Event Type: The document contains the transcript of an Analyst/Investor Meet held as part of the "GIA BFSI Fintech virtual half-day event" organized by Go India Advisors. This was a scheduled investor engagement session featuring management presentation and Q&A.
Event Date and Time: The meeting was held on Thursday, August 20, 2026 at 02:00 P.M. (time zone not explicitly mentioned but implied as IST).
Purpose of Event: The stated purpose was to discuss the company's journey, key growth levers, Q1 FY27 performance, and views on the road ahead. The session focused on the formalization of credit in India and Laxmi India Finance's position in secured MSME and retail lending.
Management Participants: The management team included Mr. Deepak Baid (Managing Director), Mr. Gopal Krishan Sain (Chief Financial Officer), Mr. Kuldeep Singh Sikarwar (Chief Business Officer), and Mr. Piyush Somani (Chief Treasury Officer).
Availability of Materials: The transcript of the meeting was uploaded on the company's website at <https://www.lifc.co.in/uploads/Transcript.pdf> as disclosed in the regulatory filing dated August 26, 2026.
UPSI Disclosure: The document does not explicitly state whether unpublished price sensitive information (UPSI) was or would be shared during the meeting.
Financial Highlights and Guidance
Q1 FY27 Performance:
AUM increased by 27% year-on-year to ₹1,721 crore
Disbursements increased by 38% to ₹230 crore in Q1
Net profit reached ₹16.43 crore, reflecting 70% increase
Growth Guidance: Management guided for approximately 30% CAGR growth in AUM, with specific mention of 28% growth achieved in Q1 FY27.
Business Segments and Yields:
MSME secured lending: 80-82% of portfolio, yield of 32.48%
Vehicle finance: yield of 19.87%
Wholesale lending: yield around 16%
Personal and business loans: yield approximately 14-15%
Operational Metrics:
196 branches across six states (Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh, Uttar Pradesh, Maharashtra)
Approximately 2,000 employees
Typical MSME ticket size: ₹6-6.5 lakh
Branch break-even: 7-9 months at ₹1.5-2 crore AUM
Monthly branch expenses: ₹1.5-2 lakh
Funding and Liability Management:
Cost of borrowing reduced to 10.48% from 11.73% pre-IPO
80-82% of borrowing from banks (28-29 bank lenders)
Total of 50-53 lenders
Direct assignment transactions: ₹320 crore across 10 transactions
Weighted borrowing tenor: 53 months
Asset Quality Update:
Upmoney exposure: ₹18-19 crore with 70% provision made
Bounce rate: ~30% with 93-94% closure rate
PAR 30: ~7%
Collections: above 92%
Additional Notes Section
Attachments: The regulatory filing mentions that a copy of the transcript was annexed to the submission to the exchanges.
Financial Data Disclosure: The announcement includes specific financial data from Q1 FY27 results and operational metrics as part of the meeting discussion.
Compliance: The submission was made pursuant to Regulations 30 and 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
