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BSEThe Quarter story
The two most recent quarterly results, compared side-by-side.
Laxmi India Finance drives steady loan growth and margin expansion, with improving asset quality offset by rising Stage 3 exposures and FPI exits.
AUM grew from ₹1,346 Cr in Q1 FY26 to ₹1,722 Cr in Q1 FY27, expanding the lending base.
Stage 3 loans doubled from ₹15.59 Cr in Q1 FY26 to ₹33.49 Cr in Q1 FY27, signaling rising NPA migration.
Average cost of borrowings fell from 11.82% in Q1 FY26 to 10.66% in Q1 FY27, easing funding expenses.
Foreign Portfolio Investor stake fell from 3.31% in Q3 FY26 to 1.40% in Q1 FY27, indicating sustained FPI exit.
Gross NPA eased from 2.40% in Q3 FY26 to 2.08% in Q1 FY27, while provision coverage rose to 55.22%.
Total borrowings dropped from ₹1,275.75 Cr in Q4 FY26 to ₹100 Cr in Q1 FY27, reflecting major deleveraging.
Liquidity surged from ₹73.96 Cr in Q1 FY26 to ₹255.87 Cr in Q1 FY27, strengthening cash buffers.
Profit After Tax normalized from ₹49.68 Cr in Q4 FY26 to ₹16.43 Cr in Q1 FY27, showing earnings volatility.
Customer base expanded from 37,122 in Q1 FY26 to 43,946 in Q1 FY27, driving retail penetration.
Employee cost rose from ₹19.17 Cr in Q4 FY26 to ₹22.12 Cr in Q1 FY27, aligning with headcount expansion.
