Laxmi India Finance Limited · NSE:LAXMIINDIA
Laxmi India Finance — Q2 FY26 Earnings Presentation
29 slides from Laxmi India Finance's earnings presentation, Nov 18, 2025
Slide 1: Exchange filing cover letter
Ref. No.: LIFL/SLC/2025-26/28 Date: November 18, 2025 To, To, Listing Compliance Department Listing Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street Exchange Plaza, C-1, Block G, Mumbai – 400 001(Maharashtra) Bandra Kurla Complex, Ban
Slide 2: Quarterly Report Q2 FY26
| Quarterly Report | Q2 FY26
Slide 3: Disclaimer
DISCLAIMER This presentation has been prepared for general information purpases in respect of Laxmi India Finance Limited (‘Company’) together with its subsidiaries, as applicable (together, with the Company, the "Group*) only, without regard to any spe~ cific objectives, suitability, nancial situat
Slide 4: Key Highlights — Q2 FY26
KEY HIGHLIGHTS — Q2 FY26 | en) 164 Branches Across India el Branches I Rajasthan - 93 BE Gujarat - 24 lm Madhya Pradesh ~ 37 Chhattisgarh - 4 i Uttar Pradesh - 6 Assets Quality ' Gross NPA 1.59% Net NPA 0.84% PCR 47.22% Assets Under Management (AUM) 1386.49 Cr. 225.54 ma 24.75% Profit After Tax (PAT
Slide 5: Company Overview
COMPANY OVERVIEW &S Tech-enabled Operations Centralised control from Jaipur HQ with online LMS & LOS systems for efficiency and scalability. Diverse Portfolio Secured MSME/SME Loans, Mortgage Loans, Business Loans, LAP, Personal Loans, Commercial & Non-Commercial Vehicle WW] Loans, Tractor Loans, Tw
Slide 6: Key Milestone
KEY MILESTONE 2022 Rating “A-” 2023 Rating “A-” 2024 Rating “A-” 2025 Rating “A-” AUM crossed @ 531.60 crore. Up gradation of External Credit Rating evaluated by Acuite from “BBB+” to “A-" witha Stable Outlook. Net-worth stood at € 127.42 Crore Fifth off book transaction - % 38.86 crore On boarded n
Slide 7: MD's Words on Q2 FY26
MD'S WORDS ON @2 FY26 &= MR. DEEPAK BAID Managing Director Q2 FY26 has been a defining quarter for Laxmi India Finance. We continued our disciplined growth journey while strengthening the company’s fundamentals across every parameter. Our AUM crossed 21,386.49 crores, reflecting the trust our custom
Slide 8: Managing Team
MANAGING TEAM &= MR. DEEPAK BAID MRS. ANEESHA BAID MRS. PREM DEVI BAID MR. ANIL PATWARDHAN Managing Director Whole Time Director Whole Time Director Independent Director MR. BRIJ MOHAN SHARMA MR. SURENDRA MEHTA MR. KALYANARAMAN Independent Director Independent Director c. CHOODAN Independent Directo
Slide 9: Financial Performance
FINANCIAL PERFORMANCE Revenue (incr) Net Interest Income (NII) (incr) 4072” "248.04 a 2% — 116.69 — 4 C0 fle 176.22 a 146.30 “ease 58 ne 129.5 — 61.92 1.38 | 48: 94 FY 23 FY 24 FY 25 HI FY25 HIFY26 FY 23 FY 24 FY 25 HIFY25, HIFY26 ing Expense (incr) Profit After Tax (PAT) (incr) note — 7416 co —* 35
Slide 10: Financial Performance
