Laxmi India Finance IPO Overview
Laxmi India Finance Limited is set to launch its ₹254.26 crore IPO in July 2025. The IPO consists of:
- Fresh Issue: 1.05 crore shares (₹165.17 crore)
- Offer for Sale (OFS): 0.56 crore shares (₹89.09 crore)
Key IPO Details
| Parameter | Details |
|---|---|
| IPO Open Date | July 29, 2025 |
| IPO Close Date | July 31, 2025 |
| Price Band | ₹150 – ₹158 per share |
| Face Value | ₹5 per share |
| Lot Size | 94 shares (₹14,100 – ₹14,852) |
| Listing On | BSE, NSE |
| Issue Type | Book-Built IPO |
| Total Issue Size | ₹254.26 crore |
About Laxmi India Finance Ltd.
Company Background
- Founded: 1996
- Business: Non-Banking Financial Company (NBFC)
- Key Offerings:
- MSME Loans (₹0.05M – ₹2.5M, 65% LTV)
- Vehicle Loans (Commercial, Two-Wheelers, Tractors)
- Construction Loans (Up to ₹2.5M, 18%-28% interest)
Competitive Strengths
✔ Strong focus on MSME financing
✔ Diversified funding sources (47 lenders)
✔ 158 branches across Rajasthan, Gujarat, MP, Chhattisgarh
✔ Experienced management with strong governance
Laxmi India Finance IPO GMP (Grey Market Premium) Today 2025
The GMP (Grey Market Premium) indicates investor sentiment before listing.
| Date | GMP (₹) | Expected Listing Price (₹) |
|---|---|---|
| July 29, 2025 | +25 | ₹175 – ₹183 |
| July 30, 2025 | +30 | ₹180 – ₹188 |
| July 31, 2025 | +18 | ₹176 – ₹188 |
Note: GMP fluctuates daily. Check our IPO GMP Tracker for real-time updates.
IPO Company Financial Data (2023-2025)
Financial Performance (₹ in Crores)
| Year | Revenue | Profit (PAT) | Assets | EBITDA |
|---|---|---|---|---|
| 2023 | ₹130.67 | ₹15.97 | ₹778.71 | ₹85.96 |
| 2024 | ₹175.02 | ₹22.47 | ₹984.85 | ₹114.59 |
| 2025 | ₹248.04 | ₹36.01 | ₹1,412.52 | ₹163.88 |
Key Financial Ratios
| KPI | Value |
|---|---|
| Debt/Equity | 4.42x |
| RoNW | 13.95% |
| PAT Margin | 14.48% |
| EBITDA Margin | 66.07% |
| P/E Ratio | 22.94x (Post-IPO) |
IPO Application & Lot Size Details
Investment Categories
| Investor Type | Lot Size (Shares) | Amount (₹) |
|---|---|---|
| Retail (Min) | 94 | ₹14,100 – ₹14,852 |
| Retail (Max) | 1,222 (13 lots) | ₹1,93,076 |
| sNII (HNI) | 1,316 (14 lots) | ₹2,07,928 |
| bNII (HNI) | 6,392 (68 lots) | ₹10,09,936 |
IPO Reservation Quota (%)
| Category | Reservation (%) |
|---|---|
| QIB | 50% |
| Retail | 35% |
| NII (HNI) | 15% |
IPO Promoter Holding Details
| Promoter Name | Pre-IPO Holding | Post-IPO Holding |
|---|---|---|
| Deepak Baid, Prem Devi Baid, Hirak Vinimay Pvt Ltd, etc. | 89.05% | To be updated |
IPO Timeline (Tentative Dates)
| Event | Date |
|---|---|
| IPO Open | July 29, 2025 |
| IPO Close | July 31, 2025 |
| Allotment Finalization | August 1, 2025 |
| Refund Initiation | August 4, 2025 |
| Demat Credit | August 4, 2025 |
| Listing Date | August 5, 2025 |
IPO Investor Category Reservations
- Retail Investors: Up to ₹2 lakhs
- NII (HNI): ₹2L – ₹10L (sNII), Above ₹10L (bNII)
- Employee Quota: Discounted price (if applicable)
IPO Anchor Investors (If Applicable)
(Details to be updated post-anchor book allocation.)
IPO Key Performance Indicators (KPIs)
| Metric | Value |
|---|---|
| ROE | 13.95% |
| ROCE | 15.66% |
| RONW | 14.48% |
| Book Value | ₹61.57 |
| EPS | ₹8.61 (Pre-IPO) |
Company Contact Details
Laxmi India Finance Ltd.
📍 Address: 2 DFL, Gopinath Marg, MI Road, Jaipur, Rajasthan – 302001
📞 Phone: +91 9773376198
📧 Email: investors@lifc.in
🌐 Website: www.lifc.co.in
IPO Registrar Details
MUFG Intime India Private Limited (Link Intime)
📞 Phone: +91-22-4918 6270
📧 Email: laxmifinance.ipo@linkintime.co.in
🌐 Website: https://linkintime.co.in
IPO Recommendation: Buy or Not?
Pros ✅
✔ Strong MSME & vehicle loan portfolio
✔ Revenue growth (42% YoY)
✔ Expanding branch network
Cons ❌
❌ High debt-to-equity (4.42x)
❌ Competitive NBFC sector
Expert Verdict:
- Short-term: May list at 10-15% premium (GMP-based).
- Long-term: Depends on loan book quality & economic conditions.
Recommendation: Subscribe for listing gains; evaluate long-term risks.
IPO RHP/DRHP Documents
- DRHP Draft Prospectus (Link to SEBI filing)
- RHP Final Prospectus (Post-SEBI approval)
IPO Review: Final Analysis
Why Invest?
- Growing AUM (₹12,770 Cr in 2025)
- Strong regional presence in semi-urban markets
Risks:
- Regulatory changes in NBFC sector
- Asset quality risks in MSME loans
FAQs on Laxmi India Finance IPO
1. What is Laxmi India Finance IPO GMP today?
Check latest grey market premium (₹25-₹30 as of July 2025).
2. What is the IPO lot size?
94 shares (₹14,100 – ₹14,852 per lot).
3. When is the IPO allotment date?
August 1, 2025 (tentative).
4. What is the listing date?
August 5, 2025 (BSE & NSE).
5. Is Laxmi India Finance IPO good for long-term?
Depends on loan book performance & economic growth.
(…5 more FAQs in the full article…)
Conclusion
The Laxmi India Finance IPO 2025 offers a mix of growth potential & risks. Investors should track GMP trends, financials, and sector outlook before applying.
Stay updated for live GMP & allotment details! 🚀
