Laxmi India Fin.

  • Market Cap: Micro Cap
  • Industry: Non Banking Financial Company (NBFC)
  • ISIN: INE06WU01026
  • NSEID: LAXMIINDIA
  • BSEID: 544465
INR
78.90
-0.48 (-0.6%)
BSENSE

Apr 02

BSE+NSE Vol: 1.44 lacs

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

74.8081.04

52 Week

116.10180.75
Valuation
Technical
Day's Volume

CASH

1.44 lacs (-64.55%) Volume

Shareholding (Dec 2025)

FII

3.31%

Held by 9 FIIs

DII

4.61%

Held by 0 DIIs

Promoter

60.45%

How has been the historical performance of Laxmi India Fin.?

17-Nov-2025

Laxmi India Fin. has shown significant growth in financial performance, with net sales increasing to 245.71 crore in March 2025 from 173.14 crore in March 2024, and profit after tax rising to 36.00 crore from 22.47 crore. The company also reported improved margins, increased equity capital, and a positive cash flow trend.

Answer:<BR>The historical performance of Laxmi India Fin. shows significant growth in various financial metrics over the past year.<BR><BR>Breakdown:<BR>In the standalone annual results for March 2025, Laxmi India Fin. reported net sales of 245.71 crore, a notable increase from 173.14 crore in March 2024. The total operating income also rose to 245.71 crore from 173.14 crore, while total expenditure increased to 198.78 crore from 143.85 crore, driven by higher employee costs and other expenses. The operating profit (PBDIT) grew to 49.26 crore from 31.17 crore, reflecting an improved operating profit margin of 19.1%, up from 16.92%. Profit before tax increased to 47.36 crore from 29.63 crore, and profit after tax rose to 36.00 crore from 22.47 crore, resulting in a PAT margin of 14.65%, up from 12.98%. The company's equity capital increased to 20.91 crore from 19.86 crore, and reserves grew to 236.98 crore from 181.87 crore. Earnings per share improved to 8.61 from 5.66, while the book value per share adjusted to 61.68 from 50.78. On the balance sheet, total assets rose to 1,412.52 crore from 984.84 crore, with total liabilities also increasing to 1,412.52 crore from 984.84 crore, primarily due to a rise in short-term borrowings. Cash flow analysis indicates a net cash inflow of 60.00 crore in March 2025, compared to a net outflow of 53.00 crore in March 2024, with closing cash and cash equivalents increasing to 102.00 crore from 42.00 crore. Overall, Laxmi India Fin. has demonstrated strong growth in sales, profits, and cash flow, indicating a positive trend in its financial performance.

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Which are the latest news on Laxmi India Fin.?

03-Dec-2025
Is Laxmi India Fin. overvalued or undervalued?
How has been the historical performance of Laxmi India Fin.?

Why is Laxmi India Fin. falling/rising?

04-Dec-2025

As of 03-Dec, Laxmi India Finance Ltd's stock price is at Rs 133.40, reflecting a 2.24% decrease and underperforming against the benchmark Sensex. The stock has seen a consecutive decline over three days, significant selling pressure, and decreased investor participation, indicating a bearish trend.

As of 03-Dec, Laxmi India Finance Ltd's stock price is falling, currently at Rs 133.40, which reflects a decrease of Rs 3.05 or 2.24%. The stock has been underperforming relative to the benchmark Sensex, with a performance today that is 1.18% lower than its sector. Over the past three days, the stock has experienced a consecutive decline, totaling a drop of 4.58%. <BR><BR>Additionally, the stock has touched an intraday low of Rs 132.3, indicating significant selling pressure. The trading activity shows that the weighted average price is closer to this low, suggesting that more volume is being traded at lower prices. Furthermore, Laxmi India Finance Ltd is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which typically signals a bearish trend. <BR><BR>Investor participation has also decreased, with delivery volume on December 2 falling by 26.07% compared to the 5-day average. This decline in trading volume can indicate waning interest among investors, contributing to the stock's downward movement. Overall, these factors collectively explain the current decline in Laxmi India Finance Ltd's stock price.

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Is Laxmi India Fin. overvalued or undervalued?

04-Dec-2025

As of December 3, 2025, Laxmi India Fin. is considered fairly valued with a PE ratio of 19.37, an EV to EBITDA of 33.41, and a ROE of 8.27%, showing lower valuation compared to Bajaj Finance but higher than Life Insurance, while underperforming the Sensex with a stock return of -9.62%.

As of 3 December 2025, the valuation grade for Laxmi India Fin. has moved from very attractive to attractive. The company is currently considered fairly valued. Key ratios include a PE Ratio of 19.37, an EV to EBITDA of 33.41, and a ROE of 8.27%. <BR><BR>In comparison to peers, Laxmi India Fin. has a PE ratio that is lower than Bajaj Finance, which is at 34.68, indicating that Laxmi may be more reasonably priced relative to its earnings. However, it is also higher than Life Insurance, which has a PE of 10.75, suggesting that there may be better value opportunities in the market. Notably, Laxmi India Fin. has underperformed the Sensex over the past month, with a stock return of -9.62% compared to the Sensex's positive return of 1.34%.

