LAXMIINDIA
Laxmi India Finance Limited
Secured MSME and retail lending NBFC for semi-urban and rural markets
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
lifc.co.in(opens the company website in a new tab)Key metrics
Price as of 2026-10-16
Full years shown; sign in free for the trailing twelve months. Learn about these metrics →
Price & valuation
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What you need to know
Laxmi India Finance is a non-bank lender with Rajasthan as its home state, giving small-ticket, largely secured loans to small businesses and other retail borrowers in semi-urban and rural India through a branch network.
Company snapshot
38thBy market cap
Ranked among 58 companies in Non Banking Financial Company (NBFC).
What we see
- ✓Net margin of 15.7% — the business keeps a healthy share of every rupee it earns.
- ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
Statement tables · Standalone
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Standalone only
Amounts in ₹ Cr · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|
| Net Interest Income | 34 Cr | 38 Cr | 38 Cr | 52 Cr | 47 Cr |
| Other income | 0.40 Cr | 0.55 Cr | 0.99 Cr | 0.62 Cr | 0.43 Cr |
| Net operating income | 34 Cr | 38 Cr | 39 Cr | 53 Cr | 47 Cr |
| Employee cost | 16 Cr | 17 Cr | 20 Cr | 19 Cr | 22 Cr |
| Other expenses | 5 Cr | 9 Cr | 5 Cr | 8 Cr | 7 Cr |
| Provisions & contingencies | — | — | — | — | — |
| Depreciation | 0.46 Cr | 0.51 Cr | 0.64 Cr | 0.69 Cr | 0.60 Cr |
| Profit before tax | 13 Cr | 13 Cr | 13 Cr | 27 Cr | 22 Cr |
| Tax % | 23.4% | 26.4% | 25.1% | 24.2% | 24.4% |
| Net profit | 10 Cr | 9 Cr | 10 Cr | 21 Cr | 17 Cr |
| EPS (₹) | ₹2.34 | ₹1.90 | ₹1.90 | ₹4.06 | ₹3.17 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|
| Net Interest Income | — | — | — | 162 Cr | Sign in free for the trailing twelve months |
| Other income | 1 Cr | 2 Cr | 2 Cr | 3 Cr | Sign in free for the trailing twelve months |
| Net operating income | 1 Cr | 2 Cr | 2 Cr | 164 Cr | Sign in free for the trailing twelve months |
| Employee cost | 32 Cr | 43 Cr | 54 Cr | 73 Cr | Sign in free for the trailing twelve months |
| Other expenses | 11 Cr | 15 Cr | 18 Cr | 27 Cr | Sign in free for the trailing twelve months |
| Provisions & contingencies | — | — | — | — | Sign in free for the trailing twelve months |
| Depreciation | 1 Cr | 2 Cr | 2 Cr | 2 Cr | Sign in free for the trailing twelve months |
| Profit before tax | 22 Cr | 30 Cr | 47 Cr | 66 Cr | Sign in free for the trailing twelve months |
| Tax % | 27.5% | 24.2% | 24.0% | 24.7% | Sign in free for the trailing twelve months |
| Net profit | 16 Cr | 22 Cr | 36 Cr | 50 Cr | Sign in free for the trailing twelve months |
| EPS (₹) | ₹5.02 | ₹6.11 | ₹8.78 | ₹10.20 | Sign in free for the trailing twelve months |
| Dividend payout % | — | — | — | 0.0% | Sign in free for the trailing twelve months |
The latest four quarters added up, next to each full year
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity capital | 18 Cr | 20 Cr | 21 Cr | 26 Cr |
| Reserves | 134 Cr | 182 Cr | 237 Cr | 439 Cr |
| Borrowings | 615 Cr | 767 Cr | 1,137 Cr | 1,337 Cr |
| Other liabilities | 11 Cr | 16 Cr | 18 Cr | 15 Cr |
| Total liabilities | 779 Cr | 985 Cr | 1,413 Cr | 1,818 Cr |
| Fixed assets (net) | 10 Cr | 11 Cr | 13 Cr | 17 Cr |
| CWIP | — | — | — | 0 Cr |
| Investments | 8 Cr | 15 Cr | 29 Cr | 159 Cr |
| Loans & advances | — | — | — | 1,480 Cr |
| Trade receivables | 0.07 Cr | 0.31 Cr | 0.17 Cr | 0 Cr |
| Cash & bank | 95 Cr | 42 Cr | 102 Cr | 42 Cr |
| Other assets | 666 Cr | 917 Cr | 1,268 Cr | 119 Cr |
| Total assets | 779 Cr | 985 Cr | 1,413 Cr | 1,818 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Cash from operating activity | -169 Cr | -224 Cr | -311 Cr | -280 Cr |
| Cash from investing | 5 Cr | -7 Cr | -18 Cr | -134 Cr |
| Cash from financing | 213 Cr | 178 Cr | 390 Cr | 354 Cr |
| Net cash flow | 48 Cr | -53 Cr | 60 Cr | -60 Cr |
| Free cash flow (OCF − Capex) | -175 Cr | -226 Cr | -315 Cr | -286 Cr |
Ratios
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| ROE % | 10.5% | 11.1% | 14.0% | 10.7% |
| Debt / equity | 4.03 | 3.80 | 4.41 | 2.87 |