FINANCIAL PERFORMANCE &S Debt Equity Ratio ) ( Capital Adequacy Ratio (%) ) 31.90% 23.10% 41 21.88% 21.83% | | I | FY 23 FY 24 FY 25 HI FY25 HIFY26 FY 23 FY 24 FY 25 HIFY25. HI FY26 ( Interest Coverage Ra nin FY 23 FY 24 FY 25 HI FY25. HIFY26
Slide 11: Financial Performance
FINANCIAL PERFORMANCE Increasing Branch Network ) ‘Own Branch 8 —— = = wb FY 23 FY 24 FY 25 HIFY 26 26.82% — 719 31 FY 23 FY 24 FY 25 HI FY 26 FY 23 FY 24 FY 25 HI FY 26 FY 23 FY 24 FY 25 HI FY 26
Slide 12: Financial Performance
FINANCIAL PERFORMANCE &S 15.62% se 435.16 ge 13.94% 2 957.89 9 236.85 cA 201.78 11.43% 152.75, 11.00% | FY 23 FY 24 FY 25 HIFY25 HI FY26 FY 23 FY 24 FY 25 HIFY25. HI FY26 M = ons off BookAUM wo Off Book AU @ On Book Ml Off Book Tit FY 23 FY 24 FY 25 HI FY25. HIFY26
Slide 13: Profit & Loss Statement
PROFIT & LOSS STATEMENT &S Amount in Crores PARTIC SEPT-25 SEPT-24 JUNE-25 MAR-25 MAR-24 Total Revenue 146.30 111.38 70.08 248.04 176.22 Expenses 118.10 90.99 57.31 200.68 146.89 Finance Cost 67.05 52.54 33.23 114.63 84.55 Operating Cost 46.72 3414 22.37 74.16 60.39 Impairment cost 432 432 171 1.89
Slide 14: Balance Sheet Statement
BALANCE SHEET STATEMENT PARTICULA' Assets Financial Assets Loans Other Financial Assets Non-Financial Assets Total Assets Liabilities Financial Liabilities Debt Securities (Inc. Sub-Debt) Borrowings Other Financial Liabilities Non FinancialLiabilities Total Liabilities Equity Equity Share capital Ot
Slide 15: Key Indicators
KEY INDICATORS | en) NET INTEREST MARGIN (NIM) RETURN ON TOTAL ASSETS (ROTA) RETURN ON EQUITY (ROE) 10.88% 10.47% 10.43% 10.14% 9.55% Sept-25 Sept-24 — June-25 = Mar-25— Mar-24 limited Review Audited Limited Review Audited Audited 2.98% 2.78% 2.74% 2.56% 2.52% Sept-25 Sept-24— June-25 = Mar-25 = Mar
Slide 16: Key Indicators
KEY INDICATORS AVG. COST OF BORROWINGS YIELD ON AVG. PORTFOLIO CRAR (%) 11.98% 1.73% 1.48% 11.33% 11.10% Sept-25 Sept-24 — June-25— Mar-25. Mar-24 limited Review Audited Limited Review Audited Audited 22.18% 21.89% 21.77% 21.68% 20.85% Sept-25 Sept-24— June-25 = Mar-25 = Mar-24 Limited Review Audite
Slide 17: Key Indicators
KEY INDICATORS INTEREST COVERAGE RATIO GROSS DEBT/ EQUITY GNPA (IN %) 141 1.39 1.38 1.38 1.35 Sept-25 Sept-24 — June-25— Mar-25. Mar-24 limited Review Audited Limited Review Audited Audited 44) 4.21 413 3.87 2.57 Sept-25 Sept-24— June-25 = Mar-25 = Mar-24 Limited Review Audited Limited Review Audite
Slide 18: Key Indicators
KEY INDICATORS &= NNPA (IN %) LIQUIDITY (= IN CRORE) AUM (2 IN CRORE ) 0.84% 197.58 1386.49 1346.05 0.67% 178.62 1277.02 0.48% 0.43% 166.34 1.38 961.37 0.33% 79.68 73.96 Sept-25 Sept-24 — June-25— Mar-25. Mar-24 Sept-25 Sept-24— June-25 = Mar-25 = Mar-24 Sept-25 Sept-24. — June-25 = Mar-25— Mar-24 l
Slide 19: Key Indicators
KEY INDICATORS CREDIT COST (% IN CRORE) CREDIT COST (%) 11.89 1.20% 0.94% 432 — 0.72% 0.58% 1.95 0.28% il Sept-25 Sept-24 June-25 Mar-25, Mor-24 Sept-25 Sept-24 June-25 Mar-25 Mar-24 Limited Review Audited Limited Review Audited Audited Limited Review Audited Limited Review Audited Audited
