The company has made the issue price band from Rs 700 to Rs 740. It will close on Friday, June 27
Top 10 Risk Factors in relation to Company:
1) The promoter HDFC Bank may need to significantly reduce its ownership in HDB Financial, or with the approval of the previous RBI due to the overlapping business and one of the members of the promoter group with the promoter, the draft circular issued by the RBI in its current form is implemented. This can adversely affect content on our business operations, financial status and stock prices.
Promotor Group Entreprieties include HDFC Life Insurance Company Limited, HDFC Asset Management Company Limited, HDFC Ergo General Insurance Company Limited and HDFC Securities Limited.
2) As of March 31, 2025, the total stage 3 loan of the company was about 2.26% of the total loan, which increased by 1.90% on March 31, 2024. Non-payment or default by its customers can affect the inability to provide adequate provisioning coverage in non-performing assets or its economic status.
Also Read: HDB Financial IPO: 1,250 CR Quota for HDFC Bank Shareholders – How much can you bid here
3) Until March 31, 2025, unsecured loans include 26.99% of the total total loans of HDB, which is down 28.66% on March 31, 2024. Its insecure loan portfolio is not supported by any collateral that can confirm the payment of the loan, and it can collect one, in the event of non-non-payment of non-payment.
4) On March 31, 2025, a safe loan includes 73.01% of its total loan. The value of the collateral for the company’s secure loan may decrease or it may be delayed in applying collateral, affecting its ability to fully regain collateral value, from there we can adversely affect our business, performance results, cash flow and financial status.
5) The company may face the property of the property in the future, which can cause alienation concerns and consequently affect profitability, cash flow, business, performance results and financial status.
6) The company, the promoter and the director are involved in some legal proceedings, including the actions and penalties imposed by the relevant regulatory officials, and any adverse consequences in such procedures can adversely affect the content on our reputation, business, performance results, cash flow and financial conditions.
7) HDB has gained negative cash flow from operating, investing and financing activities in FY 2023 and can continue to do as it invested in further expanding distribution networks in India.
8) This offer includes offer fur (offs), whose income will not be available to the company;
9) The company offers its promoter, HDFC Bank Business Process Outsourcing (BPO) services such as Back Office Fees, Sales Support and Collection Services, and the profit earlier tax from BPO services was 2.44% of the company’s earlier taxes by March 31, 2025. Closing such services to HDFC Bank can affect its business and affect the results of the financial position.
10) Depending on the interests of the parents and promoters of the HDB Financial promoter as the controller shareholder may be conflicting with its interests or the interests of other HDB shareholders.
Currently some members of HDB HDFC Bank and Promoter Group, namely, provide similar products offered by HDFC Sales Private Limited and HDFC Securities Limited.
(Connection: The recommendations, suggestions, opinions and opinions provided by experts have their own. This does not represent opinions of economic time)
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