
About Vidya Lakshmi
Vidya Lakshmi is a publicly listed company based in Mumbai (India) founded in 2015. It operates as an a web-based portal that simplifies education loan applications for students and institutions. It operates on a B2C model. The company has 710 employees. Its website vidyalakshmi.co.in draws about 76 thousand monthly visits. Its Indian entity Protean Egov Technologies Limited reported revenue of βΉ909 Cr. Its focus areas include Finance and Education, Fintech, Loan Applications and Education Loans. Its competitors include Auxilo, Eduvanz, GradRight, GyanDhan and Propelld and 4 more; 8 of its 9 listed competitors have raised funding.
Company details
Vidya Lakshmi a web-based portal that simplifies education loan applications for students and institutions through finance and education, fintech, loan applications, and education loans. Prioritizing client-centric approaches, it ensures high-quality outcomes, innovation, and sustainable practices in its field. It continues to evolve, meeting industry challenges with strategic approaches.
- Headquarters Mumbai, India
- Employees 710
- Stage Public
- SectorsFinancial Services
- Website vidyalakshmi.co.in
- Social X Facebook
- Legal Name Protean Egov Technologies Limited
- Date of Incorporation 27 Dec, 1995
- Jurisdiction Mumbai, Maharashtra, India
- Market Cap₹2,518 Cr
PROTEAN · NSE
- Share Price₹621.80
+0.72% today
- Revenue₹998 Cr
FY 2025-26 · +18.7% YoY
- EBITDA₹111 Cr
Margin 11.1%
- Net Profit₹104 Cr
FY 2025-26 · +12.4% YoY
- P/E (TTM)29.9x
P/B 2.4x
- ROE9.7%
ROCE 12.0%
- Debt / Equity0.08
Interest cover 10.4x
- Employee Count710
Associated legal entities of Vidya Lakshmi
Vidya Lakshmi operates through Protean Egov Technologies Limited, a listed company (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Protean Egov Technologies Limited Listed CIN L72900MH1995PLC095642 | Active | 27 Dec 1995 | Mumbai, Maharashtra | ₹909 Cr | 710 | 11 | View details |
Board of directors of Protean Egov Technologies Limited (Vidya Lakshmi)
Protean Egov Technologies Limited is the primary company behind Vidya Lakshmi. The board of Protean Egov Technologies Limited currently have 8 directors; the longest-serving is Shailesh Vishnubhai Haribhakti, appointed in 2012. 48 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Shailesh Vishnubhai Haribhakti DIN 00007347 | Director | 23 May 2012 | 14 yrs 4 mo | Protean Egov Technologies Limited |
| Abhaya Prasad Hota DIN 02593219 | Director | 16 Sep 2019 | 7 yrs 1 mo | Protean Egov Technologies Limited |
| Shailesh Sharad Kekre DIN 07679583 | Director | 31 May 2022 | 4 yrs 4 mo | Protean Egov Technologies Limited |
| Lloyd Mathias DIN 02879668 | Director | 28 Jun 2022 | 4 yrs 3 mo | Protean Egov Technologies Limited |
| Aruna Krishnamurthy Rao DIN 06986715 | Director | 31 Mar 2023 | 3 yrs 6 mo | Protean Egov Technologies Limited |
| Easwaran Venkateswaran DIN 08055728 | Whole-time director | 17 Dec 2025 | 10 mo | Protean Egov Technologies Limited |
| Nandkumar Saravade DIN 07601861 | Director | 01 Jun 2026 | 4 mo | Protean Egov Technologies Limited |
| Ajay Rajan DIN 09756949 | Managing Director | 01 Jun 2026 | 4 mo | Protean Egov Technologies Limited |
IPO & Listings of Vidya Lakshmi
Vidya Lakshmi is a publicly listed company on the NSE with ticker symbol PROTEAN in India, operating in the IT - Software sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- Listed onNSE: PROTEAN
- Listed entityProtean Egov Technologies Limited
- Exchange sectorIT - Software
Financials of Vidya Lakshmi
Exchange-reported figures of Protean Egov Technologies Limited, the listed company behind Vidya Lakshmi (NSE: PROTEAN).
