Laxmi India Finance ipo date, Share Price Target Tomorrow, 2025, 2026, 2030
Laxmi India Finance is a financial institution that assists individuals in small towns and villages in obtaining loans. It offers various types of loans, including those for small businesses, used cars, bikes, tractors, and electric vehicles, as well as loans for building or purchasing a house, and loans without collateral for personal or business use. The company has many branches in different states in North and Central India. The company is growing well, and most of its loans are given to small business owners.
- 1 What is the Laxmi India Finance Ltd IPO?
- 2 Laxmi India Finance IPO Details
- 3 Laxmi India Finance share price Target Tomorrow
- 4 Laxmi India Finance Price Target 2025
- 5 Laxmi India Finance share price Target 2026
- 6 Share price Target 2027
- 7 Share price Target 2028
- 8 Share price Target 2029
- 9 Laxmi India Finance share price Target 2030
- 10 Share price Target 2040
- 11 Share Price Target 2050
- 12 Should I buy Laxmi India Finance stock?
- 13 Laxmi India Finance earnings results (Financials)
- 14 Is Laxmi India Finance stock good to buy? (bull case & bear case)
- 15 Laxmi India Finance IPO Promoter Holding
- 16 Objects of the Issue (Laxmi India Finance IPO Objectives)
- 17 Laxmi India Finance ipo gmp
- 18 Conclusion
- 19 FAQs
What is the Laxmi India Finance Ltd IPO?
Laxmi India Finance is a non-banking financial company established in 1996 in Jaipur and is currently run by Deepak Biyani and his team. The company mainly gives loans to small businesses, and also provides vehicle and construction loans. Over the years, it has grown its network to over 150 branches across Rajasthan, Gujarat, Madhya Pradesh, Chhattisgarh, and Uttar Pradesh. By March 2025, it had given out loans worth ₹1,277 crore, with most of them going to small businesses. The company is doing well financially, earning ₹245 crore in revenue and ₹36 crore in profit in the financial year 2025. It is showing steady growth and a strong focus on helping small borrowers.
Laxmi India Finance IPO Details
| IPO Date | Share Holding Pre-Issue |
| Listing Date | [.] |
| Face Value | ₹5 per share |
| Price Band | ₹150 to ₹158 per share |
| Minimum Investment | ₹14100 |
| Lot Size | 94 Shares |
| 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 |
It is a finance company that has been growing well. It runs its business smoothly and has improved its daily cash needs. The company makes a decent profit from its investments, but it also has some problems, like a low ability to pay interest on its loans and average returns for its investors. It has taken loans to grow, but has also increased its savings and total assets. The company doesn’t give dividends right now, but its strong performance shows that it is focusing on growing and improving its business.
| Day | Minimum Price (Rs) | Maximum Price (Rs) |
| Tomorrow | -13 | +40 |
Laxmi India Finance Price Target 2025
It gets money government and private banks, small finance banks, and other financial companies. It has lowered the cost of borrowing money by improving its credit ratings and building better relationships with lenders. It follows strong safety rules to manage risk, with careful checks and reviews before giving loans. Most of its loans are paid by valuable assets, and the amount they lend is usually much less than the value of those assets, showing they lend carefully and safely. In 2025, its share price target would be ₹251, as per our analysis.
By our prediction, its share price would be between ₹110 to ₹251 in 2025.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2025 | 110 | 251 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| July | 130 | 190 |
| August | 121 | 200 |
| September | 110 | 219 |
| October | 165 | 225 |
| November | 175 | 238 |
| December | 180 | 251 |
It uses special software to get up-to-date information, do background checks automatically, and approve loans more quickly. To make sure the borrower is genuine, it also visits their home or business and checks the value of anything offered as security for the loan. The company also uses a system where another person shares the loan and someone else promises to pay if needed, which helps make sure the loan gets paid back. Fewer of its loans go unpaid compared to other lenders, which means it handles risky loans better and keeps its finances more secure. In 2026, its share price target would be ₹390, as per our prediction.
