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About
Laxmi India Finance Ltd (LAXMIINDIA)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544465 NSE: LAXMIINDIA Finance - NBFC | Small Cap | Laxmi India Finance Share Price
₹126.60 -1.35 (-1.06%)
As on 02-Sep'26 16:59
Laxmi India Finance Ltd (LAXMIINDIA)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544465 NSE: LAXMIINDIA Finance - NBFC | Small Cap | Laxmi India Finance Share Price
₹126.60 -1.35 (-1.06%)
As on 02-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹663 Cr.
Current Price
₹126.6
52-Week Low / High
₹71 / 181
TTM EPS
₹10.8
Book Value per Share
₹91.8
P/E Ratio
11.73
Lower than its 5-year historical median
Industry PE
27.3
Price to Book (P/B)
1.38
In line with its 5-year historical median
EV/EBITDA
8.61
In line with its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
13.79%
Return on Capital Employed (ROCE)
12.72%
Return on Assets (ROA)
3.08%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
37.05%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
44.28%
Asset Quality
Gross NPA(%)
2.13%
Net NPA(%)
1.09%
TTM Sales
₹341 Cr.
Reserves
₹455 Cr.
Equity
₹26.2 Cr.
Face Value
₹5
All Time Low / High
₹70.94 / 180.75
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
Is Laxmi India Finance Ltd a good quality company?
Laxmi India Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Laxmi India Finance Ltd performance compare with that of its Peers?
AUM Growth of Laxmi India Finance Ltd vs Industry Peers?
Laxmi India Finance Ltd AUM CAGR is 26.59%, compared to the 5-year industry median CAGR of 10.14%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Laxmi India Finance Ltd?
Promoters hold 60.17% of the Laxmi India Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
How do the current valuation ratios compare with 5-year historical median and industry numbers?
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Laxmi India Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 97.6 | 130 | 173 | 246 | 317 | 341 | ||||||
| YoY Gr. Rt. % | - | 32.7% | 33.7% | 41.9% | 29% | - | ||||||
| Adj EPS (₹ ) | 4.6 | 4.4 | 5.7 | 8.6 | 9.5 | 10.8 | ||||||
| YoY Gr. Rt. % | - | -5.4% | 29.8% | 52.1% | 10.6% | - | ||||||
| BVPS (₹ ) | 39.9 | 41.6 | 50.8 | 61.6 | 88.9 | 91.8 | ||||||
| YoY Gr. Rt. % | - | 4.5% | 22% | 21.3% | 44.3% | - | ||||||
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.6 | 2.4 | 2.6 | 3 | 3.1 | 0 | ||||||
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | NA | 34.8% | 29% | ||||
| Adj EPS | NA | NA | 29.7% | 10.6% | ||||
| BVPS | NA | NA | 28.7% | 44.3% | ||||
| Share Price | - | - | - | -19.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Margins | ||||||||||||
| Net Profit Margin (%) | 15 | 12.3 | 13 | 14.7 | 15.7 | 16.6 | ||||||
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 11.6 | 11.4 | 12.7 | 15.7 | 13.8 | 11.7 | ||||||
Valuation of Laxmi India Finance - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|
| Income + | 98 | 131 | 175 | 248 | 320 |
| Exceptional Items ⓘ | 1 | 1 | 2 | 2 | 3 |
| Expenditure ⓘ + | 79 | 109 | 145 | 201 | 254 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 20 | 22 | 30 | 47 | 66 |
| Taxes ⓘ | 5 | 6 | 7 | 11 | 16 |
| Profit After Tax | 15 | 16 | 22 | 36 | 50 |
| Adjusted EPS (₹) | 4.6 | 4.4 | 5.7 | 8.6 | 9.5 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 127 | 153 | 202 | 258 | 465 | |||||
| Short term borrowings | 3 | 2 | 8 | 408 | 550 | |||||
| Long Term Borrowings | 410 | 618 | 765 | 731 | 788 | |||||
| Current Liabilities | 22 | 8 | 18 | 423 | 561 | |||||
| Trade Payables | 2 | 1 | 2 | 2 | 2 | |||||
| Other Liabilities | -5 | -3 | -10 | -410 | -552 | |||||
| Total Liabilities ⓘ | 558 | 779 | 985 | 1,413 | 1,814 | |||||
Assets | ||||||||||
| Non Current Asset + | 479 | 587 | 841 | 1,220 | 1,585 | |||||
| Current Asset + | 80 | 192 | 143 | 193 | 228 | |||||
| Total Assets ⓘ | 558 | 779 | 985 | 1,413 | 1,814 | |||||
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -19 | -169 | -224 | -311 | -280 |
| Cash Flow From Investing Activity ⓘ | -20 | 5 | -7 | -18 | -134 |
| Cash Flow From Financing Activity ⓘ | 33 | 213 | 178 | 390 | 354 |
| Net Cash Flow ⓘ | -5 | 48 | -53 | 60 | -60 |
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |||||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 9.20 | 8.70 | 11.30 | 8.60 | 9.50 | |||||
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | |||||
| BVPS (₹) | 79.7 | 83.3 | 101.6 | 61.6 | 88.9 | |||||
Performance Ratios | ||||||||||
| ROA (%) | 2.6 | 2.4 | 2.6 | 3.0 | 3.1 | |||||
| ROE (%) | 11.6 | 11.4 | 12.7 | 15.7 | 13.8 | |||||
| ROCE (%) | 12.9 | 13.0 | 13.0 | 13.7 | 12.7 | |||||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 0.0 | 0.8 | |||||
Top 5 Mutual Funds Holding
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Announcements
Laxmi India Finance Ltd FAQs
The current trading price of Laxmi India Finance on 02-Sep-2026 16:59 is ₹126.6.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Sep-2026 the market cap of Laxmi India Finance stood at ₹663.3 Cr
The latest P/E ratio of Laxmi India Finance as of 01-Sep-2026 is 11.73.
