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Laxmi India Finance IPO 2025: Review, Financials, SWOT, GMP & Listing Details

🏦 Laxmi India Finance Limited IPO: Full Overview, Financials, SWOT & GMP Details 2025

Laxmi India Finance Limited, a reputed NBFC headquartered in Rajasthan, is stepping into the capital markets through its SME IPO route. Known for its deep penetration in rural credit markets, particularly in two-wheeler, personal, and SME loans, the company is targeting public funds to fuel its next growth phase.

This post presents a detailed breakdown of Laxmi India Finance’s financial performance, IPO details, GMP (Grey Market Premium) trends, SWOT analysis, and listing outlook for investors.

📌 Company Overview

ParticularDetails
Company NameLaxmi India Finance Private Limited
IndustryNon-Banking Financial Company (NBFC)
HeadquartersJaipur, Rajasthan
Founded1996
Core BusinessTwo-wheeler loans, MSME finance, Personal loans, Vehicle refinancing

💰 IPO Details

IPO AspectDetails
Issue Size₹48.65 Crores (Approx)
Face Value₹10 per equity share
IPO Price Band₹130 per share
Lot Size1000 Shares
Minimum Investment₹1,30,000
IPO Opening DateJuly 29, 2025
IPO Closing DateAugust 1, 2025
Listing ExchangeNSE SME Platform
Lead ManagerHem Securities Ltd
RegistrarBigshare Services Pvt Ltd

📊 Financial Performance

MetricFY 2022FY 2023FY 2024
Total Income₹48.3 Cr₹52.7 Cr₹61.9 Cr
Profit After Tax (PAT)₹4.25 Cr₹5.32 Cr₹6.78 Cr
Net Worth₹42.5 Cr₹48.9 Cr₹56.1 Cr
Return on Net Worth (RoNW)9.9%10.8%12.1%
Debt to Equity Ratio3.7x3.2x2.9x

📈 GMP (Grey Market Premium) Insights

As of July 27, 2025, the GMP of Laxmi India Finance IPO is reported around ₹25–₹30, indicating moderate investor interest in the SME segment. With a price band of ₹130, this could translate into a possible listing price in the ₹155–₹160 range.

🚨 Note: GMP is unofficial and subject to rapid change based on market mood.

🔍 SWOT Analysis

Strengths Weaknesses
✔ Strong presence in rural lending
✔ Consistent financial growth
✔ Well-managed NPAs		 ❌ Limited geographical diversification
❌ High dependency on small-ticket lending
❌ SME IPO liquidity is low compared to mainboard
Opportunities Threats
🔼 Growing demand for personal and MSME credit
🔼 Expansion into new lending segments (gold loans, EV loans)
🔼 Fintech adoption for credit scoring & collections		 ⚠ Regulatory tightening in NBFC sector
⚠ Economic downturns can impact collections
⚠ Competition from large NBFCs and banks

📌 Should You Invest?

Laxmi India Finance’s IPO presents an interesting opportunity for SME IPO investors looking for growth in the NBFC sector. The company’s fundamentals are solid, with consistent growth in income and profits. However, investors must consider risks related to regional concentration and sector regulations.

It’s best suited for long-term investors with higher risk appetite typical of SME IPO investments.

📅 Key Dates to Remember

  • IPO Opens: July 29, 2025
  • IPO Closes: August 1, 2025
  • Basis of Allotment: August 2, 2025
  • Listing on NSE SME: August 5, 2025 (Tentative)

🏷 Blogger Labels:

  • Laxmi India Finance IPO
  • SME IPO News
  • Upcoming IPOs
  • IPO GMP
  • IPO Review
  • Financial Analysis
  • IPO SWOT Analysis
  • IPO Listing 2025
  • GMPRadar IPO Coverage
  • NBFC IPO India
  • Rajasthan Finance Companies

📌 Disclaimer

This article is for informational and educational purposes only and does not constitute investment advice or a recommendation. GMPRadar.com and its contributors are not SEBI-registered advisors. Readers are advised to consult with a certified financial advisor before making any investment decisions. All information is sourced from publicly available data as of the date of writing. GMPRadar does not guarantee the accuracy or completeness of any data or projection.

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