HDB Financial Service

-7.44 % 1 M

As of May 14, 2025, HDB Financial Service share price is INR 995.00 per share and the face value is INR 10.00 per share. The lot size of HDB Financial Service is 0 shares. The 52 week high for HDB Financial Service is INR 1,525.00, while the 52 week low is INR 995.00

About HDB Financial Service

A Comprehensive Overview of Price & Journey
Understanding HDB Financial Service Inception and Growth
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About HDB Financial Service

IPO Details, Price movement

Performance Highlights

  • Total revenue grew by 14.26% from INR 12,403 Crore in FY23 to INR 14,171 Crore in FY24, driven by a healthy increase in its loan book.

  • Profit after tax rose by 25.60% to INR 2,461 Crore in FY24, compared to 1,959 Crore in FY23.

  • Increase in operating profit by 25.78% to 3,305 crores. 

  • HDBFS witnessed a remarkable 42% Y-o-Y growth in disbursements as comparison to FY23.

  • HDBFS expanded its presence by increasing its branches from 1,374 in FY22, to 1,492 IN FY23.

  • There is increase in AUM from INR 70,084 crore in FY23 to 90,235 crore in FY24.

  • Total Income increased by 14% in FY24 and 10% in FY23 Y-o-Y.

  • There is decrease in GNPA from 4.99% in FY22 to 1.90% in FY24.

  • There is decrease in NNPA from 2.45% in FY22 to 0.63% in FY24.

IPO Plans

As per, The Chief Finance officer of HDFC Bank, Srinivasan Vaidyanathan, has indicated the initial public offerings (IPO) of HDB Financial Services is likely to begin in coming months. According to him, the IPO’s listing requirement is set for September 2025, and the intention is to initiate necessary the necessary activities in the next few months to ensure flexibility and optimal market timing. The HDB Financial Services share price will be closely watched as these plans unfold, with market conditions playing a crucial role in determining the timing of the IPO.

Industry Matrices

  • There is a increase in demand for NBFC’s as India’s economy continues to grow at faster rate despite pandemic and global recessions, consistently exceeded 7% since FY 2021-22, with projections indicating similar growth for FY 2024-25.

  • Conservative estimates by the International Monetary Fund (IMF) suggest that India will emerge as the world’s third-largest economy by 2027.

  • The NBFC sector in India has undergone significant transformations, marked by growth, regulatory changes, and technological advancements.

  • The sector has a expected CAGR of 18.5% between 2021 and 2026 for NBFC’s after having challenges.

  • Incremental funding requirement (over and above the refinancing of existing/maturing debt) is estimated at around Rs. 3.0 trillion annually in FY2024 and FY2025.

  • The Retail AUM of NBFCs (NBFC-Retail; excluding HFCs) continued the growth momentum in Q2 FY2024, expanding 29% YoY.

  • As of September 2023, NBFCs in the country have disbursed loans amounting to over 450 billion U.S.D.

  • As per ICRA, the NBFC-Retail AUM growth rate in FY23 was 16-18% in FY23 and 12-14% in FY24.

CSR

  • As a responsible corporate citizen, HDBFS is dedicated to making a positive impact on the communities where it operates through comprehensive Corporate Social Responsibility (CSR) initiatives.

  •  Over the year, the Company has expanded its CSR footprint by investing in areas that promote affordable healthcare, safe hygiene, education, livelihoods, and environmental sustainability.

  •  It has disbursed 29.41 crore to CSR programmes and activities in underserved regions across 129 districts in 22 states and 2 union territories. 

  • Through 35 focussed interventions, implemented in collaboration with grassroots organisations, over 1,34,000 individuals have directly benefitted, driving transformative change and fostering a resilient society.

Key Initiatives:

  • Digital Pre-Approved Offers: Instant loans for eligible customers.

  • Aadhaar Card: Loyalty cards for streamlined benefits.

  • Jiffy loan: Quick personal loans through digital process and Disbursed in 2 hours.

  • WhatsApp Loan Application: Instant loan applications via WhatsApp.

Management Team

  • RAMESH GANESAN - Managing Director

Shareholding in the company - 0.09 %

  • HAREN PAREKH - Chief Financial Officer

Shareholding in the company - 0.04 %

  • DIPTI KHANDELWAL - Company Secretary

  • ADAYAPALAM KUMARASWAMY VISWANATHAN - Director

  • AMLA ASHIM SAMANTA - Director

  • SMITA CAWAS AFFINWALLA - Director

  • VENKATRAMAN SRINIVASAN - Director

Dividend Info

The Specific final dividend per share figure for 2024 is Rs. 1.00 & Interim Dividend paid by the company during the year 2024 is Rs. 2.00.

