Laxmi India Finance Limited – IPO
Laxmi India Finance Limited – IPO Details
| IPO Date | July 29, 2025 to July 31, 2025 |
| Listing Date | August 5, 2025 |
| Face Value | ₹ 5 / Share |
| Price Band | ₹ 150 to ₹ 158 / Share |
| Lot Size | 94 Shares |
| Total Issue Size | 1,60,92,195 shares (Aggregating up to ₹254.26 Cr) |
| Fresh Issue | 1,04,53,575 shares (Aggregating up to ₹165.17 Cr) |
| Offer for Sale | |
| Employee Discount | |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Share holding pre issue | 4,18,14,300 shares |
| Share holding post issue | 5,22,67,875 shares |
| Market Maker portion |
Laxmi India Finance Limited Timeline (Tentative Schedule)
Laxmi India Finance Limited IPO opens on July 29, 2025, and closes on July 31, 2025.
| IPO Open Date | July 29, 2025 |
| IPO Close Date | July 31, 2025 |
| Basis of Allotment | August 1, 2025 |
| Initiation of Refunds | August 4, 2025 |
| Credit of Shares to Demat | August 4, 2025 |
| Listing Date | August 5, 2025 |
| Cut-off time for UPI mandate confirmation | July 31, 2025 |
Laxmi India Finance Limited IPO Lot Size
Investors can bid for a minimum of 94 shares and in multiples thereof. The following table depicts the minimum and maximum investment by Individual Investors (Retail) and HNI in terms of shares and amount.
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 94 | Rs.14,852 |
| Retail (Max) | 13 | 1,222 | Rs.193,076 |
| S-HNI (Min) | 14 | 1,316 | Rs.207,928 |
| S-HNI (Max) | 67 | 6,298 | Rs.995,084 |
| B-HNI (Min) | 68 | 6,392 | Rs.1,009,936 |
| HNI (Min) |
Laxmi India Finance Limited IPO Promoter Holding
| Share Holding Pre Issue | 89.05% |
| Share Holding Post Issue |
Laxmi India Finance Limited IPO Reservation
| Investor Category | Shares Offered | Maximum Allottees |
|---|---|---|
| Anchor Investor Shares Offered | |
|
| Market Maker Shares Offered | |
|
| Other Shares Offered | |
|
| QIB Shares Offered | Not more than 50% |
|
| NII (HNI) Shares Offered | Not less than 15% |
|
| bNII > ₹10L | |
|
| sNII < ₹10L | |
|
| Retail Shares Offered | Not less than 35% |
|
| Employee Shares Offered | |
|
| Total Shares Offered | |
Laxmi India Finance Limited IPO Anchor Investors Details
| Bid Date | |
| Shares Offered | |
| Anchor Portion Size (In Cr.) | |
| Anchor lock-in period end date for 50% shares (30 Days) | |
| Anchor lock-in period end date for remaining shares (90 Days) |
About Laxmi India Finance Limited
Laxmi India Finance Limited was founded in 1996 and operates as a non-banking financial company. With more than 80% of MSME loans being eligible for Priority Sector Lending, the company supports small businesses and entrepreneurs by providing MSME loans, auto loans, construction loans, and other lending products.
Offerings:
MSME Finance: The business offers MSMEs secured loans against residential or commercial real estate, with loan amounts ranging from 0.05 million to 2.5 million, a 65% loan-to-value ratio, and a maximum term of 84 months.
Vehicle Finance: Up to ₹1.5 million for commercial vehicles, up to ₹0.15 million for two-wheelers, and up to ₹0.7 million for tractors are among the secured vehicle loans that the company provides for both personal and business use.
Construction loans: The company provides retail customers with secured loans up to ₹2.5 million, with interest rates ranging from 18% to 28%, and a maximum tenure of 84 months, secured by residential or commercial property for construction or renovation.
Important Information as of March 31, 2025
In 2025, the asset under management (AUM) was Rs 12,770.18 million, of which 76.34% came from MSME loans and 16.12% from vehicle loans.
Customer base: 35,568 customers, including 12,423 active auto loan customers and 18,596 active MSME customers, representing a 48.78% increase from 23,906 customers as of March 31, 2024. First-time borrowers make up 37.10% of its clientele.
Branch network: as of March 31, 2024, there were 158 branches out of 135 branches. The company operates in Madhya Pradesh, Chhattisgarh, Gujarat, and Rajasthan, with the most branches in Rajasthan.
obtained funds from 47 lenders, including 22 NBFCs, 7 small finance banks, 10 private banks, and 8 public sector banks.
Strengths of the competition:
Pay attention to MSME funding
Effective cost of funds and availability of a variety of capital sources
thorough framework for risk management, underwriting, and credit evaluation
increased regional reach in rural and semi-urban areas, bolstered by a combination of direct and indirect sourcing methods
Our Hub and Branch model promotes business growth and market expansion by streamlining operations, cutting expenses, and improving customer accessibility.
competent management with sound corporate governance principles.
Key Performance Indicator
The market capitalization of Laxmi India Finance IPO is ₹825.83 Cr.
| KPI | Values |
|---|---|
| ROE | |
| ROCE | |
| Debt/Equity | 4.42 |
| RoNW | 13.95% |
| P/BV | 2.57 |
| PAT Margin (%) | 14.48% |
| Pre IPO | Post IPO | |
|---|---|---|
| EPS (Rs) | 8.61 | 6.89 |
| P/E (x) | 18.35 | 22.94 |
Note:
- The Pre IPO EPS is calculated based on Pre issue shareholding as on date of RHP and the latest FY earnings as of March 31, 2025 that is available in RHP.
- The Post Issue EPS is calculated based on the Post issue shareholding and annualized FY earnings of March 31, 2025 that is available in RHP.
Objects of the Issue (Laxmi India Finance Limited IPO Objectives)
Laxmi India Finance Limited Contact Details
Laxmi India Finance Ltd. 2 DFL, Gopinath Marg, MI Road, Jaipur, Rajasthan, 302001 Phone: +91 9773376198 Email: [email protected] Website: http://www.lifc.co.in/ |
Laxmi India Finance Limited IPO Registrar
MUFG Intime India Private Limited (Link Intime) Phone: +91-22-4918 6270 Email: [email protected] Website: https://linkintime.co.in/Initial_Offer/public-issues.html |