* Ratio is calculated based on latest financial & current share price.
(All Amount in INR Millions)
(All Amount in INR Millions)
(All Amount in INR Millions)
Established in 2008, HDB Financial Services (HDBFS) is a leading non-banking financial company catering to the growing needs of an inspiring India. The company serves both retail and commercial clients. It is a significant Non-deposit-taking Non-banking Financial Company (NBFC). This is a well-established company business with robust capitalisation. The company is accredited with CARE AAA & CRISIL AAA ratings for its bank facilities and long-term debts. It has an A+ rating for its debt & commercial paper, which makes it a reliable and credible financial institution.
HDB Financial Services deals with loan products targeting first-time borrowers and segment classes. This offering comprises micro-lending, asset-backed finance, business loans, consumer loans, and loans against property. HDB is also an active corporate agent of Aditya Birla Sun Life Insurance, HDFC Life Insurance, Tata AIG General Insurance, and HDFC Ergo General Insurance for the sale of their insurance products to customers.
HDB Finance is a subsidiary company of HDFC Bank. Although HDFC Bank is listed in the share market, hdb finance unlisted shares are actively traded in the unlisted market.
Let’s check the details of HDB Financial Services Limited Unlisted Shares.
hdb financial services share price is making a splash in the stock market. The company has a good reputation among investors and has witnessed exponential growth over the years. Let’s understand the fluctuation in HDB Financial Services unlisted share price in India with the graph given below.
In 2023, the hdb finance share price was trading between 600-700 per share. By the start of Jan 2024, the hdb share price reached Rs 800 per share and by the end of 2024, the share price reached Rs 1245 per share with a strong financial growth and IPO indication.
The indication for HDB IPO was at its peak in May 25, when the company’s DRHP was accepted, causing the hdb financial unlisted stock valuation grow to Rs 1300 per share.
But this was soon met with a shock as the RHP filed on June 19 was met with a Rs 700-750 per share price. This made hdb share price fall to Rs 750.
The current HDB financial services share price is Rs 750 per share.
1. Among financial institutions, HDBFS is India’s prominent financial institution, having more than 1400 branches spread across 24 states and 3 Union Territories.
2. The company has gained a lot of reputation since its inception. Moreover, the company’s revenue grew from Rs 10,756 crores in 2020 to Rs 14,171 crores in FY 24.
3 .HDB Financial has a strong digital presence and has won the IDC digital transformation awards 2020 for “Excellent in customer service”.
4. The company’s profit after tax (PAT) has doubled in last 3 years. In FY 22 the PAT was Rs 1,011 crore. This reached to Rs 2176 crore in FY 25. Giving a positive indication for hdb finance share price.
Here is how the revenue has increased in the last 4 years.
HDB Financial Service Limited: Financial Data
| Particulars | 2025 | 2024 | 2023 | 2022 |
| Interest Earned | 13,836 | 11,157 | 8,928 | 8,362 |
| PAT | 2,176 | 2,461 | 1959 | 1011 |
| EPS | 31.03 | 27.34 | 24.75 | 12.79 |
| Gross NPA | 2.26 | 1.9 | 2.73 | 4.99 |
| Net NPA | 2.26 | 1.9 | 2.72 | 2.29 |
Revenue – In FY25, HDB Financial Services reported an interest income of ₹13,836 crore, marking a robust growth of 24% compared to ₹11,157 crore in FY24. This rise underscores the continued expansion in the company’s loan book and improved yield on assets.
However, other income has reduced from 3,014 crore in FY 24 to Rs 2,465 crore in FY 25 may have remained subdued or stagnant. Despite this, total revenue likely maintained healthy momentum, driven primarily by core interest earnings.
Profit After Tax (PAT) – In contrast to the revenue growth, HDB’s net profit declined by 11.6% to ₹2,176 crore in FY25 from ₹2,461 crore in FY24.
This dip in profitability, despite rising interest income, suggests potential margin compression, higher credit costs, or an increase in operating expenses. Consequently, Net Profit Margin likely narrowed compared to the previous year, signalling a need to manage cost structures and provisioning more efficiently.
Earnings Per Share (EPS) also reflected this decline, moderating to ₹31.03 in FY25 from ₹27.34 in FY24. While still strong, the slower EPS growth mirrors the PAT contraction.
Asset Quality – Gross NPA showed a marginal uptick to 2.26% in FY25 from 1.90% in FY24. Though still below pre-FY23 levels, the increase may reflect early signs of stress in certain borrower segments or a result of rapid credit growth. Maintaining asset quality will be key as the company navigates this expansionary phase.
Revenue: In FY24 the NBFC earned 11,157 crores through interest income, a significant increase of 25% from Rs 8,928 crore the previous year.
On the contrary, the other income indicated a slim decline from Rs 2,634 crore in FY 23 to Rs 1,950 crore in FY 24. The total revenue increased from Rs 12,403 crore to Rs 14,171 crore in FY 24, suggesting a stable revenue growth.
Profit After Tax(PAT) – Despite fluctuations in other income, HDB’s overall profitability still increased by 25.6 % as the 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%.
The Gross NPA has improved significantly in the last 3 years. On March 22, the gross NPA reached 4.99% which caused concern among investors as the asset quality was deteriorating. On March 23, the asset quality improved to 2.73%. By the end of FY 23-24, the Gross NPA reduced to 1.9%.
All these contribute significantly to hdb share price almost doubling in the last 1 year.
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 HDB could fetch a valuation of $9 billion to $12 billion during the IPO.
Despite certain ups and downs, key metrics of asset quality and profitability witness promising improvement and indicate a better growth prospect for the company. The Indian market has a high growth avenue for developing institutes, and HDB will attract a larger customer base by the end of 2024. You can buy HDB Financial Services Limited unlisted shares with Stockify.
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At Stockify, we keep our clients updated about the regular price change in unlisted shares. Since prices keep fluctuating daily, we update prices so our clients can get authentic information. We ensure that you get 100% accurate information from our site. However, the HDB Financial Services unlisted share price today is Rs. 750 per share.
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Unlisted shares are quite beneficial as they give you an opportunity to earn extra income in the form of ROI and also strengthen your investment portfolio. In the present world, where potential investors are looking for ways to earn money, unlisted shares give them a golden opportunity to fulfil their dreams. Knowing the price of unlisted shares is crucial to make a smart and well-thought-out investment. At Stockify, we have listed prices of unlisted shares of renowned companies. You can buy the most profitable unlisted shares available in the market. Also, check out the current prices of HDB Financial Services and other unlisted shares mentioned below:
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