Laxmi India Finance IPO
IPO Listing Details
- Listing Date
05 Aug 2025
- Listing Price
₹136.00
- Listing Change
-13.92%
- Last Traded Price
₹134.58
Laxmi India Finance IPO Details
-
Open Date
29 Jul 2025
-
Close Date
31 Jul 2025
-
Listing Date
05 Aug 2025
- IPO Price Range
₹ 150 to ₹158
- IPO Size
₹ 254.26 Cr
- Listing Exchange
BSE NSE
Laxmi India Finance IPO Timeline
Laxmi India Finance IPO Subscription Status
| Date | QIB | NII | Retail | TOTAL |
|---|---|---|---|---|
| 29-Jul-25 | 0.10 | 0.19 | 0.61 | 0.37 |
| 30-Jul-25 | 0.45 | 0.52 | 1.29 | 0.89 |
| 31-Jul-25 | 1.30 | 1.83 | 2.20 | 1.86 |
Last Updated: 31 July 2025 5:36 PM by 5paisa
Laxmi India Finance Limited plans to launch its ₹254.26 crore IPO. As a Non-Banking Financial Company, it offers MSME, vehicle, and construction loans, focusing on small businesses and entrepreneurs. Over 80% of its MSME loans qualify as Priority Sector Lending. Key offerings include secured MSME loans (₹0.05–2.5 million), vehicle loans (₹0.15–1.5 million), and construction loans (up to ₹2.5 million) with flexible tenures up to 84 months and competitive interest rates.
Established in: 1996
Managing Director: Mr. Deepak Baid
Peers
MAS Financial Services Limited
Five Star Business Finance Limited
SBFC Finance Limited
U GRO Capital Limited
CSL Finance Limited
Akme Fintrade (India) Limited
Moneyboxx Finance Limited
Laxmi India Finance Objectives
Strengthening the capital base to support future funding needs for onward lending.
Laxmi India Finance IPO Size
| Types | Size |
|---|---|
| Total IPO Size | ₹254.26 Cr |
| Offer For Sale | ₹89.09 Cr |
| Fresh Issue | ₹165.17 Cr |
Laxmi India Finance IPO Lot Size
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 94 | ₹14,040 |
| 14,100 | 13 | 1,222 | 183,300 |
| S-HNI (Min) | 14 | 1,316 | 197,400 |
| S-HNI (MAX) | 67 | 6,298 | 944,700 |
| B-HNI (Min) | 68 | 6,392 | 958,800 |
Laxmi India Finance IPO Reservation
| Investors Category | Subscription (times) | Shares Offered | Shares bid for | Total Amount (Cr.)* |
|---|---|---|---|---|
| QIB | 1.30 | 31,86,253 | 41,36,940 | 65.364 |
| NII (HNI) | 1.83 | 23,89,690 | 43,81,904 | 69.234 |
| bNII (bids above ₹10L) | 1.82 | 15,93,127 | 28,94,354 | 45.731 |
| sNII (bids below ₹10L) | 1.87 | 7,96,563 | 14,87,550 | 23.503 |
| Retail | 1.67 | 55,75,943 | 1,22,51,302 | 193.571 |
| Total** | 1.86 | 1,13,12,814 | 2,10,17,742 | 332.080 |
*The "Shares Offered" and "Total Amount" are calculated using the upper limit of the issue price range.
**Shares allocated to anchor investors (or market makers) are excluded from the total number of shares offered.
Laxmi India Finance IPO Anchor Allocation
| Anchor Bid Date | July 24, 2025 |
| Shares Offered | 26,73,000 |
| Anchor portion Size (In ₹ Cr.) | ₹33.41 Cr |
| Anchor lock-in period end date for 50% shares (30 Days) | August 29, 2025 |
| Anchor lock-in period end date for remaining shares (90 Days) | October 28, 2025 |
| Particulars (in Rs. Crores) | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | 130.67 | 175.02 | 248.04 |
| EBITDA | 85.96 | 114.59 | 163.88 |
| PAT | 15.97 | 22.47 | 36.01 |
| Particulars (in Rs. Crores)] | FY23 | FY24 | FY25 |
|---|---|---|---|
| Total Assets | 778.71 | 984.85 | 1,412.52 |
| Share Capital | 18.32 | 19.86 | 20.91 |
| Total Borrowings | 615.49 | 766.68 | 1,137.06 |
| Particulars (in Rs. Crores | FY23 | FY24 | FY25 |
|---|---|---|---|
| Net Cash Generated From / (used in) operating activities | -169.41 | 223.75 | 311.26 |
| Net Cash Generated From / (used in) investing activities | 5.14 | -6.80 | -18.39 |
| Net Cash Generated From / (used in) financing activities | 212.68 | 177.54 | 389.81 |
| Net Increase (Decrease) In Cash And Cash Equivalents | 48.40 | -53.01 | 60.16 |