Financial Highlights
FY 2025-26 Β· ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 998 | 841 | 882 | 742 | 691 | 603 | 716 |
| Revenue growth | +18.7% | -4.7% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| EBITDA | 111 | 80.41 | 89.44 | 118 | 124 | 84.82 | 148 |
| EBITDA margin | +11.1% | +9.6% | +10.1% | +15.9% | +17.9% | +14.1% | +20.6% |
| Profit before tax | 130 | 118 | 128 | 140 | 186 | 116 | 157 |
| Net profit | 104 | 92.46 | 97.29 | 107 | 112 | 88.52 | 121 |
| Net profit margin | +10.4% | +11.0% | +11.0% | +14.4% | +16.3% | +14.7% | +16.9% |
| EPS (βΉ) | 24.76 | 22.80 | 24.05 | 26.48 | 35.64 | 22.99 | 30.30 |
| Balance sheet | |||||||
| Total assets | 1,186 | 1,089 | 970 | 880 | 816 | 688 | 779 |
| Net worth | 1,077 | 999 | 926 | 857 | 788 | 668 | 754 |
| Total debt | 87.49 | 68.53 | 20.79 | 7.92 | 11.68 | 6.19 | 13.90 |
| Cash & bank | 187 | 136 | 151 | 138 | 234 | 115 | 50.11 |
| Net working capital | 183 | 89.86 | 208 | 179 | 314 | 285 | 252 |
| Cash flow | |||||||
| Cash from operations | 78.47 | 193 | 57.54 | (7.90) | 10.94 | 100 | 53.86 |
| Cash from investing | (14.37) | (159) | 18.70 | 11.68 | (139) | 116 | (12.90) |
| Cash from financing | (53.87) | (42.24) | (47.45) | (1.31) | (1.19) | (183) | (39.31) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 251 | 308 | 229 | 250 | 211 | 222 | 202 | 220 |
| Revenue growth (YoY) | +19.0% | +38.4% | +13.1% | +14.0% | +7.3% | - | - | - |
| Other income | 15.40 | 15.31 | 14.42 | 14.60 | 28.52 | 16.54 | 18.81 | 13.57 |
| EBITDA | 12.42 | 37.24 | 27.84 | 29.33 | 16.41 | 17.89 | 15.78 | 31.63 |
| EBITDA margin | +4.9% | +12.1% | +12.2% | +11.7% | +7.8% | +8.1% | +7.8% | +14.4% |
| Depreciation | 17.53 | 14.06 | 11.27 | 10.38 | 11.04 | 8.10 | 5.81 | 7.14 |
| Interest | 2.65 | 2.08 | 1.57 | 1.51 | 1.52 | 1.09 | 0.26 | 0.49 |
| Profit before tax | 7.64 | 36.41 | 29.42 | 32.04 | 32.37 | 25.24 | 28.52 | 37.57 |
| Tax | 1.78 | 6.03 | 6.92 | 8.18 | 8.52 | 4.84 | 5.59 | 9.53 |
| Net profit | 5.86 | 30.38 | 22.50 | 23.86 | 23.85 | 20.40 | 22.93 | 28.04 |
| EPS (βΉ) | 1.43 | 7.46 | 5.52 | 5.85 | 5.85 | 5.00 | 5.61 | 6.87 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | 996 | 841 | 881 | 742 | 691 | 603 | 716 |
| Revenue growth | +18.4% | -4.5% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| EBITDA | 103 | 80.14 | 92.41 | 119 | 124 | 85.08 | 148 |
| EBITDA margin | +10.3% | +9.5% | +10.5% | +16.0% | +18.0% | +14.1% | +20.7% |
| Profit before tax | 124 | 119 | 131 | 141 | 186 | 116 | 157 |
| Net profit | 97.55 | 92.58 | 100 | 108 | 112 | 88.68 | 121 |
| Net profit margin | +9.8% | +11.0% | +11.4% | +14.5% | +16.3% | +14.7% | +16.9% |
| EPS (βΉ) | 23.22 | 22.83 | 24.81 | 26.61 | 35.62 | 23.03 | 30.30 |
| Balance sheet | |||||||
| Total assets | 1,186 | 1,094 | 974 | 882 | 813 | 692 | 779 |
| Net worth | 1,077 | 1,004 | 930 | 858 | 789 | 668 | 754 |
| Total debt | 87.49 | 68.53 | 20.79 | 7.92 | 0.00 | 0.00 | 13.90 |
| Cash & bank | 181 | 130 | 143 | 128 | 223 | 112 | 50.06 |
| Net working capital | 174 | 84.77 | 202 | 170 | 299 | 202 | 252 |
| Cash flow | |||||||
| Cash from operations | 85.25 | 195 | 60.03 | 138 | 94.52 | 100 | 53.78 |
| Cash from investing | (21.28) | (161) | 15.95 | (283) | 74.90 | 154 | (12.87) |