Its share price would be between ₹230 to ₹390 in 2026, as per our analysis.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 230 | 390 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 230 | 282 |
| February | 239 | 290 |
| March | 235 | 300 |
| April | 242 | 311 |
| May | 251 | 319 |
| June | 255 | 328 |
| July | 267 | 342 |
| August | 274 | 356 |
| September | 280 | 365 |
| October | 284 | 370 |
| November | 282 | 378 |
| December | 310 | 390 |
It has built a strong presence in rural areas where people usually don’t have easy access to loans or banking services. It does this by opening many branches and reaching out to customers in different ways, such as using its own sales staff, partner agents, and online platforms. The company mainly gives loans to small businesses and for buying vehicles. To connect with more people, it uses both in-person visits and digital tools like social media, text messages, and automated phone calls. In 2027, its share price target would be ₹520, as per our analysis.
By our prediction, its share price would be between ₹368 to ₹520 in 2027.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2027 | 368 | 520 |
It uses a hub-and-branch system to make its work easier, save money, and help customers get loans more easily, especially in small towns and villages. In this system, each main hub supports the smaller branches nearby by handling important tasks like giving out loans, checking credit, and approving loans. The hubs have trained staff like credit managers, sales teams, and people who collect payments, which helps the company make faster decisions and work better. In 2028, its share price target would be ₹670, as per our prediction.
Its share price would be between ₹470 to ₹670 in 2028, as per our analysis.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2028 | 470 | 670 |
The company has been given a credit rating of ‘A- Stable’ by Acuite Ratings for its bank loans and borrowings. Over time, the company’s earnings from its business and its profits have steadily increased, showing that it is doing well. This steady growth means the company is expanding while keeping costs low and making good profits. This good financial performance shows the company is well managed, growing in the market. In 2029, its share price target would be ₹800, as per our analysis.
By our prediction, its share price would be between ₹642 to ₹800 in 2029.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2029 | 642 | 800 |
The company gives different kinds of loans to help small businesses, self-employed people, and regular customers. These include MSME loans, vehicle loans, and construction loans. Most of the MSME loans meet the rules for Priority Sector Lending, which supports small business growth. For MSMEs, the company gives loans that are backed by a house or shop as security. It also gives loans to buy vehicles like two-wheelers, tractors, and commercial vehicles for personal or business use. In 2030, its share price target would be ₹1009, as per our prediction.
Its share price would be between ₹784 to ₹1009in 2030, as per our analysis.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2030 | 784 | 1009 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 784 | 868 |
| February | 797 | 884 |
| March | 809 | 898 |
| April | 818 | 911 |
| May | 825 | 921 |
| June | 836 | 930 |
| July | 854 | 937 |
| August | 860 | 949 |
| September | 863 | 958 |
| October | 870 | 979 |
| November | 887 | 990 |
| December | 911 | 1009 |
The company is growing well in the loan business, mainly giving loans to small businesses and for vehicles. These two types of loans make up most of the money it has lent. It has many customers, and a lot of them are taking a loan for the first time. The company keeps opening more branches, with offices in states like Rajasthan, Gujarat, Madhya Pradesh, and Chhattisgarh, most of them in Rajasthan. It gets money to lend from many places, like government banks, private banks, small finance banks, and other finance companies. In 2040, its share price target would be ₹2501, as per our analysis.
By our prediction, its share price would be between ₹2214 to ₹2501 in 2040.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2040 | 2214 | 2501 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 2214 | 2300 |
| February | 2221 | 2309 |
| March | 2228 | 2317 |
| April | 2239 | 2328 |
| May | 2242 | 2337 |
| June | 2250 | 2351 |
| July | 2261 | 2367 |
| August | 2270 | 2378 |
| September | 2265 | 2400 |
| October | 2289 | 2421 |
| November | 2321 | 2458 |
| December | 2380 | 2501 |
The company also gives construction loans to people who want to build or improve their business. It has more and more customers, with many taking a loan for the first time. Its branches are spread across Rajasthan, Gujarat, Madhya Pradesh, and Chhattisgarh, with most of them in Rajasthan. The company gets funds from different sources like public and private banks, small finance banks, and NBFCs. Its main strengths are giving loans to small businesses, managing risks well, and reaching people in small towns and villages. In 2050, its share price target would be ₹5211, as per our prediction.
