What we do HDB Financial Services Ltd is a leading retail-focused NBFC in India, offering diversified lending and business process outsourcing services. |
Founded in 2,007 |
Market share Among top NBFCs by loan book; diversified with strong brand and presence across 1,165 cities and 1,744 branches. |
Problem solved Provides accessible credit to underserved and underbanked customers across India, enabling financial inclusion and supporting small businesses. |
Top clients or who we serve Primarily serves retail and MSME customers across multiple lending products; B2C focused with some B2B services via BPO. |
Key management Ramesh G., Managing Director & CEO; Jaykumar Shah, CFO; Dipti Khandelwal, Company Secretary and Head Legal. |
Our journey and innovations Founded in 2007 as HDFC Bank subsidiary, expanded product suite from commercial vehicle loans to microfinance and lifestyle loans; IPO in 2025 raised ₹12,500 Cr. |
Where we operate Pan India presence with branches in 31 states/UTs, focusing on Tier 2+ towns, serving 22 million customers. |
Top products or what we offer Enterprise Lending, Asset Finance (Commercial Vehicles, Tractors), Consumer Finance (Auto, Two-Wheeler, Personal Loans), and BPO services. |
Top brands N/A (financial services company). Key revenue drivers include diverse loan products across sectors. |
Raw materials needed Not applicable; operates in financial services sector. |
Raw materials supplier Not applicable. |
Recurring vs cyclical contribution Revenue largely recurring from lending interest and fee-based services with steady growth trajectory. |
Our industry position Strong market position with AAA credit ratings, prudent risk management, and diversified loan book with 1.25% net NPAs. |
Financial highlights FY25 Revenue: ₹16,300 Cr; PAT: ₹2,176 Cr; Loan Book: ₹1.14 Lakh Cr; RoA: 2.35%; ROE: 14%. |
Geographical revenue split Operations spread geographically across India with balanced regional presence. |
Order book Not specified. |
Whats driving growth Expanding customer base, product diversification, deeper penetration into underbanked markets, digital capabilities, and strong risk management. |
Our future plans Continue branch network expansion, scale digital lending, enhance ESG initiatives, and maintain capital adequacy for growth. |
Our green promise Robust ESG framework with focus on sustainability, corporate social responsibility, and environmental stewardship. |
Our people and values Large employee base (~90,000), culture centered on respect, excellence, agility, integrity, and customer focus. |
Key challenges ahead Managing credit risk, regulatory compliance, competition, and macroeconomic uncertainties including interest rate shifts. |
Interesting facts Has a granular loan book with top 20 borrowers contributing only 0.3% and a broad customer base of 22 million. |
Risks and strategy Mitigates risks via diversification, conservative provisioning, strong governance, and adherence to RBI regulations. |
