Laxmi India Finance Ltd
Laxmi India Finance Q2 FY26 earnings call: Revenue & Margins
Q2 FY26 earnings call: what management said on revenue, margins and capex.
The short version
The company expects sustainable and improved AUM growth in Q3 and Q4, driven by increased demand post-festival season and agriculture output. The company is targeting sustainable AUM growth of approximately 30%-35% CAGR year-on-year, with improved growth expected in Q3 and Q4 of FY26.
From Laxmi India Finance Ltd's Q2 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- The company expects sustainable and improved AUM growth in Q3 and Q4, driven by increased demand post-festival season and agriculture output.
- They are maintaining a CAGR of 30%-35% year-on-year, expecting better numbers this financial year aided by good liquidity and lower cost of funds.
- Expansion plans include opening 29 branches this financial year (6 already opened) and entering one additional state by year-end.
- Growth is predominantly driven by MSME loans (80%-85% focus), with commercial vehicle loan exposure reduced, concentrating on private and multi-rooted vehicles.
- Improved capital adequacy (now above 31%), lower leverage, and enhanced credit ratings support growth capacity.
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Profitability & Margins
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Capital Expenditure Plans
- Planned to open 29 new branches in the current financial year, with 6 already opened and 23 in planning/identification stage.
- Expansion includes entering one more new state by the end of the financial year (under management consideration).
- Capital expenditure for opening each branch ranges from INR 1.5 lakhs to INR 2.5 lakhs depending on branch category (Tier 1, 2, or 3).
- Branch sizes vary from 250 to 600 square feet based on tier categorization.
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Ranked on what management guided this quarter
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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What Laxmi India Finance Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Laxmi India Finance Ltd Q2 FY26 results?
The company expects sustainable and improved AUM growth in Q3 and Q4, driven by increased demand post-festival season and agriculture output. The company is targeting sustainable AUM growth of approximately 30%-35% CAGR year-on-year, with improved growth expected in Q3 and Q4 of FY26.
What is Laxmi India Finance Ltd share price analysis?
Laxmi India Finance Ltd currently shows a neutral. 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?
Planned to open 29 new branches in the current financial year, with 6 already opened and 23 in planning/identification stage.
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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.