The Laxmi India Finance IPO is scheduled to open from July 29 to July 31, 2025, offering investors a chance to invest in a Rajasthan-based non-banking financial company focused on MSME and vehicle loans. With assets under management growing from ₹961 crore in FY 2024 to ₹1,277 crore in FY 2025, the company has demonstrated consistent growth. Positioned to capitalize on the expanding credit demand in underserved MSME sectors, the Laxmi India Finance IPO appeals to investors seeking exposure to a regional NBFC with a solid track record and growth potential.
₹00
₹158
₹137.52
Expert Opinions
The Laxmi India Finance IPO is drawing stable investor interest, leveraging its reputation as an NBFC specializing in extending credit to underserved semi-urban and rural segments. Market sentiment is supported by solid financials, with the company demonstrating consistent growth in net interest income and profit; in FY 2025, it achieved a noteworthy EBITDA margin of 66.07% and a Return on Net Worth (RoNW) of 13.95%. Strengths include an extensive branch network across multiple states, diversified product offerings in MSME and vehicle loans, and a robust emphasis on financial inclusion supported by experienced management.
However, risks arise from the company’s regional lending concentration, exposure to credit risk in its target segments, sensitivity to economic cycles, and competitive pressures from other NBFCs and fintech rivals. For long-term investors, the Laxmi India Finance IPO presents a credible opportunity to capitalize on India’s financial inclusion drive and ongoing rural borrowing demand, while acknowledging sectoral and regulatory uncertainties.
Investor Considerations
The Laxmi India Finance IPO offers investors exposure to a well-established NBFC with a focus on rural and semi-urban lending, demonstrating resilient performance in FY 2025. The company reported a PAT margin of 14.48% and operates with a Price to Book Value of 2.57, reflecting fair valuation, though the debt/equity ratio of 4.42 highlights high leverage typical for the sector but demands close monitoring. Sector outlook remains positive, supported by increasing financial inclusion and growing credit demand outside urban areas.
Growth prospects are driven by geographic expansion, product diversification, and long-standing expertise in MSME and vehicle financing. Key risks include regional lending concentration, high leverage, asset quality concerns, and exposure to economic cycles. The IPO suits long-term investors seeking stable financial sector growth, while short-term investors should weigh regulatory changes and market volatility before investing. The Laxmi India Finance IPO aligns best with investors prioritizing sustained growth over quick returns.
| Date | GMP | Trend |
|---|---|---|
| 04 Aug 2025 11.49 | ₹00 | --- |
| 02 Aug 2025 20.02 | ₹00 | --- |
| 01 Aug 2025 11.28 | ₹00 | --- |
| 31 Jul 2025 19.25 | ₹00 | Down |
| 30 Jul 2025 11.04 | ₹5 | --- |
| 29 Jul 2025 19.58 | ₹5 | Down |
| 28 Jul 2025 20.34 | ₹10 | Down |
| 25 Jul 2025 10.45 | ₹20 | --- |
| 24 Jul 2025 10.36 | ₹20 | --- |
| 23 Jul 2025 15.42 | ₹20 | --- |
FAQs
The Grey Market Premium showed good accuracy in predicting Laxmi India Finance IPO’s listing performance. With a final GMP of ₹0, it projected no premium over the issue price of ₹158. The stock listed at ₹137.52, delivering a loss of 12.92%. This resulted in a small prediction error of 12.92%, where the GMP correctly signaled a negative listing and closely aligned with the actual outcome, reflecting fair reliability in this case.
Laxmi India Finance IPO Current GMP is ₹00.
Laxmi India Finance IPO Expected Returns is 0.00%.
Laxmi India Finance IPO estimated listing price is ₹158.