(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.

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 purposes.

Consumer Loans Portfolio includes:

1. Gold loan

2. Consumer Durable loan

3. Auto loans

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.

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.

BPO Service

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.

Infrastructure

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.

Major events in the history of HDB Financial Services Unlisted Shares:

a) 2007: HDB Financial Services is incorporated as a non-banking financial company (NBFC) in Mumbai, India.

b) 2008: The company launches its first product, a loan against property.

c) 2010: HDB Financial Services introduces personal loans and two-wheeler loans.

d) 2012: The company expands its product portfolio to include commercial vehicle loans, gold loans, and loan against securities.

e) 2015: HDB Financial Services becomes a subsidiary of HDFC Bank.

f) 2016: The company launches credit cards and enters the insurance distribution business.

g) 2017: HDB Financial Services crosses the milestone of 1 million customers.

h) 2018: The company partners with fintech startups to enhance its digital capabilities.

i) 2019: HDB Financial Services crosses the milestone of 10,000 employees and launches a new brand identity.

j) 2020: The COVID-19 pandemic impacts the company's operations and financial performance, but HDB Financial Services adapts quickly by launching new digital products and services.

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.

Notable achievements of the HDB Financial Services Unlisted Shares:

a) HDB Financial Services has a strong presence in both urban and rural areas of India, with over 1,400 branches across the country.

b) The company has a diversified portfolio of financial products and services, including personal loans, business loans, auto loans, loan against property, gold loans, and credit cards.

c) HDB Financial Services has a customer-centric approach, and has been recognized for its excellent customer service. In 2019, the company won the ET BFSI Award for "Excellence in Customer Service".

d) The company has a strong digital presence and has been recognized for its innovative use of technology. In 2020, HDB Financial Services won the IDC Digital Transformation Awards for "Excellence in Omni-Experience Innovation".

e) HDB Financial Services has a robust risk management framework and has been recognized for its sound risk management practices. In 2020, the company won the ERM World Summit Award for "Best Risk Management Framework Implementation in Financial Services".

f) The company has a strong focus on sustainability and corporate social responsibility (CSR), and has been recognized for its CSR initiatives. In 2020, HDB Financial Services won the Golden Peacock Global Award for "Corporate Social Responsibility".

Note: Check the Latest HDB Financial Services Unlisted Shares Price at UnlisteZone Android or iOS Mobile App.

Financial Performance of HDB Financial Services Unlisted Share 2022-23

1. Asset Under Management (AUM) of the company as on 31st March 2023 increased to 66,383 from 61,444 in the previous year.

2. The Company has earned Revenue of 12,403 Crore. Lending business contributes 9,769 Crore and BPO services contribute 2633.9 Crore.

3. The outstanding borrowing of the company amounts to 24,227.8 Crore as on March 2022-23.

4. PAT has increased from 1,011 Crore to 1,959 Crore.

5. The EPS for 2022-23 is 25. 6. As per 2022-23, Book Value stands at 145

Financial Performance of HDB Financial Services Unlisted Share 2021-22

1. In FY21-22, the loan disbursements were 29,033 crores as against 24,000 crores in the previous year.

2. The Assets under Management (AUM) of the Company as of March 31, 2022, decreased to 61444 crores from 61560 crores in the previous year. Secured loans - 44,662.81 (76%) Unsecured Loan - 13,768.14 (24%)

3. As of March 31, 2022, the outstanding borrowings of the Company amounted to 19,501.72 crores which they sourced from Public Sector Banks, Private Sector Banks, Mutual Funds, Insurance Companies, Financial Institutions, etc.

4. In FY21-22, the company has earned a revenue of 11306 Cr. Out of which lending contributes 8362 Cr and BPO contributes 2363 Cr.

5. The EPS for FY21-22 stands at 12 per share

6. The Book Value per Share for FY21-22 stands at 120.

Financial Performance of HDB Financial Services Unlisted Share 2020-21

1. FY20-21 was a tough year for the Indian economy owing to the challenges faced due to COVID-19. Due to which the loan book growth this year is slow and grew by mere 2.5% which was used to be at 25% average.

2. Lending business grow by 3.2% and BPO services degrow by 5% in FY20-21 as compared to last year.

3. The debt-equity ratio of the Company as per the audited standalone financial results by statutory auditors for the year ended 31 March 2021 is 6.53.

4. The rating for bank facility, NCD, Short-term debt, Sub-ordinate debt, & Perpetual bond are "Stable" and good quality.

5. PAT has reduced from 1000 Crores to 391 Crores in FY20-21 mainly on account of "impairment of financial instruments" which has increased from 144 Crores to 306 Crores as more bad loans are created due to COVID-19.