(i) HDB Financial Services (HDBFS) is a leading Non-Banking Financial Company (NBFC) that caters to the growing needs of an aspirational India, serving both Retail & Commercial Clients. It is a Systemically Important Non-Deposit taking Non-Banking Financial Company (‘NBFC’).
(ii) Incorporated in 2008, they are a well-established business with strong capitalization. HDBFS is accredited with CARE AAA & CRISIL AAA ratings for its long-term debt & Bank facilities and an A1+ rating for its short-term debt & commercial papers, making it a strong and reliable financial institution.
(iii) Products of the Company: The current product portfolio consists of three main categories i.e. Loans, Fee-based products, and BPO services.
Consumer Loans – The Company provides White loans( Washing Machine and Refrigerator), Brown loans( such as televisions, audio equipment, and similar household appliances, etc) and digital products( such as Mobile Phones, Computer, and Laptops). The company also provides loans for household purposes.
Consumer Loans Portfolio includes:
1. Gold loan
2. Consumer Durable loan
3. Auto loans
4. Personal loans.
5. Loan against MFs.
Small and Medium Enterprise needs funding either for Working Capital, buying a new bid, or setting up a new plant. The company offers secured and unsecured loans to these SMEs.
The company provides loans to purchase a new and old vehicle or the vehicles which generate income for the borrowers such as Truck, Tractors etc.
The company is registered Corporate Insurance Agents which sells Life and General insurance products of HDFC Life and HDFC Ergo to the clients.
Collection Service- The company has a contracted with HDFC bank to collect dues from the borrowers. The company has set up 15 call centers across the country with a capacity of 5000 seats.
As of March 31, 2020, HDB Financial Services had 1,468 branches in 1,070 cities across India.
The Company has 1,468 branches in 1,070 cities in India as on March 31, 2020.
Despite the challenges posed by the pandemic, HDB Financial Services has continued to grow and innovate, and remains one of the leading NBFCs in India.
|Total Available Shares:||500|
|Face Value:||₹ 10 Per Equity Share|
|Lot Size:||25 Shares|
|Current Unlisted Share Price:||₹ 650 Per Equity Share|
|Net Interest Margins||8.17%||8.81%||7.9%||7.20%||6.20%|
|Particulars (in Cr)||June-23||June-22|
|Employee Benefit Expenses||1028||1005|
|Income Before Provisioning||1285||1188|
|Income After Provisioning||1019||790|
Please find below the procedure for buying HDB Financial Services Limited Unlisted Shares at UnlistedZone.
Please find below the procedure for selling HDB Financial Services Limited Unlisted Shares at UnlistedZone.
Lock-in period of HDB Financial Services Limited Unlisted Shares depends upon category of investors.
DIS - Delivery Instruction Slip is the way through which an investor can sell or transfer the HDB Financial Services Limited Unlisted Shares from his/her demat account to any other demat account. There are two Types of DIS Slip.
In the last 4-5 years, the unlisted share market has become quite big and as a result of that, the ticket size has reduced from usual 5-10 Lac to 35-50k in today's scenario. So, via our UnlistedZone platform, if somebody wants to buy HDB Financial Services Limited Unlisted Shares then minimum investment would be 35-50k.
Yes, buying and selling of unlisted shares in India is 100% legal.
If you sell your shares within 2 years, then you will have to pay Short-term Capital gain on unlisted shares. Short-Term Capital Gain is added in your Income. So, as per individual tax slab you need to pay capital gain tax.
If you sell your shares after 2 years, then you will have to pay Long-term Capital gain on unlisted shares LTCG is 20% with indexation benefits.
After listing of shares, the unlisted shares which you have bought through unlisted market, will be taxed at listed rates, if sold through exchange. So, taxes of listed market will be applicable. And, to calculate holding time, for determining LTCG or STCG, the purchase date of unlisted shares will be applicable.
If you buy HDB Financial Services Limited Unlisted Shares from UnlistedZone then these shares can checked in two ways. However, before we tell you the process of checking of shares, it is intimated that as per SEBI regulations, the shares can be transferred in demat account only.
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The HDB Financial Services Limited Unlisted Shares are credited in demat account same day of transferring funds in our company's bank account.
The price of HDB Financial Services Limited Unlisted Shares can be checked in two ways. First, you can join our telegram channel where on daily basis we share the latest prices of all the unlisted shares in the morning and secondly, you can register on UnlistedZone.live platform to see the historical graphs and prices of all the shares at one place.
If you see the thesis of investment in the unlisted shares then it is being done mainly to take the advantage of IPO market. And, if the IPO plans of company get delayed due to market conditions or any other reason then demand suddenly drops in the market. The unlisted market works mainly on demand and supply and if there is no IPO news then getting exit would be difficult.
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We at UnlistedZone do the valuation based on 2 methods.
As an investor in the unlisted space, we would always recommend that you must check all the risk parameter carefully before investing in the unlisted space.
We source shares either from the employees or initial investors looking to liquidate their HDB Financial Services Limited Unlisted Shares.
Pre-IPO shares means which are planning for an IPO in near future. So, all the shares which are traded on the platform are not Pre-IPO Shares. However, if the company's business is going good and then demand will always be there in the unlisted space, so even if the IPO does not come, the investors can easily liquidate their HDB Financial Services Limited Unlisted Shares in the unlisted market itself.
Rules and regulations of SEBI are applicable in the Unlisted space like lock-in period of 6 months, paying of Stamp Duty, and DP Charges for every transaction etc. However, to become an unlisted broker there is no such regulation by SEBI as of yet.
For tracking news and other information about HDB Financial Services Limited Unlisted Shares, one can visit our website wherein we post news and other information on daily basis and one can also join our telegram channel.