(Data source: Annual Report: Page 293)

Competitors Analysis

  • Arohan Financial Services: Unlisted

  • Bajaj FinServ : Listed

  • Bajaj Finance: Listed

  • Cholamandalam Investments and Finance: Listed

  • ICL Fincorp: Unlisted

  • Hero Fincorp: Unlisted

  • Tata Capital: Unlisted

  • Maxvalue Credits and Investments: Unlisted

  • Motilal Oswal Home Finance: Unlisted

  • Muthoot Finance: Listed

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Fundamentals

Market Cap (in cr.)
₹ 789134500000
P/E Ratio
0.07
P/B Ratio
4.99
Debt to Equity
0.00
ROE (%)
103.12
Book Value
199.59
Face Value
10.00
Total Shares
793100000
Category
Up-coming IPO's
Unlisted CMP
₹ 0 / Share
Lot Size
0 Shares
52 Week High
₹1,525.00
52 Week Low
₹995.00
Depository
NSDL & CDSL
PAN Number
AABCH8761M
ISIN Number
INE756101012
CIN
U65993GJ2007PLC051028
Sector
Financials

Financials

P&L Statement 2021 2022 2023 2024
Revenue 10945.00 11306.00 12403.00 14171.00
Other Income - - - -
COGS - - - -
Gross Profit 10944.80 11306.30 12402.90 14171.10
Total Expense 6453.40 6534.30 6151.70 5857.00
EBIDTA 4491.40 4772.00 6251.20 8314.10
D&A 107.80 98.90 111.80 145.10
EBIT 4383.60 4673.10 6139.30 8169.00
Interest Expense 3882.90 3325.50 3511.90 4864.30
PBT 500.70 1347.60 2627.40 3304.70
TAX 109.20 336.20 668.10 843.80
PAT 391.50 1011.40 1959.40 2460.80
Diluted EPS 4.97 12.80 24.76 31.04
Basic EPS 4.97 12.81 24.78 31.08
Total income 10,945.00 11,306.00 12,403.00 14,171.00
ASSETS
CURRENT ASSETS 2021 2022 2023 2024
Cash and Cash Equivalents 753.51 477.20 395.90 647.85
Trade Payables 117.32 141.82 65.76 124.61
Inventory - - - -
Other Current Assets 60666.43 59768.08 68084.05 90197.56
Total Current Assets 61,537.26 60,387.10 68,545.71 90,970.02

NON CURRENT ASSETS 2021 2022 2023 2024
Plant Property and Equipment 91.52 78.14 122.37 162.53
Long Term Investment - - - -
Other Non Current Assets 1012.28 1560.70 1382.31 1423.86
TOTOAL NON CURRENT ASSSETS 1,103.80 1,638.84 1,504.68 1,586.39

Total Assets 62,641.06 62,025.94 70,050.39 92,556.41

CURRENT LIABILITES 2021 2022 2023 2024
TRADW Payable 334.25 246.91 291.84 509.00
Other Current Liab 53246.40 51681.80 57643.74 77290.94
Total Current Liab 53,580.65 51,928.71 57,935.58 77,799.94

NON CURRENTLIABILITIES 2021 2022 2023 2024
Long Term Debt - - - -
Deffered Tax Liab - - - -
Other Non Current Liab 614.16 557.50 677.74 1014.09

LIABILITIES
EQUITY 2021 2022 2023 2024
Share Capital 789.19 790.44 791.40 793.08
Reserves And Surplus - - - -
Other Equity 7657.05 8749.29 10645.57 12949.63
Retained Earnings - - - -
share Equity 8,446.24 9,539.73 11,436.97 13,742.71

Total Liabilities 9,060.40 10,097.23 12,114.71 14,756.80

CASH FLOW STAT 2021 2022 2023 2024
Cash Flow from operating -341.75 1987.10 -6850.61 -16736.04
Cash Flow from financing 607.93 -1499.54 5795.99 19133.55
Cash Flow from investing 131.38 -703.28 973.32 2145.56
Net cash flow 397.56 -215.72 -81.30 4,543.07

Revenue Growth
PAT Growth %
EPS Growth %
TOTAL ASSETS Growth %
QUICK RATIO Growth %
LONG TERM DEBT TO EQUITY RATIO Growth %
Shareholding Pattern
2025
Name Designation Share %
HDFC Bank Limited (Holding Company And Promoter) NA 94.84%
Others NA 5.16%
Events
Name Date Details
No events available.
Promoters or Management
Name Designation Linkedin Profile
Arijit Basu Chairman
Ramesh G MD & CEO

Frequently Asked Questions

3. What is the lock-in period of HDB Finacial Service/Pre-IPO shares after the shares gets listed?

The lockin period is of 6 months for pre-ipo investors i.e. they cannot sell their shares for 6 months after they get listed. However, they can definitely sell the shares in pre-ipo market before they get listed.

4. What is the average ticket size for investing in unlisted shares?
5. How to check credit of HDB Finacial Service /Pre-IPO shares?
6. How is valuation of HDB Finacial Service /Pre-IPO shares is decided?
9. Difference Between Unlisted Company & Listed Company?
10. Short-term Capital Gain taxes to be paid on Unlisted Shares/Pre-IPO shares?
11. Long-term Capital Gain taxes to be paid on Unlisted Shares/Pre-IPO shares?
12. Applicability of Taxes on Unlisted Shares/Pre-IPO shares once it is listed?
13. IS PRE IPO market same as grey market?
14. Who sells private shares?
15. Investing in HDB Finacial Service Limited legal in India?

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