Laxmi India Finance reported strong Q1 FY27 results: AUM grew 27% to ₹1,721 Cr, disbursements up 38% to ₹230 Cr, and profit surged 70% to ₹16.43 Cr.

GNPA stood at 2.08%, or 0.83% excluding the one-off Upmoney issue.

The company reduced its borrowing cost to ~10.48% and plans further reduction.

Management aims for 30% AUM CAGR, driven by MSME lending (80-82% of book) and expanding its 196-branch network with 30-35 new openings this year across six states.

Focus remains on robust underwriting with secured loans and digital processes.

New product exploration includes digital personal loans.

Leadership is confident in sustained growth and asset quality.