HDB Financial Services Limited Unlisted Shares

Company’s Overview

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.

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.

Products of the Company

The current product portfolio consists of three main categories i.e. Loans, Fee-based products, and BPO services.

A) Loans

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 purpose.
Consumer Loans Portfolio includes:
1. Gold loan
2. Consumer Durable loan
3. Auto laons
4. Personal loans.
5. Loan against MFs.

Enterprise Loans:
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.

Asset Finance:
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.

B) Fee-based products
The company is registered Corporate Insurance Agents which sells Life and General insurance products of HDFC Life and HDFC Ergo to the clients.

C) BPO Service

Collection Service- The company has a contracted with HDFC bank to collect dues from the borrowers. The company has set up 13 call centers across the country with a capacity of 4500 seats.

Infrastructure

The company has 1165 branches in 831 cities in Indian as on 31st March 2018.

Latest News Section(Updated 19.02.2019)

HDB Financial Services Limited Unlisted Shares Details:

Total Available Shares:	500
Face Value:	₹ 10 Per Equity Share
ISIN:	INE756I01012
Lot Size:	100-500 Shares
Current Unlisted Share Price:	₹ Best in industry Per Equity Share

Promoters And Management:

1. Mr. Aditya Puri - Chairman & Non-Executive Director 2. Mr. Bhavesh Zaveri - Non-Executive Director 3. Mr. Jimmy Tata - Non-Executive Director 4. Ms. Smita Affinwala - Independent Director 5.Mr. Venkatraman Srinivasan- Independent Director 6. Mr. Ramesh G.- Managing Director and Chief Executive Officers.

Financials of HDB Financial Services Limited Unlisted Shares:

Year	Revenue(Cr)	PAT(Cr)	AUM	EPS	Book Value
2014	1,688.27	209.24	13560	4.32	31.70
2015	2,527.26	349.45	19290	6.63	44.68
2016	3,302.02	534.41	25906	7.64	50.87
2017	5714.54	698.77	34277	9.64	68.73
2018	7061.99	951.74	44469	12.18	79.22
2019	8724.81	1149.81	55455	14.63	91.36

UZ Financial Review 1. The Company has shown excellent Revenue Growth of 43% in the last 5 years. 2. The Company has shown excellent PAT Growth of 46% in the last 5 years. 3. The Company has excellent growth of AUM( Asset Under Management). As on 31st March 2018, they have close to 45000 Cr of the loan book. 4. The Company is paying good dividends. This year they have given a 9% dividend per share on FV=10. 5. The ratio of Gross non-performing assets to gross advances and net non-performing stands at 1.58% and 0.96% as on 31st March 2018. The company has a manageable NPAs level. Annual Results of FY18-19 1. The Company has shown a Revenue growth of 24.61% in FY18-19 as compared to last year. 2. The Company has shown a PAT growth of 23.72% in FY18-19 as compared to last year. 3. The EPS for FY18-19 stands at 14.63. 4. The Book Value per Share for FY18-19 stands at 91. The Price/Book Value at Current Unlisted Market rate of 1030 stands at 11.31. 5. The Gross NPA and Net NPA have gone up slightly this year to 1.78 and 1.12 respectively as compared to 1.58 and 0.96 last year.

HDB Financial Annual Report 2019 HDB Financial Annual Report 2018 HDB Financial Annual Report 2017

HDB Financial Annual Report 2016

Company Address:

Radhika, 2nd Floor, Law Garden Road, Navrangpura, Ahmedabad - 380 009 Tel No.: +91 79-30482717 Website: www.hdbfs.com Email: compliance@hdbfs.com CIN: U65993GJ2007PLC051028

Discussion on HDB Financial Services Limited Unlisted Shares:

HDB Financial quarter 3 net profit up 16% to Rs. 343 crore.

Net Interest Income up 29% to Rs. 1,050 crore.

For the quarter ended December 31, 2019,

(i) HDBFSL’s net interest income grew by 29.2% to Rs. 1,049.8 crore as against Rs. 812.6 crore in the previous quarter ended December 31, 2018.

(ii) Profit after tax for the quarter ended December 31, 2019 was grew by 16.5% to Rs. 343.1 crore as compared to Rs. 294.4 crore in the previous quarter ended December 31, 2018.

For the Nine months ended December 31, 2019,

(i) HDBFSL’s net interest income grew by 22.2% to Rs. 3,034.2 crore as against Rs. 2,483.3 crore in the previous nine months ended December 31, 2018.

(ii) Profit after tax for the Nine month ended December 31, 2019 was Rs. 770.6 crore compared to Rs. 820.0 crore in the previous nine month ended December 31, 2018.