Slide 20: Our Expected Growth Trajectory
OUR EXPECTED GROWTH TRAJECTORY BM Reverue inc Increasing Branch Network (nos) ey ees 176.22 I ] i Fy 23 FY 24 FY 25 FY 28 Fy 23 FY 24 ) wee . 36,568 eee 23,906 16851 | 687 il FY 25 FY 28 | Fy23 FY 28 busrement Growth (incr)
Slide 21: Product Profile
PRODUCT PROFILE ; =, Ticket size : up-to @ 7 lakhs Purpose : Transportation & commercial use. Security : Vehicle ~~ Ticket size : up-to @ 1.5 Lakhs Purpose of loan : Personal use Security : Vehicle ial Vehicle Loan Ticket size : up-to #10 Lakhs Purpose : Transportation & Commercial use Security : Ve
Slide 22: Portfolio Concentration for Q2 FY26
PORTFOLIO CONCENTRATION FOR @2 FY - 26 &= (— Product Mix (AUM) >» (— Geographic Presence (AUM) Y NY Wi MsMe @ Business Loan Construction Loan Rajasthan WS Gujarat WB Madya Pradesh 80.35% 0.29% 5.13% 81.28% 6.25% 1.65% GH Wholesale lending Commercial vehicle fi) Two Wheelers BB Chattisgarh [Gi uttar
Slide 23: Laxmi Mitra App
LAXMI MITRA APP <> Pending will give you the status of files which are pending Login Page Files which are completed Tap on register and enter your mobile number Dashboard Page Under process means files in credit or in legal process Files rejected due to negative area, CIBIL score etc. Total earning
Slide 24: Our Lenders
OUR LENDERS Clu - oOSBI Canara Bank Union Bank Bank of Baroda @ be! BANK Private pants (8) > kotak FEDERAL IK B. @CSBBank Kotak | DCB BANK FEDERAL BANK Z INDIAN Bank
Slide 25: Our Lenders
OUR LENDERS Small Finance Banks (7) Je AU an To ESAF BANK ESAF SMALL FINANCE BANK — Utkarsh Small Finance Bank = SURYODAY eee = equibas A BANK OF SMILES Equitas Small Finance Bank likho apni kahaan NBFC & Fis (20) . c= © Pipe = ARKA HINDUJA LEYLAND FINANCE F | &§} Chola Zo1Ko NABKISAN FINANCE LIMITE
Slide 26: Our Lenders
OUR LENDERS BS 5 ; ef feet By iecigerns — Protium sidbi ANANDRATHI IKF [7 FINANCE BAJAJ FINSERV y + N@RTHERN ARC fo) CAPITALINDIA Rediscover Business
Slide 27: Why Us?
te) WHY US? Digital-First Operations 10+ tech tools incl. Tab-based LOS, Synofin LMs/LOS, Synno CRM; reduced TAT, automated workflows, CKYC, and NPA management. Laxmi Mitra referral app This app enables real-time tracking and minimal acquisition cost. Experienced Team 1,660+ employees with leadershi
Slide 28: Shareholding Pattern
SHAREHOLDING PATTERN GS CATEGORY AS ON SEPTEMBER 30, 2025 No. of No. Shareholder of Shares unt A. Promoter & Promoter Group, 9 3,15,97,568 |15,79,87,840| 60.45% B. Other Shareholders ~Public 33090 2,06,70,307 |10,33,51,535 | 39.55% Alternative Investment Fund (AIF) 9 24,587,622 | 1,22,88,10 470% NBF
Slide 29: Thank You!
Thank You! Contact Us Laxmi India Finance Limited 2, DFL, Gopinath Marg, M.|. Road, Jaipur-302001 @ Phone: 0141-4031166 © Website: lifc.co.in ‘ZS es