| Metric | Value (₹ Cr) | vs Q2 FY26 |
|---|---|---|
| Revenue | 78.83 | 4.2% |
| Total Income | 79.82 | 4.7% |
| Expenditure | 66.40 | 4.7% |
| PBT | 13.43 | 5.1% |
| Net Profit | 10.06 | 7.0% |
| OPM | 59.76% | 1.76pp |
| NPM | 12.61% | 0.27pp |
| EPS | 1.90 | 0.0% |
Laxmi India Finance Ltd Reports 21.11% YoY AUM Growth in Q3 FY26, Despite DA Loan Pool Stress
10 Feb 2026 · 10 Feb, 10:34 pm
Summary
Laxmi India Finance Ltd announced its financial results for the quarter and nine months ended December 31, 2025, reflecting strong business growth, healthy operating metrics, and robust capital adequacy, notwithstanding a one-time stress event in a Direct Assignment (DA) loan pool. The company's Assets Under Management (AUM) grew 21.11% YoY to ₹ 1,451.10 crore as of December 31, 2025 compared to ₹ 1,198.12 crore as on December 31, 2024. The company's profitability also improved with a Net Interest Margin of 38.10% in Q3 FY26.
Key Highlights
- 1
21.11% YoY AUM growth
- 2
23.68% YoY own book expansion
- 3
21.76% YoY yield on average portfolio
- 4
10.94% average cost of borrowings vs 11.58% YoY
- 5
28.40% CRAR vs 20.76% ending Q3 FY25
- 6
2.53% ROA and 11.04% RoE
- 7
68.09% YoY Profit Before Tax growth
- 8
64.32% YoY Profit After Tax growth
- 9
38.10% Net Interest Margin
- 10
2.40% Gross NPA and 1.24% Net NPA
- 11
49.19% provision coverage ratio vs 46.25% YoY
- 12
1.23% credit cost vs 1.03% YoY
Management Comments
Management of Laxmi India Finance Ltd
The Company continues to maintain strong capital buffers, stable margins, and disciplined underwriting practices. Management remains focused on portfolio quality, controlled growth, and strengthening risk oversight mechanisms to support sustainable long-term value creation.
Informational and educational content only. Not investment advice.