Laxmi India Finance Limited Reports Strong Q1 FY26 Performance with 45.77 Percent YoY PAT Growth
Laxmi India Finance Limited reports a 45.77% YoY jump in Q1 FY26 PAT, alongside robust growth in AUM, a wider branch network, and solid operational metrics.
Dinesh Kumar Verified Public Figure • 25 Apr, 2026Author
Aug 16, 2025 • 3:49 PM 0
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“Laxmi India Finance Limited Reports Strong Q1 FY26 Performance with 45.77 Percent YoY PAT Growth”
Laxmi India Finance Limited Reports Strong Q1 FY26 Performance with 45.77 Percent YoY PAT Growth
New Delhi [India], August 16: 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
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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.
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