Laxmi India Finance Limited (LAXMIINDIA)

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Laxmi India Finance Limited (LAXMIINDIA) · mywealthgrid

About

Laxmi India Finance Limited is a mid-sized NBFC with ₹651.75 Cr market capitalisation, generating ₹93.5 Cr quarterly revenue (Jun 2026) with elevated operating margins (64.07% overall). Promoter-held at 60.17%, the company has minimal foreign and domestic institutional participation.

Face value: ₹5

Market cap

₹624 Cr

P/E

11.0×

P/B

1.3×

Dividend yield

ROE

10.7%

ROCE

—

Debt / equity

2.87

OPM

64.1%

EPS (TTM)

₹10.8

Book value

₹89.1

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

High leverage (D/E 2.87) amplifies earnings volatility; verify asset quality metrics, default history, and portfolio concentration to assess stress resilience
Earnings volatile: net profit ranged ₹9.4–₹20.52 Cr across five recent quarters; clarify whether one-off items, provisions, or portfolio mix drove swings
Stock fell 16.31% in 12 months despite 34% revenue growth; investigate whether macro concerns, asset quality deterioration, or revaluation caused divergence
Verify refinancing risk given 2.87x leverage; assess funding diversification and debt maturity profile

Generated analysis · source review pending

Growth drivers

Revenue grew 34% YoY (₹69.68 Cr Jun 2025 to ₹93.5 Cr Jun 2026); verify whether loan book expansion, pricing, or portfolio mix drove growth
Net profit grew 69% YoY (₹9.78 Cr to ₹16.57 Cr), faster than revenue; identify drivers — cost absorption, tax benefits, one-offs, or lower provisions
Operating margins sustained at 60%+ (59.75–68.28% recent quarters); verify whether this cost structure is durable or reflects temporary factors

Generated analysis · source review pending

283 historical price candles were omitted because the exchange source has not been verified.

₹119.0+0.2%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 64.1%
+High promoter holding of 60.2% with no pledge

Cons

−Low return on equity of 10.7% (3-yr avg)
−Heavily leveraged (debt/equity 2.9)
−Weak interest coverage of 1.5×

Research score

Structured signal from quality, growth, valuation and momentum.

74/100

Business quality: 32
Growth: 100
Valuation: 92

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore

₹ Cr	Mar 2026
Revenue	317
Interest	137
Expenses	114
Financing profit	66
Financing margin %	20.8%
Other income	3
Depreciation	2
Profit before tax	66
Tax	16
Tax %	24.7%
PAT	50
EPS (₹)	10.2
EPS adjusted (₹)	9.5

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	18	20	21	26
Reserves	134	182	237	439
	—	—	—	1,337
	626	783	1,155	15
Total equity & liabilities	779	985	1,413	1,818
	10	11	13	17
CWIP	—	—	—	0
Investments	8	15	29	159
	761	959	1,370	1,642
Total assets	779	985	1,413	1,818

₹ Cr	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-169	-224	-311	-280
	5	-7	-18	-134
	213	178	390	354
Net cash flow	48	-53	60	-60
Free cash flow	—	—	—	-286
CFO / Operating profit %	—	—	—	-137.8%

Return on equity

7 years: —
5 years: —
3 years: —
Last year: 11%

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2026
Margins
Gross margin %	—
EBITDA margin %	64.1%
EBIT margin %	63.3%
PAT margin %	15.7%
Working capital
Receivable days	—
Inventory days	0
Payable days	—
NWC days	—
Leverage
Current ratio	—
Debt to EBITDA	6.58
Debt to equity	2.87
Interest coverage	1.5
Asset turnover	0.17
Return ratios
Return on assets %	2.7%
Return on capital employed %	—
Return on equity %	10.7%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	60.45%	60.45%	60.45%	60.31%	60.17%
	8.72%	4.61%	3.31%	1.58%	1.4%
	6.74%	5.02%	4.61%	4.34%	5.32%
Government	0%	0%	0%	0%	0%
	24.09%	29.92%	31.63%	33.77%	33.11%
No. of shareholders	—	33,099	31,592	31,555	29,591

Promoter holding down 0.28 percentage points since Jun 2025.

