Laxmi India Finance Ltd
Laxmi India Finance Q1 FY27 earnings call: Revenue & Margins
Q1 FY27 earnings call: what management said on revenue, margins and capex.
Guidance rank: #40 of 63 in Finance
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What the Q1 FY27 call signalled
4 of 5 strong
The short version
Laxmi India Finance targets AUM growth of approximately 30% to 35% annually over the medium term. - PAT growth guidance for FY27 remains at approximately 40% to 45%, with strong Q1 performance ahead of this range. - Growth driven by maturation of new branches, expansion into new states (e.g., Uttar Pradesh, Maharashtra), and increased density in existing markets. - Product focus remains on secured MSME lending, with plans to add new products and expand branch network by 30-35 branches annually. - Management aims to build a scalable, high-quality lending franchise with sustainable returns rather than just balance sheet expansion. - Capital raising (approx. Laxmi India Finance expects to maintain AUM growth at a CAGR of approximately 30% to 35% annually.
From Laxmi India Finance Ltd's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.
Revenue & Sales Performance
- Laxmi India Finance targets AUM growth of approximately 30% to 35% annually over the medium term.
- PAT growth guidance for FY27 remains at approximately 40% to 45%, with strong Q1 performance ahead of this range.
- Growth driven by maturation of new branches, expansion into new states (e.g., Uttar Pradesh, Maharashtra), and increased density in existing markets.
- Product focus remains on secured MSME lending, with plans to add new products and expand branch network by 30-35 branches annually.
- Management aims to build a scalable, high-quality lending franchise with sustainable returns rather than just balance sheet expansion.
2 more points from Laxmi India Finance Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Laxmi India Finance plans to raise additional equity capital of around INR 300-350 crores starting mid next financial year to support balance sheet growth and maintain leverage between 3.5x to 4x.
- Branch expansion plans include opening 30 to 35 new branches in existing states during the year, focusing on Tier 2 and Tier 3 cities, to deepen market presence.
- Continuous focus on investment in underwriting, collection discipline, and liability management to sustain growth and asset quality.
- Technology investments include further digitalization of the loan process, aiming to move physical loan agreement signing to eSign soon.
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Laxmi India Fin.'s management said in earlier quarters
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The presentation reports **total income of ₹25.9 crore for Q1 FY27**, up from ₹21.6 crore in Q1 FY26, indicating a **year-on-year growth of 20%**. Key investor
- Capital Trust (Q1 FY27)
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Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
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Frequently Asked Questions
What were Laxmi India Finance Ltd Q1 FY27 results?
Laxmi India Finance targets AUM growth of approximately 30% to 35% annually over the medium term. - PAT growth guidance for FY27 remains at approximately 40% to 45%, with strong Q1 performance ahead of this range. - Growth driven by maturation of new branches, expansion into new states (e.g., Uttar Pradesh, Maharashtra), and increased density in existing markets. - Product focus remains on secured MSME lending, with plans to add new products and expand branch network by 30-35 branches annually. - Management aims to build a scalable, high-quality lending franchise with sustainable returns rather than just balance sheet expansion. - Capital raising (approx. Laxmi India Finance expects to maintain AUM growth at a CAGR of approximately 30% to 35% annually.
What is Laxmi India Finance Ltd share price analysis?
Laxmi India Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 14.1 with a market cap of ₹701 Cr. Investors should review the full earnings analysis for detailed insights.
Is Laxmi India Finance Ltd planning capital expenditure?
Laxmi India Finance plans to raise additional equity capital of around INR 300-350 crores starting mid next financial year to support balance sheet growth and maintain leverage between 3.5x to 4x.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.