| Cash from financing | (53.87) | (42.24) | (47.45) | (44.29) | (33.63) | (183) | (39.31) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 250 | 309 | 228 | 250 | 210 | 224 | 202 | 219 |
| Revenue growth (YoY) | +19.3% | +37.9% | +13.1% | +13.7% | +7.0% | - | - | - |
| Other income | 15.62 | 15.99 | 14.50 | 14.68 | 28.61 | 17.09 | 16.35 | 15.46 |
| Total expenses | 238 | 283 | 202 | 218 | 191 | 207 | 186 | 187 |
| EBITDA | 12.11 | 25.44 | 26.85 | 31.63 | 18.77 | 16.23 | 16.24 | 32.22 |
| EBITDA margin | +4.8% | +8.2% | +11.8% | +12.7% | +8.9% | +7.3% | +8.0% | +14.7% |
| Depreciation | 17.32 | 13.86 | 11.07 | 10.17 | 10.84 | 7.97 | 5.81 | 7.14 |
| Interest | 2.65 | 2.08 | 1.57 | 1.51 | 1.52 | 1.09 | 0.26 | 0.49 |
| Profit before tax | 7.76 | 25.49 | 28.71 | 34.63 | 35.02 | 24.26 | 26.52 | 40.05 |
| Tax | 1.78 | 5.53 | 7.05 | 8.43 | 8.52 | 4.84 | 5.59 | 9.53 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 251 | 308 | 229 | 250 | 211 | 222 | 202 | 220 |
| Revenue growth (YoY) | +19.0% | +38.4% | +13.1% | +14.0% | +7.3% | - | - | - |
| Other income | 15.40 | 15.31 | 14.42 | 14.60 | 28.52 | 16.54 | 18.81 | 13.57 |
| EBITDA | 12.42 | 37.24 | 27.84 | 29.33 | 16.41 | 17.89 | 15.78 | 31.63 |
| EBITDA margin | +4.9% | +12.1% | +12.2% | +11.7% | +7.8% | +8.1% | +7.8% | +14.4% |
| Depreciation | 17.53 | 14.06 | 11.27 | 10.38 | 11.04 | 8.10 | 5.81 | 7.14 |
| Interest | 2.65 | 2.08 | 1.57 | 1.51 | 1.52 | 1.09 | 0.26 | 0.49 |
| Profit before tax | 7.64 | 36.41 | 29.42 | 32.04 | 32.37 | 25.24 | 28.52 | 37.57 |
| Tax | 1.78 | 6.03 | 6.92 | 8.18 | 8.52 | 4.84 | 5.59 | 9.53 |
| Net profit | 5.86 | 30.38 | 22.50 | 23.86 | 23.85 | 20.40 | 22.93 | 28.04 |
| EPS (βΉ) | 1.43 | 7.46 | 5.52 | 5.85 | 5.85 | 5.00 | 5.61 | 6.87 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 998 | 841 | 882 | 742 | 691 | 603 | 716 |
| Revenue growth | +18.7% | -4.7% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| Other income | 72.85 | 68.18 | 67.57 | 41.67 | 79.27 | 49.05 | 38.49 |
| Total expenses | 887 | 760 | 793 | 624 | 567 | 518 | 568 |
| Employee cost | 233 | 189 | 175 | 123 | 78.68 | 75.27 | 68.63 |
| EBITDA | 111 | 80.41 | 89.44 | 118 | 124 | 84.82 | 148 |
| EBITDA margin | +11.1% | +9.6% | +10.1% | +15.9% | +17.9% | +14.1% | +20.6% |
| Depreciation | 46.75 | 27.82 | 27.48 | 18.29 | 17.00 | 17.28 | 27.46 |
| Interest | 6.68 | 2.34 | 1.67 | 0.93 | 0.48 | 0.94 | 1.62 |
| Profit before tax | 130 | 118 | 128 | 140 | 186 | 116 | 157 |
| Tax | 29.65 | 25.97 | 30.57 | 33.38 | 41.69 | 23.35 | 35.96 |
| Net profit | 104 | 92.46 | 97.29 | 107 | 112 | 88.52 | 121 |
| Net profit margin | +10.4% | +11.0% | +11.0% | +14.4% | +16.3% | +14.7% | +16.9% |
| EPS (βΉ) | 24.76 | 22.80 | 24.05 | 26.48 | 35.64 | 22.99 | 30.30 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 40.62 | 40.55 | 40.45 | 40.42 | 40.38 | 40.14 | 40.01 |
| Reserves & surplus | 1,037 | 958 | 886 | 817 | 748 | 628 | 714 |
| Shareholders' funds (net worth) | 1,077 | 999 | 926 | 857 | 788 | 668 | 754 |
| Minority interest | 0.00 | 0.00 | (0.19) | (0.19) | (0.19) | (0.18) | (0.18) |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 87.49 | 68.53 | 20.79 | 7.92 | 11.68 | 6.19 | 13.90 |
| Total debt | 87.49 | 68.53 | 20.79 | 7.92 | 11.68 | 6.19 | 13.90 |
