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Laxmi India Finance IPO GMP, Price Band & Review 2025

🏦 Laxmi India Finance IPO: GMP, Financials & Investor Insights

📅 IPO Overview

  • IPO Dates: July 29–31, 2025
  • Price Band: ₹150–158/share
  • Lot Size: 94 shares (~₹14,852 at upper band)
  • Total Issue: ₹254.26 Cr (Fresh: ₹165.17 Cr, OFS: ₹89.09 Cr)
  • Expected Listing: August 5, 2025 (NSE & BSE)

🏢 Company Snapshot

Founded: 1996, Jaipur-based NBFC focused on MSME, vehicle, and construction equipment financing. Serves Rajasthan, Gujarat, MP & Chhattisgarh with 158 branches and 35,000+ customers.

📊 Financial Highlights (FY25)

MetricValue
Revenue₹248.04 Cr
PAT₹36.01 Cr
AUM₹1,277 Cr
CAR20.8%
GNPA / NNPA1.07% / 0.48%

YoY Growth: Revenue +42%, PAT +60%

📉 Subscription Status

  • Day 1: Total 0.37x; Retail 0.61x
  • Day 2: Total ~0.50x
  • Final: Total ~1.85x; Retail 2.22x; NII 1.84x; QIB 1.30x

📊 GMP & Listing View

  • GMP Day 1: ₹9 (~5.7% gain)
  • GMP Day 2: ₹8.25
  • Final GMP: ₹1 (minimal listing gain)
  • Expected Listing Price: ₹159–162

✅ SWOT Analysis

Strengths:

  • MSME-focused AUM (~76%)
  • Healthy CAR and low NPA levels
  • 158-branch footprint and strong regional customer base

Weaknesses:

  • Geographical concentration risk
  • Low average loan ticket size
  • Heavy exposure to tender-based asset loans

Opportunities:

  • Expanding underserved MSME markets
  • Scope for new-state expansion and digital channels

Threats:

  • Policy or regulatory shocks
  • Higher borrowing costs may squeeze NIMs
  • Regional competition

📈 Broker Recommendations

  • Canara Securities: Cautious subscribe (P/B ~2.5x, limited geography)
  • Marwadi, SMIFS, Bajaj: Subscribe for long-term

⚠️ Disclaimer

This article is for educational use only. GMPRadar does not offer investment advice. Consult your financial advisor before investing in IPOs.

📣 Final Take

Laxmi India Finance's IPO offers moderate upside, decent growth metrics, and strong MSME exposure. Final GMP was weak but fundamentals support long-term interest. Good for cautious investors looking for NBFC plays in India's lending space.

Follow GMPRadar.com for more IPO reviews, GMP updates, and financial insights daily.

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