidence post-IPO and rating upgrade.

Branch Network 176

+18 branches YoY

Branch network expanded to 176 across six states, with new entries into Uttar Pradesh and Maharashtra during FY26.

Gross NPA 2.13%

flat

Gross NPA stood at 2.13% as of March 2026, with net NPA at 1.09%, reflecting stable asset quality despite rapid growth.

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Guidance and risk preview

Top guidance 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...

Top risk Geographic concentration in Rajasthan

82% of AUM is concentrated in Rajasthan, making the portfolio vulnerable to regional economic disruptions, political events, or localized slowdowns.