| Total liabilities | 1,186 | 1,089 | 970 | 880 | 816 | 688 | 779 |
| Assets | |||||||
| Gross block | 445 | 403 | 315 | 270 | 257 | 233 | 229 |
| Net block | 167 | 153 | 86.01 | 63.31 | 64.54 | 56.81 | 63.56 |
| Capital work in progress | 19.48 | 10.58 | 13.10 | 11.43 | 4.49 | 1.42 | 5.43 |
| Investments | 638 | 661 | 550 | 529 | 364 | 285 | 406 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 205 | 144 | 189 | 209 | 200 | 198 | 211 |
| Cash & bank balances | 187 | 136 | 151 | 138 | 234 | 115 | 50.11 |
| Loans & advances | 79.74 | 27.17 | 82.77 | 56.06 | 52.33 | 146 | 152 |
| Total current assets | 471 | 307 | 423 | 402 | 486 | 459 | 413 |
| Total current liabilities | 288 | 218 | 215 | 224 | 172 | 174 | 161 |
| Net working capital | 183 | 89.86 | 208 | 179 | 314 | 285 | 252 |
| Total assets | 1,186 | 1,089 | 970 | 880 | 816 | 688 | 779 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 37.85 | 45.93 | 17.14 | 17.14 | 207 | 41.04 | 39.39 |
| Net cash from operating activities | 78.47 | 193 | 57.54 | (7.90) | 10.94 | 100 | 53.86 |
| Net cash from investing activities | (14.37) | (159) | 18.70 | 11.68 | (139) | 116 | (12.90) |
| Net cash from financing activities | (53.87) | (42.24) | (47.45) | (1.31) | (1.19) | (183) | (39.31) |
| Net change in cash | 10.23 | (8.08) | 28.79 | 2.47 | (129) | 32.42 | 1.65 |
| Closing cash | 187 | 136 | 151 | 138 | 234 | 115 | 50.11 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +18.7% | -4.7% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| EBITDA growth | +37.8% | -10.1% | -24.2% | -4.7% | +46.0% | -42.6% | - |
| PBT growth | +10.0% | -7.4% | -8.9% | -24.4% | +60.5% | -26.4% | -12.9% |
| Net income growth | +12.4% | -5.0% | -9.1% | -4.8% | +27.0% | -27.0% | - |
| Revenue CAGR (3Y) | +10.4% | +6.8% | +13.5% | +1.2% | -2.9% | - | - |
| EBITDA CAGR (3Y) | -2.1% | -13.4% | +1.8% | -7.2% | -11.2% | - | - |
| Profitability & leverage | |||||||
| Net income margin | +10.1% | +11.0% | +11.0% | +14.4% | +20.8% | +15.3% | +16.9% |
| Return on capital employed | +12.0% | +11.7% | +14.0% | +16.7% | +18.9% | +15.9% | +21.5% |
| Return on net worth | +9.7% | +9.6% | +10.9% | +13.0% | +15.5% | +13.0% | +17.1% |
| Debt / equity | 0.08 | 0.05 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 |
| Long-term debt / equity | 0.06 | 0.04 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Interest cover | 10.43 | 4.45 | 2.70 | 0.93 | 0.45 | 1.39 | 1.35 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 2.35 | 2.34 | 3.02 | 2.82 | 2.82 | 2.61 | 2.59 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 5.72 | 5.04 | 4.43 | 3.63 | 3.47 | 2.95 | 3.65 |
| EPS (βΉ) | 24.76 | 22.80 | 24.05 | 26.48 | 35.64 | 22.99 | 30.30 |
| Dividend per share (βΉ) | 10.00 | 10.00 | 10.00 | 10.00 | 45.00 | 0.00 | 0.00 |
| Book value per share (βΉ) | 265.23 | 246.31 | 228.97 | 212.05 | 195.17 | 166.38 | 188.38 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 250 | 309 | 228 | 250 | 210 | 224 | 202 | 219 |
| Revenue growth (YoY) | +19.3% | +37.9% | +13.1% | +13.7% | +7.0% | - | - | - |
| Other income | 15.62 | 15.99 | 14.50 | 14.68 | 28.61 | 17.09 | 16.35 | 15.46 |
| Total expenses | 238 | 283 | 202 | 218 | 191 | 207 | 186 | 187 |
