Laxmi India Finance Limited
NSE: LAXMIINDIA · Non Banking Financial Company (NBFC)
Snapshot
Unlock Laxmi India Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Laxmi India Finance Limited is a non-banking financial company (NBFC) that provides a diverse range of credit products to individuals, businesses, and institutions. Its portfolio includes MSME, wholesale, business, personal, and residential construction loans, alongside various vehicle financing options.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan book, which spans retail and commercial segments. It operates as a financial intermediary, leveraging its 1996 incorporation to serve clients across India from its base in Jaipur.
- Incorporation Year:1996
Growth Outlook
Growth is expected to be driven by the expansion of its MSME and vehicle financing portfolios, particularly in the emerging electric vehicle segment. The company continues to focus on deepening its penetration within the Indian credit market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their MSME, personal, or vehicle loan obligations.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and cost of funds.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Economic Cyclicality. Demand for credit, particularly in the commercial and vehicle segments, is sensitive to broader economic conditions in India.
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Key Metrics
P/E
12.0x
Q1 FY27 · standalone
NET PROFIT MARGIN
17.7%
Q1 FY27 · standalone
DEBT TO EQUITY
3.1%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Laxmi India Finance LimitedLAXMIINDIA | ₹695 Cr | 12.02 | — | — | — | 12.1% | — | -19.6% |
Aryaman Financial Services LimitedARYAMAN | ₹760 Cr | 19.47 | — | -46.9% | — | 27.0% | — | -18.3% |
Yogi LtdYOGI | ₹736 Cr | 33.91 | — | — | — | 17.8% | — | -11.2% |
India FinsecIFINSEC | ₹692 Cr | 18.39 | — | 19.1% | — | 17.8% | — | +55.9% |
Manba FinanceMANBA | ₹648 Cr | 13.27 | — | 31.7% | — | 12.6% | — | -7.1% |
Niyogin FintechNIYOGIN | ₹640 Cr | -383.47 | — | -19.3% | — | -0.9% | — | -16.6% |
As of Q1 FY27
Financials
Laxmi India Finance Limited
NSE: LAXMIINDIA · Non Banking Financial Company (NBFC)
Snapshot
Unlock Laxmi India Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Laxmi India Finance Limited is a non-banking financial company (NBFC) that provides a diverse range of credit products to individuals, businesses, and institutions. Its portfolio includes MSME, wholesale, business, personal, and residential construction loans, alongside various vehicle financing options.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan book, which spans retail and commercial segments. It operates as a financial intermediary, leveraging its 1996 incorporation to serve clients across India from its base in Jaipur.
- Incorporation Year:1996
Growth Outlook
Growth is expected to be driven by the expansion of its MSME and vehicle financing portfolios, particularly in the emerging electric vehicle segment. The company continues to focus on deepening its penetration within the Indian credit market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on their MSME, personal, or vehicle loan obligations.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and cost of funds.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Economic Cyclicality. Demand for credit, particularly in the commercial and vehicle segments, is sensitive to broader economic conditions in India.
Start your research today
Unlock AI insights, financials, peers and live data on Laxmi India Finance Limited and 5,000+ companies — free.
Key Metrics
P/E
12.0x
Q1 FY27 · standalone
NET PROFIT MARGIN
17.7%
Q1 FY27 · standalone
DEBT TO EQUITY
3.1%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27