The latest P/B ratio of Laxmi India Finance as of 01-Sep-2026 is 1.38.
The 52-week high of Laxmi India Finance is ₹180.8 and the 52-week low is ₹70.94.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Laxmi India Finance is ₹341 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Laxmi India Finance Ltd is a below average quality company.
The key valuation ratios of Laxmi India Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Laxmi India Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Laxmi India Finance Ltd
Laxmi India Finance was incorporated under the provisions of the Companies Act, 1956 as ‘Laxmi India Finleasecap Private Limited’ pursuant to a certificate of incorporation dated May 10, 1996, issued by Registrar of Companies, Delhi and Haryana. Thereafter, the name of the company was changed to Laxmi India Finance Private Limited to align it with its business activities pursuant to a resolution passed by its Shareholders dated January 25, 2023 and a fresh certificate of incorporation was issued by the RoC on March 10, 2023. Consequently, the company was converted into a public limited company and the name of the company was changed to ‘Laxmi India Finance Limited’ pursuant to a special resolution passed by its Shareholders dated August 9, 2024 and a fresh certificate of incorporation issued by the RoC on October 08, 2024.
The company is a non-deposit taking non-banking financial company (NBFC) focused on serving the financial needs of underserved customers in India’s lending market. Its operational network spans across various locations in rural, semi-urban and urban areas in the states of Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh and Uttar Pradesh. Its product portfolio includes MSME loans, vehicle loans, construction loans and other lending products catering to the diverse financial needs of its customers.
As a tech-driven NBFC, the company has integrated technology throughout its operations to boost efficiency and customer experience. Its digital ecosystem covers onboarding, underwriting, loan fulfilment, collections, and servicing. This integration allows the company to efficiently manage its distribution and collections network, delivering a customized customer experience through a digitally enabled journey. The company has digitized the loan origin and disbursal process using its loan origination software (LOS) and loan management system (LMS), resulting in faster disbursal times and enhanced fraud protection. Additionally, its customer relationship management (CRM) software enhances customer engagement and retention. To enhance customer onboarding, its sales team utilizes a mobile application, enabling instant information capture at customer locations, real-time query resolution, guided loan application process and reduced paperwork. This mobility accelerates onboarding, allowing for quicker approvals and a seamless experience for clients. Its IT infrastructure facilitates swift disbursal ensuring timely access to capital to its customers.
Business area of the company:
The company is a non-deposit taking non-banking financial company categorized as a ‘NBFC-Middle Layer’ primarily operating in Micro, Small and Medium Enterprises (MSME) financing vertical and vehicle financing vertical. The company offers MSME loans, vehicle loans, construction loans and other lending products to cater to the financial needs of its customers.
Products of the company:
- MSME Loan
- Vehicle Loan
- Business Loan
- Personal Loan
- Construction Loan
Awards, accreditations, and recognition:
- 2024: Featured as ‘Company of the Year’ in Finance Outlook India Magazine, December Edition
- 2025: Recognized as ‘Great Place to Work’ in the Mid-Size Organizations by Great Place to Work Institute, India from February 2025 to February 2026
History and milestones:
- 1996: Incorporation of the company as ‘Laxmi India Finleasecap Private Limited’
- 2001: Received license to operate as an NBFC from the RBI
- 2010: Acquisition of control of the company by the current Promoters
- 2011: Launched MSME loan product
- 2017: Crossed the AUM of Rs 1,000 million
- 2017: Launched construction loan product 2018 Designated as NBFC - Investment and Credit company
- 2019: Opened its first branch in Gujarat
- 2020: Its customer base crossed 10,000
- 2020: Opened its first branch in Madhya Pradesh
- 2021: Designated as a NBFC-ND-SI by the RBI
- 2022: Crossed 100 branches 2023 crossed the AUM of Rs 5,000 million
- 2024: Crossed the AUM of Rs 10,000 million
- 2024: Categorized as NBFC-Middle Layer
- 2024: Its customer base crossed 25,000
- 2025: Opened its first branch in Uttar Pradesh
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