Analysts/Institutional Investor Meet/Con. Call Updates

Ref. No.: LIFL/SLC/2026-27/30 Date: August 17, 2026 To, To, Listing Compliance Department L i s t i n g C ompliance Department BSE Limited N a t i o n a l Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street E x c h a n g e Plaza, C-1, Block G, Mumbai – 400 001(Maharashtra) B a n d r a Kurla Complex, Bandra (East) Scrip Code: 544465 M u m b a i -400051(Maharashtra) Symbol: LAXMIINDIA Sub.: Transcript of Earnings Call with analysts and investors for the quarter ended June 30, 2026 Dear Sir / Madam, In continuation to our letters dated August 05, 2026, August 12, 2026 and August 13, 2026, we hereby inform you that pursuant to Regulations 30 and 46 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, the transcript of the Earnings Call with analysts and investors held on Thursday, August 13, 2026 at 12:00 P.M. in relation to the Unaudited Financial Results of the Company for the quarter ended June 30, 2026, has been uploaded on the website of the Company. The same can be accessed at the following link: https://www.lifc.co.in/uploads/LICF%20Q1_27%20Earnings%20Transcript.pdf A copy of the transcript is annexed herewith. This is for your information and appropriate dissemination. Thanking you, Yours faithfully, For Laxmi India Finance Limited (Formerly known as Laxmi India Finance Private Limited) Sourabh Mishra Company Secretary & Chief Compliance Officer M. No.: A51872 “Laxmi India Finance Limited Q1 FY27 Earnings Conference Call” August 13, 2026 MANAGEMENT: MR. DEEPAK BAID – MANAGING DIRECTOR – LAXMI INDIA FINANCE LIMITED MR. GOPAL KRISHAN SAIN – CHIEF FINANCIAL OFFICER – LAXMI INDIA FINANCE LIMITED MR. PIYUSH SOMANI – TREASURY HEAD – LAXMI INDIA FINANCE LIMITED MR. KULDEEP SINGH – CHIEF BUSINESS OFFICER – LAXMI INDIA FINANCE LIMITED MR. SANJAY OJHA –NATIONAL HEAD-COLLECTION – LAXMI INDIA FINANCE LIMITED Page 1 of 13 Laxmi India Finance Limited August 13, 2026 Moderator: Ladies and gentlemen, good day and welcome to Laxmi India Finance Limited Q1 FY27 Earnings Conference Call hosted by Go India Advisors. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on a touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Deepak Baid, Managing Director, Laxmi India Finance Limited. Thank you and over to you, sir. Deepak Baid: Good afternoon everyone. And thank you for joining us for Laxmi India Finance Limited Q1 FY27 Earning Call. On behalf of entire management team, I would like to welcome our investors, analysts, lending partners, and the stakeholders. Joining me today are Mr. Gopal Krishan Sain, our Chief Finance Officer, Mr. Piyush Somani, who Heads our Treasury function, Mr. Kuldeep Singh, our Chief Business Officer, and Mr. Sanjay Ojha, who heads Collection. I would like to begin to saying that quarter 1 2027 has been a strong start to the year of Laxmi India Finance. The quarter reflects continued momentum across the business with healthy growth in our loan book and disbursements, improvement in margins and profitability, further strengthening of our liability franchise as well as capitalized balance sheet. At the same time, we remain conscious that as we scale, maintaining the quality of our portfolio and discipline our underwriting will remain the most important priority for us. Our asset under management stood at INR1721.7 crores as on Q1 '27, representing a growth of 28% year-on- year. Our own book increased by 31.7% to INR1626.9 crores. Disbursement during the quarter stood at INR232 crores compared with INR166 crores in Q1 FY26. Reflecting continued healthy business momentum, our MSME franchise remain the core of our business with MSME AUM of approx INR1,395 crores at the end of the quarter. Our customer base also expanded to approx 43,946 customers, while our branch network increased to 194 branches across six states. The expansion of the network continues to be supported by our cluster based approach with a focus of building density in our existings market with selectively entering new geographies. We remain particularly focused on semi urban and rural market across Rajasthan, Madhya Pradesh, Gujarat, Chhattisgarh, Uttar Pradesh and Maharashtra, where we continue to see meaningful opportunity to serve underserved MSME and self-employed borrowers. The quality of growth is also reflected in our financial performance. Net interest income increased by 39% on year to year to INR47.1 crores. Profit before tax increased by approx 72% to INR21.9 crores, while profit after tax increased by approx 70% to Page 2 of 13 Laxmi India Finance Limited August 13, 2026 INR16.4 crores. Importantly, our ROA improved to 3.45% from 2.75% as compared to year to year. Our NIM expanded to 11.36% compared with 10.43% a year ago. The improvement has been achieved despite of broadly stable portfolio yield, with the key driver being the continued improvement in our funding cost. Our average cost of borrowing declined by 67 bps point year to year to 10.66%. This is an important area of progress for a company. Over the last several quarters, we have been steadily strengthening our lenders relationship, improving our borrowing mix and increasing our access to bank funding. We believe the benefit of this strengthening liability franchise will continue to support our margins and profitability as the business scale. Our net worth stands for net worth stands for INR482.8 crores as on June 30, 2026, while our capital adequacy ratio remain stronger at 25.32% with Tier 1 capital adequacy at 24.82%. Our debt to equity ratio stood at 3.1 times and on net basis after considering the liquidity position net debt to equity is 2.57 times. We also maintain the liquidity approx INR255.9 crores at the end of the quarter. Our ALM position continue to remain comfortable with cumulative surplus across maturity buckets. On the borrowing side, the quality of our lender franchise continue to improve. During quarter 1 we have raised approx INR296 crores of borrowing with banks accounting for more than 84% incremental borrowing. We have added new banks like ICICI at a very cheaper price, best price in fact I can say, and during this quarter. The increasing participate of from banks together with our diversified lender base and improved credit rating from A minus to A is an important validation of the institute strengthening we have built over the last few years. Let me now address asset quality. We remain -- which remains one of our key priorities as we grow. Our gross NPA stood for 2.08% and net NPA stood for 0.93% as on June 30, 2026. Importantly, both matrix improved sequently from March 2026 level. Stage 2 asset almost moderate during the quarter and at the same time, credit cost of the quarter was INR3.69 crores or you can say 0.95% compare with 0.58% in Q1 FY26. The increase was primarily attributed to our vehicle financing portfolio. We have started monitoring the segment closely while our core MSME and construction portfolio continues to show the more moderate credit cost profile. Our overall portfolio remains secured and a underwriting framework continues to combine centralized credit assessment with local market knowledge, physical verification, collateral assessment, and cash flow evaluation. Collection also remains highly branch led and field intensive with a strong focus on early identification of stress and proactive engagement with borrowers. We believe this combination of secured lending, conservative underwriting and localized collection provide us with a strong foundation to manage portfolio quality as we scale. Our strategy for FY27 remains unchanged. We intend to continue growth the business at the calibrated and profitable pace while [Showing first 8,000 characters — download PDF for full document]