Price Band
₹700 - ₹740
Lot Size
20
Issue Size
₹12500 Cr
GMP
N/A
Subscription
17.65x
IPO Schedule
Open
25 Jun 2025
Close
27 Jun 2025
Allotment
-
Listing
2 Jul 2025
About HDB Financial Services
HDB Financial Services is a leading Non-Banking Financial Company (NBFC) focused on providing a wide range of loans and financial services to retail and commercial clients across India. They offer products like personal loans, business loans, loan against property, and vehicle loans, primarily catering to the underserved segments of the market.
Key Strengths
- Strong Parentage: Benefit from the brand reputation and financial backing of HDFC Bank, providing a competitive advantage and access to resources.
- Extensive Branch Network: Wide geographical presence across India enables greater market penetration and customer reach.
- Diversified Product Portfolio: Offering a wide range of loan products reduces dependency on a single product and mitigates risk.
- Experienced Management Team: A seasoned management team with deep understanding of the financial services sector.
- Consistent Financial Performance: Demonstrated consistent growth and profitability over the years, reflecting operational efficiency.
Risk Factors
- •Asset Quality: Vulnerability to asset quality deterioration due to economic downturns or changes in borrower behavior, impacting profitability.
- •Regulatory Changes: Exposure to changes in regulations governing NBFCs, which could impact operations and profitability.
- •Competition: Intense competition from banks, other NBFCs, and fintech companies, potentially impacting market share and margins.
Valuation Analysis
The IPO is priced at a P/E of 27, which appears relatively high compared to some listed peers, indicating a premium valuation. Investors should carefully consider the growth prospects and potential risks associated with the company before investing.
IPO Details
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