| EBITDA | 12.11 | 25.44 | 26.85 | 31.63 | 18.77 | 16.23 | 16.24 | 32.22 |
| EBITDA margin | +4.8% | +8.2% | +11.8% | +12.7% | +8.9% | +7.3% | +8.0% | +14.7% |
| Depreciation | 17.32 | 13.86 | 11.07 | 10.17 | 10.84 | 7.97 | 5.81 | 7.14 |
| Interest | 2.65 | 2.08 | 1.57 | 1.51 | 1.52 | 1.09 | 0.26 | 0.49 |
| Profit before tax | 7.76 | 25.49 | 28.71 | 34.63 | 35.02 | 24.26 | 26.52 | 40.05 |
| Tax | 1.78 | 5.53 | 7.05 | 8.43 | 8.52 | 4.84 | 5.59 | 9.53 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Revenue | 996 | 841 | 881 | 742 | 691 | 603 | 716 |
| Revenue growth | +18.4% | -4.5% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| Other income | 73.78 | 68.44 | 67.66 | 41.17 | 78.80 | 49.02 | 38.49 |
| Total expenses | 894 | 761 | 788 | 623 | 567 | 518 | 568 |
| Employee cost | 227 | 188 | 172 | 121 | 78.69 | 75.27 | 68.63 |
| EBITDA | 103 | 80.14 | 92.41 | 119 | 124 | 85.08 | 148 |
| EBITDA margin | +10.3% | +9.5% | +10.5% | +16.0% | +18.0% | +14.1% | +20.7% |
| Depreciation | 45.94 | 27.69 | 27.48 | 18.28 | 16.84 | 17.28 | 27.47 |
| Interest | 6.68 | 2.34 | 1.67 | 0.93 | 0.48 | 0.94 | 1.62 |
| Profit before tax | 124 | 119 | 131 | 141 | 186 | 116 | 157 |
| Tax | 29.53 | 25.97 | 30.57 | 33.36 | 41.65 | 23.42 | 36.04 |
| Net profit | 97.55 | 92.58 | 100 | 108 | 112 | 88.68 | 121 |
| Net profit margin | +9.8% | +11.0% | +11.4% | +14.5% | +16.3% | +14.7% | +16.9% |
| EPS (βΉ) | 23.22 | 22.83 | 24.81 | 26.61 | 35.62 | 23.03 | 30.30 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Equity & liabilities | |||||||
| Share capital | 40.62 | 40.55 | 40.45 | 40.42 | 40.38 | 40.14 | 40.01 |
| Reserves & surplus | 1,036 | 963 | 890 | 818 | 748 | 628 | 714 |
| Shareholders' funds (net worth) | 1,077 | 1,004 | 930 | 858 | 789 | 668 | 754 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 87.49 | 68.53 | 20.79 | 7.92 | 0.00 | 0.00 | 13.90 |
| Total debt | 87.49 | 68.53 | 20.79 | 7.92 | 0.00 | 0.00 | 13.90 |
| Total liabilities | 1,186 | 1,094 | 974 | 882 | 813 | 692 | 779 |
| Assets | |||||||
| Gross block | 442 | 399 | 315 | 270 | 240 | 227 | 229 |
| Net block | 164 | 150 | 86.01 | 63.31 | 52.36 | 50.71 | 63.55 |
| Capital work in progress | 19.48 | 10.58 | 10.57 | 10.72 | 4.49 | 1.42 | 5.43 |
| Investments | 649 | 674 | 563 | 540 | 375 | 288 | 406 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 203 | 145 | 189 | 209 | 200 | 198 | 211 |
| Cash & bank balances | 181 | 130 | 143 | 128 | 223 | 112 | 50.06 |
| Loans & advances | 81.04 | 30.25 | 84.18 | 56.18 | 52.14 | 63.85 | 152 |
| Total current assets | 465 | 305 | 416 | 393 | 475 | 374 | 413 |
| Total current liabilities | 291 | 220 | 214 | 223 | 176 | 171 | 161 |
| Net working capital | 174 | 84.77 | 202 | 170 | 299 | 202 | 252 |
| Total assets | 1,186 | 1,094 | 974 | 882 | 813 | 692 | 779 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Opening cash | 37.35 | 45.60 | 17.07 | 206 | 70.46 | 40.99 | 39.39 |
| Net cash from operating activities | 85.25 | 195 | 60.03 | 138 | 94.52 | 100 | 53.78 |
| Net cash from investing activities | (21.28) | (161) | 15.95 | (283) | 74.90 | 154 | (12.87) |
| Net cash from financing activities | (53.87) | (42.24) | (47.45) | (44.29) | (33.63) | (183) | (39.31) |
| Net change in cash | 10.10 | (8.25) | 28.53 | (189) | 136 | 71.17 | 1.60 |
