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15 Days Price Change

Laxmi India Finance IPO

Closing In

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WEBSITE Inc. Year: 1996 Industry: Finance - NBFC Listed Page

Profile
Issue Size 178.74 Cr
Profile
Price Range 150  to  158 per share
Profile
Min Investment ₹158
Profile
Lot Size 1
Profile
Face Value ₹5
Profile
Draft Prospectus
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

We are a non-deposit taking non-banking financial company focused on serving the financial needs of underserved customers in India’s lending market. As on September 30, 2024, our operational network spans across 139 branches in rural, semi-urban and urban areas in the states of Rajasthan, Gujarat, Madhya Pradesh and Chhattisgarh. Laxmi Finance has the widest reach in Rajasthan in terms of being the company with highest number of branches amongst its peers for the period ending FY24 (Source: CARE Report). Our product portfolio includes MSME loans, vehicle loans, construction loans and other lending products catering to the diverse financial needs of our customers. Our MSME lending fuels economic growth and promotes financial inclusion by supporting small businesses and entrepreneurs, with over 80% of our MSME loans qualifying as Priority Sector Lending under RBI guidelines. Building on a legacy that began in early 1990s with Deepak Finance & Leasing Company (a proprietorship concern founded by our Promoter’s father) (DFL), our Promoter acquired the shares and control of our Company in 2010. Subsequently, in 2011, our Company consolidated the business by acquiring and integrating the business and operations of DFL, leveraging the expertise and strengths of both entities. As of June 30, 2024, our assets under management (AUM) stood at ?10,355.35 million with our MSME and vehicle loan verticals contributing 75.49% and 17.46%, respectively. Read More

Basic Info

Face Value 5 per share

Price 150  to  158 per share

P/E (x) 18

Sales( Cr.) 246

PAT( Cr.) 36

EPS 8.8

Draft Prospectus

Exchange BSE-NSE

Promoter

Company Promoters

Deepak Baid Prem Devi Baid Aneesha Baid Hirak Vinimay Pvt Ltd. Deepak Hitech Motors Pvt Ltd. Prem Dealers Pvt Ltd. Vivan Baid Family Trust

Pre Issue Share Holding 89.05%

Post Issue Share Holding 60.45%

Listing Details:

Listing Price: 136

Listing Gain: -16.18%

Current Price: 113.2

Gain On Issue: 113.2 | 0%

GMP: --

GMP %: -- %

IPO Tentative Timetable

Opening Date Jul 29, 2025
Closing Date Jul 31, 2025
Allotment Aug 01, 2025
Refund Aug 04, 2025
Delivery of Shares Aug 04, 2025
Listing Date Aug 05, 2025

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 94 14,852
Retail (Max) 13 1222 193,076
S-HNI (Min) 14 1316 207,928
S-HNI (Max) 67 6298 995,084
B-HNI (Min) 68 6392 1,009,936

Objective of the Issue

1. Augmentation of our capital base to meet our future capital requirements towards onward lending

Issue

Category Nos Bid Bid (x)
QIB 3186253 4136940 1.3x
NII 2389691 4402678 1.8x
Retail 5575944 12374630 2.2x
EMP 160928 252296 1.6x
Total 11312816 21166544 1.9x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

Laxmi India Finance Profit & Loss

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 98 130 173 246
Other Income 1 1 2 2
Total Income 98 131 175 248
Total Expenditure 28 45 60 84
Operating Profit 70 86 115 164
Interest Expense 50 63 83 115
Depreciation 1 1 2 2
Profit Before Tax 20 22 30 47
Provision for Tax 5 6 7 11
Profit After Tax 15 16 22 36
Adjustments 0 0 0 0
Profit After Adjustments 15 16 22 36
Adjusted Earnings Per Share 4.6 4.4 5.7 8.6

Laxmi India Finance Balance Sheet

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 127 153 202 258
Minority's Interest 0 0 0 0
Borrowings 408 614 759 729
Current Liability 22 8 18 423
Other Liabilities & Provisions 2 4 6 3
Total Liabilities 558 779 985 1413
Loans 445 568 815 0
Investments 20 8 15 29
Fixed Assets 6 10 11 13
Other Loans 1 1 1 767
Other Non Current Assets 6 0 0 51
Current Assets 80 192 143 553
Total Assets 558 779 985 1413

Laxmi India Finance Cash Flow

#(Fig in Cr.) Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 52 47 95 42
Cash Flow from Operating Activities -19 -169 -224 -311
Cash Flow from Investing Activities -20 5 -7 -18
Cash Flow from Financing Activities 33 213 178 390
Net Cash Inflow / Outflow -5 48 -53 60
Closing Cash & Cash Equivalent 47 95 42 102

Laxmi India Finance Ratios

# Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 4.61 4.36 5.66 8.61
CEPS(Rs) 4.88 4.65 6.04 9.07
DPS(Rs) 0 0 0 0
Book NAV/Share(Rs) 39.85 41.64 50.78 61.58
Net Profit Margin 15.01 12.33 12.98 14.65
Operating Margin 71.25 65.53 65.3 65.93
PBT Margin 19.98 17 17.12 19.27
ROA(%) 2.62 2.39 2.55 3
ROE(%) 11.57 11.44 12.68 15.68
ROCE(%) 12.92 13 13.02 13.71
Price/Earnings(x) 0 0 0 0
Price/Book(x) 0 0 0 0
Dividend Yield(%) 0 0 0 0
EV/Net Sales(x) 3.73 3.59 3.88 4
EV/Core EBITDA(x) 5.18 5.41 5.86 6
Interest Earned Growth(%) 0 32.72 33.67 41.92
Net Profit Growth 0 9 40.69 60.24
EPS Growth(%) 0 -5.44 29.74 52.24
Interest Coverage(x) % 1.39 1.35 1.36 1.41

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 42% 36% 0% 0%
Operating Profit CAGR 43% 33% 0% 0%
PAT CAGR 64% 34% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 16% 13% 13% 13%
ROCE Average 14% 13% 13% 13%

Company Contact Information

Laxmi India Finance Ltd.

Sourabh Mishra

91 9773376198

investors@lifc.in

2 D F L, Gopinath Marg M I, Road

IPO Lead Manager(s)

Laxmi India Finance Ltd.

PL Capital Markets Pvt Ltd

Registrar Info

Laxmi India Finance Ltd.

MUFG Intime India Pvt Ltd.

C 101, 247 Park, LBS Marg, Vikhroli (W), Mumbai (Old Address:) C-13 Pannalal Silk Compound, L B S Marg, Bhandup Mumbai Maharashtra

+91 810 811 8484

91-022-49186060

rnt.helpdesk@in.mpms.mufg.com

https://in.mpms.mufg.com/

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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