Laxmi India Finance Limited · NSE:LAXMIINDIA
Laxmi India Finance — Q1 FY26 Earnings Presentation
35 slides from Laxmi India Finance's earnings presentation, Aug 14, 2025
Slide 1: Exchange cover letter for Investor/Earnings Presentation
Ref. No.: LIFL/SLC/2025-26/07 Date: August 14, 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, Bandr
Slide 2: Laxmi India Finance Limited — Q1 FY26
; LAXMi INDIA FINANCE LIMITED — Q1 FY26
Slide 3: Disclaimer
DISCLAIMER This presentation has been prepared for general information purposes 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 specific objectives, suitability, financial situat
Slide 4: Key Highlights — Q1 FY26
KEY HIGHLIGHTS —Q1 FY26 €=o% - 159 Branches Across India Assets Under Management (AUM) | Profit Before Tax (PBT) + 1g Re lan (ya Zolgan) 46.78% (June 24-: Z 8.70 Cr) 14.67% (1.73%) + cl 3 4 6. O 5. 212.77 | —_—— Profit After Tax (PAT) 4. III 29.z99% 1035.53 Cr.) c 9 .6 5 45.77% t (June 24: (June 24-
Slide 5: Company history and overview
> es Founded in 1993-94 as Deepak Finance and Leasing Company (DFL) in Jaipur; initially focused on vehicle financing. 2011 - Acquired RBI-registered NBFC Laxmi India Finleasecap Pvt. Ltd.; merged DFL operations; portfolio ~¢32 Cr, 4 branches. Today — 159 branches across Rajasthan, Gujarat, MP, Chha
Slide 6: Managing Team
MANAGING TEAM Sos | 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 C. Choodan Independent Director Independent Director Independent
Slide 7: Product Profile
PRODUCT PROFILE 8 y Tractor Loan Two-Wheeler Commercial Vehicle Loan Two-Wheeler EV Loan > Ticket size: up-to Z 7 lakhs > Ticket size: up-to Z 1.5 Lakhs > Ticket size: up-to Z 10 Lakhs > Ticket size: up-to @ 80 thousand » Purpose: Transportation & > Purpose of loan: Personal use > Purpose: Transport
Slide 8: Product Mix
PRODUCT MIX Me MSME - Py BUSINESS LOAN - CONSTRUCTION LOAN MM RAJASTHAN - GUJARAT - [)) MADYA PRADESH- 76.34% 0.43% - 4.87% 80.06% 6.93% 12.57% fm =WHOLESALE LENDING, fy COMMERCIAL VEHICLE - M8) TWO WHEELERS - Mm CHATTISGARH, 1.49% 13.62% 1.27% 0.44% I) TRACTOR - PERSONAL LOAN - 1 ELECTRIC VEHICLE -
Slide 9: Laxmi Mitra App
LAXMI MITRA APP Eos YG WILL GIVE YOU THE STATUS OF FILES WHICH ARE PENDING wl 7 C +N RE eens Sts . TU , r, q a ' YOUR MOBILE NUMBER eA, 05:20 s03a 0 | le: | reer: —E————EE an gi 1491869 COMPLETED Application Status ASHBOARD PAGE a i 7 oY
Slide 10: Technologies used for lead sourcing
TECHNOLOGIES WE ARE USING IN MARKET FOR LEAD SOURCING io ‘-» Facebook Promotion ‘> Bulk Video Post \ >» Reply Recevied » Reply Recevied > Reply Recevied ‘+> Product Video Post ’» Post Sponsored ’» CRM Lead Generated -» CRM Lead Generated Lead create on CRM Lead create on CRM 6 8B > Lead Generated an
Slide 11: Lead sourcing: messaging, IVR and Laxmi Loan On Wheel
ok >) ee [ [ +» Bulk Message +» Pre-recorded audio -» Customer calls recevied Laxmi Vahan arrived vwvoewvwvvv calls to get customer on toll free number +» Reply Recevied People gathered interest )» Call attended by cus- ‘> Lead Generated Lead )» Confirmation callon tomer service person Information g
Slide 12: Key Milestone
Greet C4 Ww bad Rey A * ea KEY MILESTONE yl a ol ilale Bw elt 2023 Rating “A-” 3 2024 Rating “A-" 2025 Rating “A-” i AUM crossed € 531.60 crore. » Appointment of Mr. Yaduvendra » AUM stood at ¢ 961.37 crore A- postive outlook Up gradation of External Credit Rating Mathur as Independent Director. » U
Slide 13: Why Us?