| Closing cash | 181 | 130 | 143 | 128 | 223 | 112 | 50.06 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 | FY 2019-20 |
|---|---|---|---|---|---|---|---|
| Growth | |||||||
| Sales growth | +18.4% | -4.5% | +18.8% | +7.4% | +14.6% | -15.8% | - |
| EBITDA growth | +28.1% | -13.3% | -22.3% | -4.1% | +45.8% | -42.5% | - |
| PBT growth | +4.5% | -9.5% | -7.1% | -24.0% | +60.1% | -26.3% | -13.5% |
| Net income growth | +5.4% | -7.7% | -6.7% | -4.3% | +26.7% | -26.9% | - |
| Revenue CAGR (3Y) | +10.3% | +6.8% | +13.5% | +1.2% | -3.0% | -12.4% | - |
| EBITDA CAGR (3Y) | -4.8% | -13.6% | +2.8% | -7.0% | -9.5% | -22.2% | - |
| Profitability & leverage | |||||||
| Net income margin | +9.5% | +11.0% | +11.4% | +14.5% | +20.8% | +15.3% | +16.9% |
| Return on capital employed | +11.5% | +11.7% | +14.3% | +16.7% | +18.9% | +15.9% | +21.9% |
| Return on net worth | +9.1% | +9.6% | +11.2% | +13.1% | +15.4% | +13.0% | +17.1% |
| Debt / equity | 0.07 | 0.05 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 |
| Long-term debt / equity | 0.06 | 0.04 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest cover | 11.77 | 4.46 | 2.57 | 0.92 | 0.45 | 1.39 | 1.35 |
| Efficiency & per share | |||||||
| Fixed asset turnover | 2.37 | 2.35 | 3.01 | 2.91 | 2.96 | 2.65 | 2.73 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 5.74 | 5.04 | 4.43 | 3.63 | 3.47 | 2.95 | 3.65 |
| EPS (βΉ) | 23.22 | 22.83 | 24.81 | 26.61 | 35.62 | 23.03 | 30.30 |
| Dividend per share (βΉ) | 10.00 | 10.00 | 10.00 | 10.00 | 35.00 | 0.00 | 0.00 |
| Book value per share (βΉ) | 265.13 | 247.47 | 229.98 | 212.31 | 195.31 | 166.50 | 188.40 |
Competitors of Vidya Lakshmi
Vidya Lakshmi has 9 listed competitors in our database, 8 of them funded. They include Auxilo, Eduvanz, GradRight, GyanDhan and Propelld, among others.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| auxilo.com | 2017 | Mumbai, India | $127.05M | 459 | Financial products for education loans and services are provided. | |
| eduvanz.com | 2016 | Mumbai, India | $40.28M | 137 | Financial assistance is provided for education, career, and skills development. | |
| gradright.com | 2019 | Hyderabad, India | $6.04M | 159 | Platform connecting students with universities and loans | |
| gyandhan.com | 2015 | Delhi, India | $7.78M | 267 | Education loan marketplace and study abroad support are provided. | |
| propelld.com | 2017 | Bengaluru, India | $70.23M | 235 | Provider of flexible digital education loans with customized repayment options for students | |
| shikshafinance.com | 2014 | Chennai, India | $12.1M | 302 | Provider of loan products for MSMEs and individuals | |
| kuhoo.com | 2021 | Mumbai, India | $21.81M | 125 | Financial products are offered to fund student educational expenses. | |
| credenc.com | 2017 | Gurugram, India | $27.61M | 60 | Merit-based education loans are offered via an online marketplace. | |
| edgrofin.com | 2022 | Bengaluru, India | – | 584 | Student loans are provided for education financing by Edgro. |
Detailed competitors of Vidya Lakshmi
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Web traffic of Vidya Lakshmi
The website of Vidya Lakshmi (vidyalakshmi.co.in) receives about 75.8K visits a month.