Its share price would be between ₹4815 to ₹5211 in 2050, as per our analysis.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2050 | 4815 | 5211 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 4815 | 4911 |
| February | 4820 | 4929 |
| March | 4831 | 4938 |
| April | 4840 | 4945 |
| May | 4844 | 4967 |
| June | 4852 | 4978 |
| July | 4860 | 4986 |
| August | 4890 | 5050 |
| September | 4935 | 5089 |
| October | 4987 | 5132 |
| November | 5024 | 5156 |
| December | 5090 | 5211 |
Should I buy Laxmi India Finance stock?
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2025 | 110 | 251 |
| 2026 | 230 | 390 |
| 2027 | 368 | 520 |
| 2028 | 470 | 670 |
| 2029 | 642 | 800 |
| 2030 | 784 | 1009 |
| 2040 | 2214 | 2501 |
| 2050 | 4815 | 5211 |
The company is growing, especially in rural areas, and has over 150 branches in India. It’s making more money by offering loans to small businesses and people who want to buy vehicles. But, there are some risks, like facing competition from bigger financial companies and having low returns on its investments. The company’s focus on smaller, less-served areas is promising, but its small size and lack of dividend payments might not appeal to everyone. It could be a good option for people looking for long-term growth in a specific market, but those wanting quick profits or regular income might want to be more cautious.
Laxmi India Finance earnings results (Financials)
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
| Sales + | 89 | 98 | 130 | 173 | 246 |
| Expenses + | 21 | 28 | 45 | 60 | 84 |
| Operating Profit | 68 | 70 | 85 | 113 | 162 |
| OPM % | 77% | 71% | 65% | 65% | 66% |
| Other Income + | 0 | 1 | 1 | 2 | 2 |
| Interest | 50 | 50 | 63 | 83 | 115 |
| Depreciation | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 18 | 20 | 22 | 30 | 47 |
| Tax % | 41% | 25% | 27% | 24% | 24% |
| Net Profit + | 10 | 15 | 16 | 22 | 36 |
| EPS in Rs | |||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Is Laxmi India Finance stock good to buy? (bull case & bear case)
Bull Case:
- Net profit went up 88% in Q4 FY25, showing the company is making a lot more money.
- Total yearly income grew 42%, meaning it’s giving more loans and earning more.
- The company has no debt, so it doesn’t have to worry about paying interest.
- Profit margin is strong at 46%, so it’s keeping a big share of what it earns.
- Promoters still own 47% of the company, which shows they trust its future.
Bear Case:
- Return on equity is only 6%, which means it’s not using its money very efficiently.
- It’s a small company with low trading, so it can be hard to buy or sell shares quickly.
- Bigger NBFCs can take away market share because they have more money and reach.
Laxmi India Finance IPO Promoter Holding
Deepak Baid, Prem Devi Baid, Aneesha Baid, Hirak Vinimay Private Limited, Deepak Hitech Motors Private Limited, Prem dealers Private Limited and Vivan Baid Family Trust are the promoters of the company.
| Share Holding Pre-Issue | 89.05% |
| Share Holding Post Issue | — |
Objects of the Issue (Laxmi India Finance IPO Objectives)
- The company will use ₹177.00 crores to augment its capital base to meet future capital requirements towards onward lending.
Laxmi India Finance ipo gmp
| Date | IPO GMP | GMP Trend | Kostak | Subject to |
| 24 July | ₹- | – | ₹- | ₹- |
| 23 July | ₹- | – | ₹- | ₹- |
| 22 July | ₹- | – | ₹- | ₹- |
Conclusion
It is a company that gives loans mainly to small businesses, vehicles, and construction projects, especially in smaller towns and villages. It has more than 150 branches in different states. The company gives smaller loans that are paid by valuable assets, which helps it manage risks well. Even though it faces some challenges, like competition from bigger companies and lower returns, it has been making good profits and has smart plans for future growth. This makes it a good option for people looking to invest in the growing finance market in rural areas.