Strengths
1. Strong focus on MSME financing with priority sector benefits.
2. Diverse funding sources and efficient cost management.
3. Robust credit assessment and risk control framework.
4. Deep regional penetration with cost-effective hub and branch model.
Weaknesses
1. High dependence on MSME sector increases credit risk.
2. Operations concentrated in Rajasthan, limiting geographic diversity.
3. Vulnerable to regional economic and regulatory changes.
4. Negative cash flows pose liquidity management challenges.
Opportunities
1. Rising demand for MSME loans in semi-urban and rural markets.
2. Potential to expand beyond Rajasthan for higher market share.
3. Increasing financial inclusion initiatives by the government.
4. Access to capital markets through IPO for growth funding.
Threats
1. Economic slowdown could impact MSME repayment capacity.
2. Intense competition from banks and NBFCs in rural financing.
3. Regulatory changes may increase compliance costs.
4. Credit defaults could rise during industry downturns.
1. NBFCs are rapidly expanding MSME lending, outpacing traditional banks in underserved regions.
2. As of March 2025, Laxmi India Finance AUM grew to ₹1,277 crore with a 36% CAGR.
3. Operational presence extends across five states via 158 branches in rural and semi‑urban areas.
4. Government easing of financing norms supports NBFC credit access and sector growth.
1. The MSME sector in India is witnessing increased demand for formal financing; NBFCs are bridging the credit gap underserved by traditional banks.
2. RBI's focus on Priority Sector Lending (PSL) and simplified NBFC norms are enabling deeper financial inclusion and sector expansion.
NBFCs with branch-led models are penetrating underserved geographies; rising credit off-take in Tier 2 and Tier 3 cities is driving loan book growth.
3. Growth in vehicle financing, construction loans, and small business credit offers multiple avenues for NBFCs to scale sustainably.
4. Adoption of tech-enabled loan processing, combined with hub-and-spoke models, is enhancing reach, reducing costs, and boosting profitability.
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FAQs
Laxmi India Finance IPO opens from July 29, 2025 to July 31, 2025.
The size of Laxmi India Finance IPO is ₹254.26 Cr
The price band of Laxmi India Finance IPO is ₹150 to ₹158 per share.
To apply for Laxmi India Finance IPO, follow the steps given below:
● Login to your 5paisa account and select the issue in the current IPO section
● Enter the number of lots and the price at which you wish to apply for the Laxmi India Finance IPO.
● Enter your UPI ID and click on submit. With this, your bid will be placed with the exchange.
You will receive a mandate notification to block funds in your UPI app.
The minimum lot size of Laxmi India Finance IPO is of 1 lot consisting of 94 shares and the investment required is ₹14,100.
The share allotment date of Laxmi India Finance IPO is August 1, 2025
The Laxmi India Finance IPO will likely be listed on August 5, 2025.
PL Capital Markets Private Limited is the book running lead manager for Laxmi India Finance IPO.
Strengthening the capital base to support future funding needs for onward lending.
Laxmi India Finance Contact Details
2 DFL,
Gopinath Marg,
MI Road,
Jaipur, Rajasthan, 302001
Phone: +91 9773376198
Email: investors@lifc.in
Website: http://www.lifc.co.in
Laxmi India Finance IPO Register
MUFG Intime India Private Limited (Link Intime)
Phone: +91-22-4918 6270
Email: laxmifinance.ipo@linkintime.co.in
Website: https://linkintime.co.in/Initial_Offer/public-issues.html
Laxmi India Finance IPO Lead Manager
PL Capital Markets Private Limited