New Delhi (India), August 18 : Laxmi India Finance
Limited (formerly known as Laxmi India Finance Private Limited), a leading Non-Banking Financial Company (NBFC), has announced its
financial results for the quarter ended June 30, 2025, delivering robust growth
across key performance metrics, supported by strong disbursements, improved
asset quality, and healthy profitability.
With a strong presence across multiple states in India,
the company focuses on providing credit solutions for secured MSMEs, vehicle
loans, and personal/business loans, with an emphasis on responsible lending and
customer-centric services.
Financial Highlights – Q1 FY26 (YoY Growth)
- Profit
After Tax (PAT): ₹9.65 crore, up 45.77%
(Q1 FY25: ₹6.62 crore) - Profit
Before Tax (PBT): ₹12.77 crore, up 46.78% - Net
Interest Income (NII): ₹33.86 crore, up
41.80% - Assets
Under Management (AUM): ₹1,346.05
crore, up 29.99% - Net
Worth: ₹268.50 crore, up 28.87% - Cost
of Borrowing: Increased to 11.82% from 11.49%
in Q1 FY25
Operational & Asset Quality Highlights
- Disbursements
of ₹164.92 crore, up 7.43% YoY - Branch
network expanded to 159 branches across Rajasthan, Gujarat, Madhya
Pradesh, Chhattisgarh, and Uttar Pradesh - Employee
strength grew to 1,520, up 25.31% YoY - Gross
NPA at 1.28% and Net NPA at 0.67%, reflecting healthy asset
quality - Capital
Adequacy Ratio (CRAR) at 20.28%, with a Positive outlook
maintained by credit rating agencies
Segment Performance
- MSME
& Construction Loan Portfolio grew 35.72%
YoY to ₹1,132.17 crore - Vehicle
Loan Portfolio rose 1.57% YoY to ₹183.60
crore - Personal
& Business Loans stood at ₹13.37
crore
Mr. Deepak Baid, Managing Director of Laxmi India
Finance Limited, said, “Our Q1 FY26 performance
reflects the resilience of our business model and the trust of our customers
and stakeholders. The growth in AUM, profitability, and expansion in our
network underscores our focus on building a robust and diversified credit
portfolio while maintaining strong asset quality. We remain committed to
leveraging technology, deepening our geographical presence, and enhancing
financial inclusion.”
With a robust balance sheet, prudent risk management,
and a diversified funding base, Laxmi India Finance Limited is well-positioned
to sustain its growth momentum in the coming quarters. The company remains
focused on expanding its reach to underserved markets, strengthening its secured
MSME and vehicle finance portfolio, and leveraging technology to drive
operational efficiency. Backed by a strong credit rating and a positive
outlook, Laxmi India aims to deliver consistent value to its customers,
investors, and stakeholders while contributing to India’s financial inclusion
journey.
