{"id":58883,"date":"2025-08-16T14:54:11","date_gmt":"2025-08-16T09:24:11","guid":{"rendered":"https:\/\/thedailymetro.in\/index.php\/2025\/08\/16\/laxmi-india-finance-limited-reports-strong-q1-fy26-performance-with-45-77-percent-yoy-pat-growth\/"},"modified":"2025-08-16T14:54:11","modified_gmt":"2025-08-16T09:24:11","slug":"laxmi-india-finance-limited-reports-strong-q1-fy26-performance-with-45-77-percent-yoy-pat-growth","status":"publish","type":"post","link":"https:\/\/thedailymetro.in\/index.php\/2025\/08\/16\/laxmi-india-finance-limited-reports-strong-q1-fy26-performance-with-45-77-percent-yoy-pat-growth\/","title":{"rendered":"Laxmi India Finance Limited Reports Strong Q1 FY26 Performance with 45.77 Percent YoY PAT Growth"},"content":{"rendered":"<div>\n<p><b>New Delhi [India], August 16: Laxmi India Finance Limited (formerly known as Laxmi India Finance Private Limited), <\/b><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><b>Financial Highlights \u2013 Q1 FY26 (YoY Growth)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Profit After Tax (PAT):<\/b><span style=\"font-weight: 400;\"> \u20b9<\/span><b>9.65<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>45.77%<\/b><span style=\"font-weight: 400;\"> (Q1 FY25: \u20b96.62 crore)<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Profit Before Tax (PBT):<\/b><span style=\"font-weight: 400;\"> \u20b9<\/span><b>12.77<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>46.78%<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Net Interest Income (NII):<\/b><span style=\"font-weight: 400;\"> \u20b9<\/span><b>33.86<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>41.80%<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Assets Under Management (AUM):<\/b><span style=\"font-weight: 400;\"> \u20b9<\/span><b>1,346.05<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>29.99%<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Net Worth:<\/b><span style=\"font-weight: 400;\"> \u20b9<\/span><b>268.50<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>28.87%<\/b><\/li>\n<li style=\"font-weight: 400;\"><b>Cost of Borrowing:<\/b><span style=\"font-weight: 400;\"> Increased to <\/span><b>11.82%<\/b><span style=\"font-weight: 400;\"> from <\/span><b>11.49%<\/b><span style=\"font-weight: 400;\"> in Q1 FY25<\/span><\/li>\n<\/ul>\n<p><b>Operational &amp; Asset Quality Highlights<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Disbursements of \u20b9<\/span><b>164.92<\/b><span style=\"font-weight: 400;\"> crore, up <\/span><b>7.43%<\/b><span style=\"font-weight: 400;\"> YoY<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Branch network expanded to <\/span><b>159<\/b><span style=\"font-weight: 400;\"> branches across Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh, and Uttar Pradesh<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Employee strength grew to <\/span><b>1,520<\/b><span style=\"font-weight: 400;\">, up <\/span><b>25.31%<\/b><span style=\"font-weight: 400;\"> YoY<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Gross NPA at <\/span><b>1.28%<\/b><span style=\"font-weight: 400;\"> and Net NPA at <\/span><b>0.67%<\/b><span style=\"font-weight: 400;\">, reflecting healthy asset quality<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Capital Adequacy Ratio (CRAR) at <\/span><b>20.28%<\/b><span style=\"font-weight: 400;\">, with a <\/span><b>Positive<\/b><span style=\"font-weight: 400;\"> outlook maintained by credit rating agencies<\/span><\/li>\n<\/ul>\n<p><b>Segment Performance<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>MSME &amp; Construction Loan Portfolio<\/b><span style=\"font-weight: 400;\"> grew <\/span><b>35.72%<\/b><span style=\"font-weight: 400;\"> YoY to \u20b9<\/span><b>1,132.17<\/b><span style=\"font-weight: 400;\"> crore<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Vehicle Loan Portfolio<\/b><span style=\"font-weight: 400;\"> rose <\/span><b>1.57%<\/b><span style=\"font-weight: 400;\"> YoY to \u20b9<\/span><b>183.60<\/b><span style=\"font-weight: 400;\"> crore<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Personal &amp; Business Loans<\/b><span style=\"font-weight: 400;\"> stood at \u20b9<\/span><b>13.37<\/b><span style=\"font-weight: 400;\"> crore<\/span><\/li>\n<\/ul>\n<p><b>Mr. Deepak Baid, Managing Director of Laxmi India Finance Limited<\/b><span style=\"font-weight: 400;\">, said, <\/span><i><span style=\"font-weight: 400;\">\u201cOur 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.\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019s financial inclusion journey.<\/span><\/p>\n<p><em>If you object to the content of this press release, please notify us at pr.error.rectification@gmail.com. We will respond and rectify the situation within 24 hours.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>New Delhi [India], August 16: Laxmi India Finance Limited (formerly known as Laxmi India Finance [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":58884,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1328],"class_list":["post-58883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-business"],"_links":{"self":[{"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/posts\/58883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/comments?post=58883"}],"version-history":[{"count":0,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/posts\/58883\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/media\/58884"}],"wp:attachment":[{"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/media?parent=58883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/categories?post=58883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thedailymetro.in\/index.php\/wp-json\/wp\/v2\/tags?post=58883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}