- Monthly visits75.8K
▼ 27.3% vs previous month
Websites whose visitors overlap most with Vidya Lakshmi. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| education.gov.in | 100% | 3.9M | #15,074 | View details | |
| vidyasaarathi.co.in | 90% | – | #82,047 | View details | |
| vit.ac.in | 77% | 5.4M | #10,054 | View details | |
admissions.nic.in | admissions.nic.in | 76% | – | #14,478 | β |
| antiragging.in | 74% | – | #107,998 | View details | |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
| β’β’β’β’β’β’β’β’β’β’ | β’β’β’β’β’β’.com | β’β’% | β’.β’M | #β’β’β’β’β’ | β |
All 26 similar websites and full traffic analytics for Vidya Lakshmi
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- Audience overlap
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Top companies in Consumer and SME Loans
10 companies that operate in the same segment as Vidya Lakshmi (Consumer and SME Loans), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
A peer-to-peer marketplace for business loans is operated and developed. | 2010 | London, England, United Kingdom | USD 372.67 M | USD 299.61 M | 860 | |
Synchrony is engaged in providing credit cards and banking services. | 1993 | Salem, United States | USD 25 M | USD 19.12 B | 20,000 | |
Consumer and SME loans are provided by Manappuram Finance. | 1992 | Valapad, Kerala, India | USD 39.98 M | USD 1.01 B | 51,650 | |
Full-stack marketplace services for car ownership are provided. | 2015 | Singapore, Singapore, Singapore | USD 685.9 M | USD 806.83 M | 1,381 | |
Affordable home loans are extended to low and middle-income groups. | 2010 | Mumbai, Maharashtra, India | USD 209.7 M | USD 203.79 M | 1,630 | |
Diversified lending services are provided as a non-banking financial institution. | 1994 | Mumbai, Maharashtra, India | – | USD 1.9 B | 36,520 | |
Financial solutions including loans and insurance are offered. | 2007 | Pune, Maharashtra, India | – | USD 15.24 B | 126 | |
Household and business loans are provided with risk management support. | 2006 | Chennai, Tamil Nadu, India | USD 283.47 M | USD 288.73 M | 1,100 | |
Online gold, home, personal, and business loans are provided. | 1995 | Mumbai, Maharashtra, India | – | USD 1.38 B | 38,720 | |
An online lending platform for point-of-sale financing is provided. | 2013 | Bengaluru, Karnataka, India | USD 205.92 M | USD 3.93 M | 499 |
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Related news about Vidya Lakshmi
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Frequently Asked Questions about Vidya Lakshmi
Vidya Lakshmi was founded in 2015.
Vidya Lakshmi is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Vidya Lakshmi has 710 employees.
The primary company behind Vidya Lakshmi, Protean Egov Technologies Limited, reported revenue of βΉ909 Cr for FY 2025, down 4% year on year.
Vidya Lakshmi a web-based portal that simplifies education loan applications for students and institutions through finance and education, fintech, loan applications, and education loans. Prioritizing client-centric approaches, it ensures high-quality outcomes, innovation, and sustainable practices in its field. It continues to evolve, meeting industry challenges with strategic approaches.
Yes, Vidya Lakshmi is publicly traded on NSE under the ticker symbol PROTEAN.
Vidya Lakshmi operates through Protean Egov Technologies Limited.
The legal entities of Vidya Lakshmi currently have 10 directors, including Abhaya Prasad Hota, Shailesh Vishnubhai Haribhakti, Lloyd Mathias and others.
