HDB Financial Services Limited
- Minimum Investment₹14,000
- Price Range₹700 - ₹740
- Issue Size₹12,500.00 Cr
- Lot Size20 shares
Proceeds of this IPO to be used for
Gross proceeds of the fresh issue
Augmentation of the company’s Tier – I capital base to meet the company’s future capital requirements including onward lending under any of the company’s business verticals i.e. Enterprise Lending, Asset Finance and Consumer Finance
Company expects to receive the benefits of listing of the equity shares on the stock exchanges, including enhancement of company’s brand name and creation of a public market for its equity shares in India.
Strengths & Weaknesses of HDB Financial Services Limited
Diversified product portfolio
The company's product portfolio includes 13 lending products across three business areas: Enterprise Lending, Asset Finance, and Consumer Finance. The offerings vary by loan type, customer type, tenure, and interest rate
Pan-India distribution network
The company's physical sourcing network includes internal and external distribution channels, along with digital capabilities. It has a pan-India presence, with no region representing more than 35% of total gross loans as of September 30, 2024
Rrobust credit underwriting and strong collections
The company's credit risk management framework focuses on strong underwriting and collections, driving sustainable growth
Downturn in macroeconomic environment
The company is a retail-focused NBFC offering a diversified lending portfolio, with all operations, assets, and customers based in India. Its financial performance is closely tied to the condition of the Indian economy
Rely on trademark licence agreement
The company relies on a trademark license agreement with HDFC Bank to use its logo. Any termination of this license or damage to the HDFC Bank brand could significantly impact its brand, business, financial condition, and operations
Volatility in interest rates
Volatility in interest rates could lead to a decline in Net Interest Income and Net Interest Margins, negatively affecting the company's business, operations, cash flows, and financial condition
Financials
Earnings Per Share
No Data
Balance Sheet
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Total Debt to Equity | -- |
Cash Flow
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About HDB Financial Services Limited
- PromoterHDFC Bank Limited