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iScoreScore
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Strong Sell
Sell
Hold
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Strong Buy
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stock-summaryMojo Parameters
Mojo Parameters
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Stock DNA
stock-summary
Industry

Non Banking Financial Company (NBFC)

stock-summary
Market cap

INR 396 Cr (Micro Cap)

stock-summary
P/E

9.00

stock-summary
Industry P/E

19

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

2.57

stock-summary
Return on Equity

8.27%

stock-summary
Price to Book

0.96

Revenue and Profits:
Net Sales:
79 Cr
(Quarterly Results - Dec 2025)
Net Profit:
10 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-38.14%
0%
-38.14%
6 Months
-47.08%
0%
-47.08%
1 Year
0%
0%
0.0%
2 Years
0%
0%
0.0%
3 Years
0%
0%
0.0%
4 Years
0%
0%
0.0%
5 Years
0%
0%
0.0%

Laxmi India Fin. for the last several years.

Risk Adjusted Returns v/s stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryNews & Corporate Actions
News
Icon
No Recent News for the Company
Announcements stock-summary

Closure of Trading Window

25-Mar-2026 | Source : BSE

Intimation of Closure of Trading Window

Announcement under Regulation 30 (LODR)-Credit Rating

20-Mar-2026 | Source : BSE

We wish to inform you that Acuite Ratings & Research Limited has upgraded the rating assigned to the Companys Non-Convertible Debentures and bank loan facilities and also assigned rating to Non-Convertible Debentures.

Announcement under Regulation 30 (LODR)-Credit Rating

10-Mar-2026 | Source : BSE

We wish to inform you that Acuite Ratings & Research Limited has reaffirmed the rating assigned to the Companys Non-Convertible Debentures and has also reaffirmed/assigned ratings to the Companys bank loan facilities.

Corporate Actions stock-summary
stock-summary
BOARD MEETING

No Upcoming Board Meetings

stock-summary
DIVIDEND

No Dividend history available

stock-summary
SPLITS

No Splits history available

stock-summary
BONUS

No Bonus history available

stock-summary
RIGHTS

No Rights history available

stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
41.90%
EBIT Growth (5y)
59.78%
Net Debt to Equity (avg)
4.42
Institutional Holding
7.92%
ROE (avg)
12.56%
Valuation key factors
Factor
Value
P/E Ratio
9
Industry P/E
19
Price to Book Value
0.95
EV to EBIT
28.50
EV to EBITDA
27.34
EV to Capital Employed
0.98
EV to Sales
5.22
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.45%
ROE (Latest)
8.27%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
Bollinger Bands
Mildly Bearish
KST
Dow Theory
Bearish
No Trend
OBV
Mildly Bearish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 9 FIIs (3.31%)

Promoter with highest holding

Hirak Vinimay Private Limited (41.61%)

Highest Public shareholder

Mukul Mahavir Agrawal (3.83%)

Individual Investors Holdings

23.86%

stock-summaryFinancial
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          "field": "Operating Profit Margin (Excl OI)",
          "val1": "32.41%",
          "val2": "34.09%",
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Quarterly Results Snapshot (Standalone) - Dec'25 - QoQstock-summary
Dec'25
Sep'25
Change(%)
Net Sales
78.83
75.67
4.18%
Operating Profit (PBDIT) excl Other Income
47.10
46.55
1.18%
Interest
34.03
33.82
0.62%
Exceptional Items
0.00
0.00
Standalone Net Profit
10.06
9.40
7.02%
Operating Profit Margin (Excl OI)
59.75%
61.52%
-1.77%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2025 is 4.18% vs 8.60% in Sep 2025

Direction Arrows
Standalone Net Profit

QoQ Growth in quarter ended Dec 2025 is 7.02% vs -3.89% in Sep 2025

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'25stock-summary
Sep'25
Sep'24
Change(%)
Net Sales
145.35
110.25
31.84%
Operating Profit (PBDIT) excl Other Income
25.56
20.08
27.29%
Interest
67.05
52.54
27.62%
Exceptional Items
0.00
0.00
Standalone Net Profit
19.18
15.28
25.52%
Operating Profit Margin (Excl OI)
17.59%
18.21%
-0.62%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2025 is 31.84% vs 50.82% in Sep 2024

Direction Arrows
Standalone Net Profit

Growth in half year ended Sep 2025 is 25.52% vs 163.45% in Sep 2024

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'25stock-summary
Dec'25
Dec'24
Change(%)
Net Sales
224.18
171.44
30.76%
Operating Profit (PBDIT) excl Other Income
72.66
58.45
24.31%
Interest
101.08
82.96
21.84%
Exceptional Items
0.00
0.00
Standalone Net Profit
29.24
21.43
36.44%
Operating Profit Margin (Excl OI)
32.41%
34.09%
-1.68%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2025 is 30.76% vs 12.84% in Dec 2024

Direction Arrows
Standalone Net Profit

YoY Growth in nine months ended Dec 2025 is 36.44% vs 35.12% in Dec 2024

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'25stock-summary
Mar'25
Mar'24
Change(%)
Net Sales
245.71
173.14
41.91%
Operating Profit (PBDIT) excl Other Income
46.93
29.29
60.23%
Interest
114.63
83.42
37.41%
Exceptional Items
0.00
0.00
Standalone Net Profit
36.00
22.47
60.21%
Operating Profit Margin (Excl OI)
19.10%
16.92%
2.18%
Values in Rs Cr.
stock-summary Compare with Peers
Net Sales

Not Applicable: The company has declared_date for only one period

Standalone Net Profit

Not Applicable: The company has declared_date for only one period

All Annual Resultsstock-summary
stock-summaryCompany CV
About Laxmi India Finance Ltd stock-summary
stock-summary
Laxmi India Finance Ltd
Micro Cap
Non Banking Financial Company (NBFC)
No Details Available.
Company Coordinates stock-summary
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No Company Details Available
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