WHY US? Strong Promoter Base - 2112.79 Cr fresh equity infusion; 23% portfolio from own capital & profits; strong net worth vs peers. 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 ref
Slide 14: Shareholding Pattern
DS SHAREHOLDING PATTERN Fsuerexo.oens [NOOrSHARES] | | PREM 3.38% 0, DEVI BAID li PREM DEALERS PRIVATE LIMITED 2.58% = : Peery | Peace W@ OTHER SHAREHOLDER eT ee | PETA Ways m DEEPAK HITECH 12.26% MOTORS PVT LTD 6.70% Prem Dealers Private Limited _| Ee FE ! Fy ares Tek ™ =| Mi ANEESHA BAID ' * 5.41%
Slide 15: Balance Sheet
ov >) > beheal BALANCE SHEET AMOUNT IN CRORES JUN-24 MAR-24 PARTICULARS ie aE 8) AUDITED aan WB) TOTAL CASH & BANK BALANCE LIQUID INVESTMENT 15.96 58.00 92.92 50.56 102.43 76.18 42.27 42.72 95.28 46.14 NET-WORTH TOTAL LIQUIDITY 73.96 143.48 178.61 84.99 141.42 ENCUMBERED FD (AGAINST BORROWING) 40.55
Slide 16: Profit & Loss Statement
PROFIT & LOSS STATEMENT JUN-25 JUN-24 PARTICULARS | ee bit WB AUDITED RESTATED RESTATED REVENUE FROM OPERATION INTEREST INCOME 67.10 47.94 231.31 164.79 124.82 FINANCE COST 33.23 24.06 14.63 83.42 62.86 NET INTEREST MARGIN 33.86 23.88 116.69 81.37 61.96 OTHER INCOME 2.98 3.31 16.73 10.23 5.85 REMUNE
Slide 17: Asset Quality
ASSET QUALITY AMOUNT IN CRORES JUN-25 JUN-24 MAR-25 eee MAR-23 PARTICULARS LIMITED REVIEW RESTATED AUDITED RESTATED RESTATED STAGE 1 ASSETS 1149.86 858.13 1086.47 780.14 552.53 STAGE 2 ASSETS 56.86 40.86 41.59 34.22 16.99 STAGE 3 ASSETS 15.59 9.65 12.18 5.97 3.33 GROSS STAGE 3 % 1.28% 1.06% 1.07% 0.
Slide 18: Key Indicators: NIM, ROTA, ROE
KEY INDICATORS RETURN ON TOTAL ASSETS NET INTEREST MARGIN (NIM) (%) (ROTA) (%) RETURN ON EQUITY (ROE) (%) 3.0 3.00 20 12 2.75 9.73 953 9.27 250 2.57 15.66 , 14.67 1 12.94 12.80 ; 11.51 10 5 ilk 0 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23
Slide 19: Key Indicators: cost of borrowings, yield, CRAR
KEY INDICATORS AVG. COST OF BORROWINGS (%) YIELD ON AVG. PORTFOLIO (%) CRAR (%) 14 25 25 23.09 12.06 12.24 21.89 21.74 21.92 21.8] 122 11.82 1149 12.02 20.87 21.34 20.28 20.82 20.80 | 20 10 8 15 10 5 5 0 0 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR
Slide 20: Key Indicators: interest coverage, debt/equity, liquidity
KEY INDICATORS os INTEREST COVERAGE RATIO GROSS DEBT / EQUITY LIQUIDITY (= CR) 200 435 4.42 178.61 4.13 § 138 136 Il4! 136 150 143.48 141.42 1.35 10 0 73.96 84.99 j iil | | JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 LIMITED RESTATED AUDIT
Slide 21: Key Indicators: AUM and credit cost
KEY INDICATORS AUM (2 CR) CREDIT COST (% CR) CREDIT COST (%) 12 11.89 1.2] 1.2 1400 1346.05 1277.02 1200 10 10 1035.53 1000 ) 961.37 0.8 800 686.77 06 0.58 600 400 0.32 0.27 1.88 1.64 200 2 NW yas 0 a | JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24 MAR-23 JUN-25 JUN-24 MAR-25 MAR-24
Slide 22: Product Wise AUM Growth