130 deals · 5 Aug 2025 – 25 Mar 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
25 Mar 2026	HARIT EXPORTS PRIVATE LIMITED	Bulk	NSE	Sell	3,00,000	₹83.05	₹2.49 Cr
25 Mar 2026	PROSPERA AURIX LLP	Bulk	NSE	Buy	3,00,000	₹83.25	₹2.50 Cr
9 Feb 2026	PARAM CAPITAL	Bulk	NSE	Sell	20,00,000	₹92.50	₹18.50 Cr
9 Feb 2026	MUKUL AGRAWAL	Bulk	NSE	Buy	20,00,000	₹92.55	₹18.51 Cr
8 Dec 2025	JAINAM BROKING LIMITED	Bulk	NSE	Sell	2,75,000	₹128.85	₹3.54 Cr
8 Dec 2025	SETU SECURITIES PRIVATE LIMITED	Bulk	NSE	Buy	2,75,000	₹128.85	₹3.54 Cr
19 Nov 2025	JUNOMONETA FINSOL PRIVATE LIMITED	Bulk	NSE	Sell	3,64,516	₹144.87	₹5.28 Cr
19 Nov 2025	JUNOMONETA FINSOL PRIVATE LIMITED	Bulk	NSE	Buy	3,64,516	₹144.65	₹5.27 Cr
19 Nov 2025	QE SECURITIES LLP	Bulk	NSE	Sell	3,46,448	₹144.94	₹5.02 Cr
19 Nov 2025	QE SECURITIES LLP	Bulk	NSE	Buy	3,39,534	₹144.43	₹4.90 Cr

1–10 of 130

1 / 13

Mr. Deepak BaidExecutive Director-Chairperson-MD
Ms. Aneesha BaidExecutive Director
Ms. Prem Devi BaidExecutive Director
Mr. Surendra MehtaNon-Executive - Independent Director
Mr. Anil Balkrishna PatwardhanNon-Executive - Independent Director
Mr. BrijMohan SharmaNon-Executive - Independent Director
Mr. Kalyanaraman ChandraChoodanNon-Executive - Independent Director
Sourabh MishraCompany Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in Laxmi India Finance Limited. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

1

Board meeting to consider results12 Aug 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

28 announcementsExport CSV

18 Sept 2026, 4:45 pmCompany Update

Announcement Under Regulation 30 (LODR)- Change In Management

General

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Ratio	Mar 2026
Margins
Gross margin %	—
EBITDA margin %	64.1%
EBIT margin %	63.3%
PAT margin %	15.7%
Working capital
Receivable days	—
Inventory days	0
Payable days	—
NWC days	—
Leverage
Current ratio	—
Debt to EBITDA	6.58
Debt to equity	2.87
Interest coverage	1.5
Asset turnover	0.17
Return ratios
Return on assets %	2.7%
Return on capital employed %	—
Return on equity %	10.7%

Date	Category	Subject	Filing
18 Sept 2026, 4:45 pm	Company Update General	Announcement Under Regulation 30 (LODR)- Change In Management	PDF
18 Sept 2026, 4:17 pm	Company Update General	Announcement Under Regulation 30(LODR)- Scrutinizer''s Report	PDF
18 Sept 2026, 4:11 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report	PDF
16 Sept 2026, 7:55 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Outcome of AGM	PDF
16 Sept 2026, 7:49 pm	Company Update General	Proceedings Of The 29Th Annual General Meeting Of Laxmi India Finance Limited Held On September 16, 2026.	PDF
2 Sept 2026, 3:51 pm	Others Outcome without intimation	Board Meeting Outcome for Outcome Of Business Operation Committee Meeting Of The Board Of Directors Of Laxmi India Finance Limited With Respect To Allotment Of 1,00,000 Rated, Listed, Unsubordinated, Secured, Transferable, Redeemable, Non-Convertible Debentures	PDF
2 Sept 2026, 3:42 pm	Company Update Allotment of Equity Shares	Announcement under Regulation 30 (LODR)-Allotment	PDF
26 Aug 2026, 7:10 pm	Company Update Earnings Call Transcript	Announcement under Regulation 30 (LODR)-Earnings Call Transcript	PDF

Laxmi India Finance Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Return on equity

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

1

Announcements

1

Not in the F&O segment

No fund holdings on record

Announcements

Offer and rights documents

Credit ratings

Investor Presentation and earnings call

Return on equity

Laxmi India Finance Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Compounded returns

Return on equity

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

Board meetings1

Announcements

Ratio timeline

Board meetings1

Not in the F&O segment

No fund holdings on record

Quarterly record

Bulk & block deals

Board and management

Announcements

Offer and rights documents

Credit ratings

Investor Presentation and earnings call

Profit & loss

Balance sheet

Cash flow

Compounded returns

Return on equity

1

1