HDB Financial Services, a subsidiary of HDFC Bank, is one of the leading names in the list of Non-Banking Financial Companies in India. HDB Financial Services, incorporated in 2007, caters to the growing needs of Aspirational India. With HDFC being the parent company, HDBFS has gained significant trust from investors on the fronts of the stock market and is generating profitable returns; some are still sceptical about buying the company’s unlisted shares. So let’s look at some of the key points to make the decision about buying HDB stocks.
Insights: HDB Financial Services
One of the most trusted names in the NBFCs, HDB Financial services has been a trusted lending & BPO service provider. The company is accredited with CARE AAA & CRISIL AAA ratings for its long-term debt & bank facilities. Along with this, HDBFS has an A1+ rating for its short-term debt & commercial papers, making it a strong and reliable financial institution.
Products/Services:
HDBFS has a reach in different areas, and it caters to both retail and commercial clients. The main products that the company deals with are Loans, Fee-based Products, and BPO Services.
Loans: The company provides customers with gold loans, auto loans, personal loans, etc. Enterprise loans are also provided to MSMEs to aid their financial needs.
Fee-based Services: The company also deals with insurance like general insurance and life insurance via their registered insurance agents.
BOP Service: HDBFS has connected with HDFC Bank to collect dues from borrowers by setting up 15 call centres nationwide.
Financial Performance:
The overall economic slowdown of the Indian economy led to a decrease in the loan book growth, and the company experienced only a 2.5% increase as compared to a 25% average growth in the year 2020-21, but the revenue figures painted a satisfactory picture. For the year 2021-22, the figure was Rs. 11306 crores, of which 8362 crores came out of lending and the remaining 2363 crore from BPO services. With such strong financial statements, the HDB financial unlisted share price has gained the trust of potential investors and stock market enthusiasts.
Financial Data
| Particulars | FY18 | FY19 | FY20 | FY21 | FY22 | YOY % FY22 | CAGR % FY22 |
| Net Sales | 7027.1 | 8724.8 | 10756.5 | 10944.8 | 11306.3 | 3.3 | 12.6 |
| Total Income | 7027.1 | 8724.8 | 10756.5 | 10944.8 | 11306.3 | 3.3 | 12.6 |
| Net Profit | 933 | 1153.2 | 1004.9 | 391.5 | 1011.4 | 158.3 | 2 |
| Shareholder Funds | 6040.4 | 7178.5 | 8017.8 | 8446.2 | 9539.7 | 12.9 | 12.1 |
| Total Assets | 45446.5 | 56540.3 | 60714.5 | 62641.1 | 62025.9 | -1 | 8.1 |
| EPS | 11.82 | 14.61 | 12.73 | 4.96 | 12.8 | 158.1 |
Reasons To Buy HDB Stocks
Several reasons make the HDB unlisted share price an attractive option for investors. A few of them are listed down below.
- Investment in HDB stocks can bring about diversification in the portfolio and prove to be an excellent long-term investment option.
- HDB’s financial share price is set to deliver better returns in the future with exponential growth, so buying HDBFS unlisted shares can be a good option.
- Investing in HDB stocks will be an investment with minimum risks as it is regulated by the Reserve Bank Of India, and is subjected to various laws, rules, and regulations.
- As the Indian economy is stepping up its game and strengthening its financial services, investing in HDB Financial Services unlisted stocks can be an excellent opportunity to make monetary benefits from India’s growth impetus.
Backed By The Trust Of HDFC Bank
Apart from all the above-listed reasons, the primary reason for the HDB financial share price to surge and give positive hope to the investors is its parent company: HDFC Bank. The strong presence of HDFC Bank has given an advantage to HDB stocks. Growing for more than 20 years, the bank has gained investors’ trust, making the unlisted shares of its subsidiary attractive to investors. As of now, HDB Financial unlisted share price stands at ₹ 680 Per Equity, with a face value of ₹ 10 Per Equity Share.
| Total Available Share | 500 |
| Face Value | Rs. 10 per equity share |
| ISIN | INE756I01012 |
| Lot Size | 25 Shares |
| Current Unlisted Share Price | Rs. 680 Per Equity Shares |
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