Ia PRODUCT WISE AUM GROWTH AMOUNT IN CRORES GROWTH PRODUCT WISE QIFY 2026 QIFY 2025 (QIFY 26- MAR-25 MAR-24 QIFY 25) MSME/CONSTRUCTION 132.17 834.22 35.72% 1037.00 764.31 574.76 VEHICLE 183.60 180.76 1.57% 205.88 176.44 94.98 BL/PL 13.37 20.56 -34.98% 15.15 20.61 17.03 WHOLESALE 16.91 100.00% 18.98
Slide 23: Structural Liquidity Statement as on 30th June 2025
TaN \ bes STRUCTURAL LIQUIDITY STATEMENT AS ON 30TH JUNE 2025 @ Cumulative Inflow (= Cr) @ Cumulative Outflow (= Cr) 1392.59 1392.59 1400 1344.78 1200 1124.62 1060.35 1012.26 1000 80 O 60 0 497.03 sens) 40 Oo loa ee 20 144,47 Oo 29.11 23.17 35.18 25.86 quam ——, eee — | Oo 1D-7D 8D-14D 15D-30D 1M- NT
Slide 24: Financial Performance
FINANCIAL PERFORMANCE 100 8 QL FY 26 QI FY 26 49000 ad 30000 20000 10000 QLEY 26
Slide 25: Undrawn Sanctions as on June 30, 2025
UNDRAWN SANCTIONS AS ON JUNE 30,2025 Bank/NBFC/FI’s Amount (In Crores) Banks ( No. of Banks —4) 95.00 NBFC’s ( No. of NBFC’s —2) 30.00 Total Undrawn Amount 125.00 y
Slide 26: Cost of Borrowing
COST OF BORROWING Koo 12.30% 12.20% (12.24% | 12.10% 12.06% | | 12.02% | 12.00% 11.90% | 11.82% 11.80% Outlook is revised by Acuite from “Stable” to “Positive” Reason for reduction in cost of fund:- - Incline towards getting more/substantial funding from PSB / Private bank. - Optimum resources mix o
Slide 27: Leverage Positions
LEVERAGE POSITIONS
Slide 28: Capital Adequacy Ratio
CAPITAL ADEQUACY RATIO 24.00% | 23.09% Di i_._ —-=} ' . Sf LL ZOE) 20.28% 21008 (21.81% | = xX 18.00% 15.00% —— — —- FY-23 FY-24 FY 25 Qi FY 26
Slide 29: Gross Stage 3 Movement
GROSS STAGE 3 MOVEMENT Eon
Slide 30: Our Lenders: public and private banks
OUR LENDERS Hoel dH Weiee cc Canara Bank © Indian Bank Union Bank of india r= Co CkArd ial OTE S$ i Bank of Maharashtra ea uae om das Indian Overseas Bank See De ee Ry Honours Your Trust Private Banks (7) GCSBBank Formerly The Catholic Syrian Bank Ltd kotak Kotak Mahindra Bank DCB BANK FEDERAL BANK
Slide 31: Our Lenders: small finance banks, NBFCs and FIs
OUR LENDERS Small Finance Banks (7) ©) Fale) SMALL FINANCE BANK Capital Small Finance Bank $% fad ESAF ESAF SMALL FINANCE BANK Utkarsh Small Finance Bank bed | SURYODAY A BANK OF SMILES Jana Small Finance Bank likno apni kahaant equibas Equitas Small Finance Bank NBFC & Fis (21) POONAWALLA PINANCIAL
Slide 32: Our Lenders
OUR LENDERS > HeroHousing Protium faset BAJAJ FINSERV Finance FINANCE sidbi IKF + v TATA CAPITAL NORTHERN Count on us FINANCE ARC ae STCI Finance Limited © CAPITALINDIA Rediscover Business NABKISAN FINANCE LIMITED {a subsidiary of NABARD)
Slide 33: Top 20 Lenders - Q1 FY26
Great Work. * Sie TOP 20 LENDERS -Q171 FY 26 Bank's (10) AMOUNT IN CRORES Other than Bank's (10) AMOUNT IN CRORES , O/s Contribution (%) © Lender’s Name reyks Contribution (%) | | Lender’s Name 30" June 25 30 June 25 ] State Bank of India 95.71 8.67% l Northern Arc capital 99.81 9.04% 2 IDFC FIRST B
Slide 34: CSR Activities
Slide 35: Thank You!
THANK YOU! For Your Attention } id = miter ATT 2, DFL, Gopinath Marg, M.|. Road, Jaipur-302001 Phone: 0141- 4031166 Website: lifc.co.in