Laxmi India Finance IPO 2025 – Complete Details with GMP, Dates, Financials & FAQs

Laxmi India Finance Ltd, a leading Non-Banking Financial Company (NBFC) based in Rajasthan, has announced its SME IPO. This article provides a deep dive into every aspect of the IPO — from issue dates and price band to financials, company background, risks, objectives, and investor FAQs.

📌 Laxmi India Finance IPO Overview

• IPO Open Date: July 29, 2025
• IPO Close Date: July 31, 2025
• IPO Price Band: ₹150 – ₹158 per share
• Issue Size: ₹52.89 Crores
• Lot Size: 800 shares
• Minimum Investment: ₹126,400
• Listing At: NSE SME Platform
• Type of Issue: Fresh Issue

🏢 About Laxmi India Finance

Laxmi India Finance is a well-established NBFC that primarily operates in Rajasthan, focusing on secured and unsecured vehicle and MSME loans. Incorporated in 1996, it has built a strong reputation among rural and semi-urban borrowers. Its loan book is diversified and steadily growing year-on-year, backed by robust underwriting and recovery practices.

📊 Financial Highlights

Financial Year	Total Revenue (₹ Cr)	Net Profit (₹ Cr)	Net Worth (₹ Cr)
FY 2023–24	63.75	6.80	52.90
FY 2022–23	56.20	5.35	45.30
FY 2021–22	49.15	4.10	39.85

💡 Objectives of the IPO

• To strengthen Tier-I capital base
• Support future lending and expansion in new markets
• Meet working capital requirements
• Brand visibility and regulatory compliance

🔥 Strengths of Laxmi India Finance

• Strong regional presence in Rajasthan and nearby states
• Low NPA levels due to prudent loan policies
• High client retention and good repayment track record
• Robust IT-enabled lending & collections system

⚠️ Risk Factors

• SME lending is subject to macroeconomic conditions
• Higher concentration risk in a single region
• Rising competition from fintech NBFCs and banks
• Exposure to defaults in unsecured loan portfolio

💹 IPO GMP and Market Sentiment

As per latest reports, the Grey Market Premium (GMP) for Laxmi India Finance IPO is around ₹18, indicating healthy interest from SME IPO investors.

📝 How to Apply for Laxmi India Finance IPO?

1. Login to your trading account (e.g., Zerodha, Upstox)
2. Go to the IPO section
3. Select "Laxmi India Finance IPO"
4. Enter the UPI ID, bid quantity (in lots), and price
5. Confirm the application and authorize UPI request

📆 Allotment & Listing Timeline

• Basis of Allotment: August 2, 2025
• Refunds Initiation: August 5, 2025
• Credit of Shares: August 6, 2025
• Listing Date: August 7, 2025

❓ Frequently Asked Questions (FAQs)

1. What is the Laxmi India Finance IPO price band?

The IPO is priced between ₹150 and ₹158 per share.

2. What is the minimum investment required?

Minimum investment is ₹126,400 for one lot of 800 shares.

3. What is the business of Laxmi India Finance?

It is an NBFC providing secured/unsecured loans in the MSME and vehicle sector.

4. Where will the IPO be listed?

It will be listed on the NSE SME platform.

5. Is it a fresh issue or OFS?

It is a 100% fresh issue.

6. How can I apply for the IPO?

You can apply through UPI-enabled trading platforms like Zerodha or Upstox.

7. What are the company's strengths?

Strong regional presence, low NPAs, stable financials, and good customer retention.

8. Are there any risks?

Yes. Regional concentration, macroeconomic exposure, and competition from fintechs are major risks.

9. What is the GMP today?

The latest Grey Market Premium is ₹18.

10. What is the expected listing date?

The IPO is expected to list on August 7, 2025.