{"id":22545,"date":"2024-06-28T00:00:00","date_gmt":"2024-06-27T20:00:00","guid":{"rendered":"https:\/\/stockify.net.in\/?p=22545"},"modified":"2025-02-03T14:49:43","modified_gmt":"2025-02-03T10:49:43","slug":"we-are-ready-just-that-hdb-officer-reveals-ipo-plans","status":"publish","type":"post","link":"https:\/\/tester-hub.com\/stockifyfintech\/blog\/we-are-ready-just-that-hdb-officer-reveals-ipo-plans\/","title":{"rendered":"\u2018We Are Ready Just That\u2026.\u2019 HDB Officer Reveals IPO Plans."},"content":{"rendered":"\n<p>HDB Financial Services is waiting for approval from its parents HDFC Bank before going forward with their listing process. HDB plans to open around 200 branches in the current fiscal year as the NBFC aims to grow its loan book and operations.<\/p>\n\n\n\n<p>&#8220;We are ready; it&#8217;s just that when we will be asked to, the parent decides something &#8211; this is one of those,&#8221; said Rohit Patwardhan, chief credit officer at HDB Finance. &#8220;It (IPO) is still in early stages but from a readiness standpoint since we are debt listed as far as compliance, documentation, and reporting are concerned, we are there.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-hdb-plan-to-grow-its-operations\"><strong>How Does HDB Plan To Grow Its Operations?<\/strong><\/h2>\n\n\n\n<p>HDB Finance is looking to increase its current branch presence as it prepares to penetrate deeper into geographies with microfinance products. It has 1,600 branches at the moment.<\/p>\n\n\n\n<p>&#8220;We will continue to increase our branch presence as we proceed, for the current financial year we are looking to add anywhere between 150 and 200 branches,&#8221; he said.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rbi-new-regulations-and-hdb-s-response\"><strong>RBI New Regulations<\/strong> <strong>and HDB\u2019s Response<\/strong><\/h2>\n\n\n\n<p>In 2024 RBI observed high growth in certain components of consumer credit. To control this growth, RBI released a <a href=\"https:\/\/rbi.org.in\/scripts\/FS_Notification.aspx?Id=12567&amp;fn=2&amp;Mode=0\">notification<\/a> on 24th Nov,2023 directing banks &amp; NBFCs to set aside more capital as risk-weighted assets. This applies to unsecured personal loans, credit cards, and lending to NBFCs.  <\/p>\n\n\n\n<p>HDB said that they won\u2019t need to worry about the increasing risk weights on the unsecured loans as it has a well-balanced book where secured has a lot of growth avenues. As per the lender, less than a fourth of its book is unsecured.<\/p>\n\n\n\n<p>&#8220;We have been very selective in how we do lending, as far as unsecured is concerned we assess cash flows at where the customer works and it works to our advantage,&#8221; Patwardhan said.<\/p>\n\n\n\n<p>&#8220;Meeting customers, understanding cash flows, and having local sets of knowledge coupled with bureau information and a large digital stack allows us to look through a lot of information. We have been relatively careful to not get into buy-now-pay-later products.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>HDB Valuation and IPO Launch Date<\/strong><\/h2>\n\n\n\n<p>HDB is in the upper layer of NBFCs. This means it needs to be listed by September 2025 under regulatory guidelines. As per an ET report, the NBFC could fetch a valuation in the range of $9 billion to $12 billion during the IPO.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Is The Financial Performance Of HDB?<\/strong><\/h2>\n\n\n\n<p><strong>The Loan Book<\/strong> of HDB Financial Services had a significant annual growth of 30.63%. In FY 23 &amp; FY 24, the loan book increased from Rs 66,382.7 crore to Rs 86,721.3 crore respectively.<\/p>\n\n\n\n<p><strong>Revenue of HDB<\/strong>\u2013 The NBFC earns majorly through the interest earned from loans given and other income. In FY24 the NBFC earned 11,157 crores through interest income. This is a significant increase of 25% from Rs 8,928 crore the previous year.<\/p>\n\n\n\n<p><strong>Profit After Tax(PAT)<\/strong> \u2013 Despite fluctuations in other income, HDB\u2019s overall profitability still increased by 25.6 %. PAT soared to Rs 2,461 crores in FY24 as compared to Rs 1,959 crores in the previous years. The Net Profit Margin also increased by 15.8% to 17.36%.<\/p>\n\n\n\n<p>Click <a href=\"https:\/\/stockify.net.in\/blog\/analyzing-hdbs-financial-performance-for-fy-23-24\/\">here<\/a> for a detailed HDB Financial Performance Analysis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is HDB Stock a Good Buy?<\/strong><\/h2>\n\n\n\n<p>Backed by HDFC, the current <a href=\"https:\/\/stockify.net.in\/companies\/hdb-financial-services-ltd-unlisted-shares\/\"><strong>hdb financial share price<\/strong><\/a> can be a gainful buy, especially with IPO around the corner. At Stockify, we help our clients uncover the best unlisted shares and increase their wealth with our in-depth research and insights. Our <a href=\"https:\/\/stockify.net.in\/unlisted-shares-price-list-india\/\"><strong>platform<\/strong><\/a> serves all your unlisted share needs with the best offerings.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/stockify.net.in\/\"><strong>Connect<\/strong><\/a> with our experts to know more and gain more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDB Financial Services is waiting for approval from its parents HDFC Bank before going forward with their listing process. HDB plans to open around 200 branches in the current fiscal year as the NBFC aims to grow its loan book and operations. &#8220;We are ready; it&#8217;s just that when we will be asked to, the [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":26414,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u2018We Are Ready Just That\u2026.\u2019 HDB Officer Reveals IPO Plans. - Stockify Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2018We Are Ready Just That\u2026.\u2019 HDB Officer Reveals IPO Plans.\" \/>\n<meta property=\"og:description\" content=\"HDB Financial Services is waiting for approval from its parents HDFC Bank before going forward with their listing process. 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