Laxmi India Finance LimitedQ1 FY27 Results & Financial Update
Laxmi India Finance Limited: Q1 FY27 standalone results and company financials – revenue ₹93.50 Cr, PAT ₹16.57 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
Quarter at a glanceCurrent reported figures.Change figures appear when a comparable reported period is available.
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Quarterly Results AnalysisExplore Laxmi India Finance Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
For the first quarter of fiscal year 2027, ended 30 June 2026, Laxmi India Finance recorded total revenue from operations of INR 93.50 crore on a standalone basis.
Total income for the period stood at INR 93.92 crore, bolstered by interest income of INR 85.44 crore supplemented by INR 0.43 crore of other income.
The company's financing activities required a finance cost outflow of INR 38.38 crore, representing a key operating expenditure item during the quarter.
Profit before tax (PBT) for Q1 FY27 was reported at INR 21.91 crore after accounting for depreciation of INR 0.60 crore and other operational expenses.
Tax expenses for the quarter amounted to INR 5.34 crore, leading to a net profit after tax (PAT) of INR 16.57 crore and an earnings per share (EPS) of INR 3.16.
The resulting profit after tax margin for the quarter stood at approximately 17.73% relative to total income.
Laxmi India Finance Limited reported total revenue from operations of INR 93.50 crore for the quarter ended June 30, 2026, alongside total income of INR 93.92 crore on a standalone basis.
Core interest income formed the bulk of the top-line performance, contributing INR 85.44 crore during the period, while other income added INR 0.43 crore.
01 · Business model
What does Laxmi India Finance do?
Laxmi India Finance Limited operates as a non-banking financial company (NBFC) in India, delivering credit and lending solutions to retail and underserved borrowers.
The company's core economic model centers on interest-earning assets, generating revenue primarily through interest income from loans alongside other auxiliary financial streams.
Funding operations involve mobilizing capital through borrowings and financial debt instruments, incurring direct finance costs to sustain loan disbursements and expansion.
02 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹93.92 Cr |
| Interest income | ₹85.44 Cr |
| Other income | ₹0.43 Cr |
| Profit before tax | ₹21.91 Cr |
| Profit after tax | ₹16.57 Cr |
| EPS | ₹3.16 |
03 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Interest income contributed INR 85.44 crore to the top line, forming the primary engine of quarterly revenue.
Other income added INR 0.43 crore, bringing total income to INR 93.92 crore alongside core operations.
Interest income reached INR 85.44 crore, forming the primary driver of the company's INR 93.50 crore operational revenue for Q1 FY27.
Other income contributed a modest INR 0.43 crore to the total income of INR 93.92 crore during the quarter.
NIM, spread, funding cost and credit cost
Borrowing and interest expenses stood at INR 38.38 crore, representing a major claim on incoming revenue.
Tax outlays of INR 5.34 crore moderated operating earnings down to a net profit of INR 16.57 crore.
Depreciation and amortisation charges accounted for INR 0.60 crore during the quarter.
Finance costs stood at INR 38.38 crore for the quarter, reflecting the cost of borrowings required to fund the lending portfolio.
Depreciation and amortisation expenses were recorded at INR 0.60 crore, representing a minor component of fixed overheads.
Tax expenses of INR 5.34 crore were provisioned against a PBT of INR 21.91 crore, leading to a PAT of INR 16.57 crore and a net profit margin of approximately 17.73%.
04 · Reported developments
What changed operationally
The company maintained a positive net profit of INR 16.57 crore for the quarter with a PAT margin of 17.73%.
05 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
The company sustained an aggregate finance cost of INR 38.38 crore during the quarter to support its funding lines and capital requirements.
06 · Key Q&A
The quarter, answered directly
What does Laxmi India Finance do?
Laxmi India Finance Limited operates as a non-banking financial company (NBFC) in India, delivering credit and lending solutions to retail and underserved borrowers.
What is the clearest takeaway from Q1 FY27?
For the first quarter of fiscal year 2027, ended 30 June 2026, Laxmi India Finance recorded total revenue from operations of INR 93.50 crore on a standalone basis.
What drove earnings or loan-book movement?
Interest income contributed INR 85.44 crore to the top line, forming the primary engine of quarterly revenue.
What mattered most for margins, funding or credit cost?
Borrowing and interest expenses stood at INR 38.38 crore, representing a major claim on incoming revenue.
What should the next disclosure help confirm?
Monitor upcoming regulatory filings for sequential loan book expansion, asset quality metrics, and cost of borrowing trends in Q2 FY27.
07 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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08 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
Subsequent Quarter Disclosures: Monitor upcoming regulatory filings for sequential loan book expansion, asset quality metrics, and cost of borrowing trends in Q2 FY27.
- 02
Subsequent Quarter Filings: Monitor forthcoming financial disclosures to track sequential revenue trends, loan book expansion, and asset quality metrics in future quarters.
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