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×

hdb financial services Limited

656.00
-2.09 %
Scrip Name
HDBFSL
ISIN No.
INE756I01012
PAN No.
AABCH8761M
Face Value
10
No. of Outstanding Shares
785,779,656
Market Capitalization
51,547.15 Crore

H91DB FINANCIAL SERVICES LIMITED UNLISTED SHARE

HDB Financial Services Limited (HDBFS) is a leading non-bank financial company (NBFC) that meets the growing needs of emerging India while serving residential and corporate clients. The company wasestablished in 2007 and is a well-known high-capital company. HDB Financial Services Limitedhas obtained CARE AAA and CRISIL AAA certifications for long-term debt and banking services, and an A1+ rating for short-term debt and commercial paper, making it a strong and reliable financial institution. The current product portfolio consists of Loans, Fee based products and BPO services.

The company provides a wide range of credit products (both secured and unsecured) to various customer groups, including consumer loans, Enterprise loans and Asset financing.

The company is a registered company insurance agent approved by the Insurance Regulatory and Development Authority of India (IRDAI). IRDAI extended the company's license from April 1, 2019 to March 31, 2022 for a period of three years.

The company has obtained an AMFI registration number from the Mutual Fund Association of India.

The company also sells third-party products, such as extended warranty and roadside assistance.

HDB's BPO service department provides administrative services such as form processing, document review, financial and accounting services, and correspondence management. The Company also provides front office services, such as contact centre management, outbound marketing and debt collection services.


INCORPORATION DETAILS

CIN

U65993GJ2007PLC051028

Registration Date

04 June 2007

Category / Sub-Category of the Company

Public company limited by shares

Address of the Registered office and contact details 

Radhika, 2nd Floor, Law Garden Road,

Navrangpura, Ahmedabad - 380 009

Tel No.: +91 79 48914514

Website: www.hdbfs.com Email: compliance@hdbfs.com

Name, Address & contact details of the Registrar & Transfer Agent, if any

M/s. Link Intime India Private Limited

C 101, 247 Park, L.B.S. Marg

Vikhroli (West), Mumbai - 400 083

Email : rnt.helpdesk@linktime.co.in.

Tel No: +91 22 49186000

PRINCIPAL BUSINESS ACTIVITIES OF THE COMPANY

Name and Description of main products / services 

NIC Code of the Product/ service

% to total turnover of the company

Non-Banking Financial Services (Lending)

649

80.35

 

BOARD OF DIRECTORS

Mr. Aditya Puri (Chairman & Non Executive Director)

Mr. Jimmy Tata (Non Executive Director)

Ms. SmitaAffinwalla (Independent Director)

Dr. Amla Samanta (Independent Director)

Mr. Venkatraman Srinivasan (Independent Director)

Mr. Adayapalam Viswanathan (Independent Director)

Mr. G. Ramesh (Managing Director & Chief Executive Officer)


HDB FINANCIAL SERVICES LIMITED Unlisted Shares Details:

Total Available Shares:

78,57,79,656

Face Value:

Rs. 10 Per Equity Share

ISIN:

INE756I01012

PAN No.

AABCH8761M

Last Traded Price:

Rs.845

Lot Size:

100

Market Capitalisation:

Rs.

 

SHAREHOLDING PATTERN

(As on 31-03-2020)

S. No.

Shareholders’ Name

No. of Shares

% of total Shares of the company

1

HDFC Bank Limited

75,05,96,670

95.3

2

Others

3,69,82,986

4.7


Total

78,57,79,656

100

 

INDUSTRY OUTLOOK

The major failures of NBFC and HFC in 2018-19 cast a shadow on the NBFC sector throughout the year. NBFC saw asset quality deteriorate in the first half of 2019-20. The gross NPA ratio of the NBFC sector increased to 6.3% at September-end 2019 from 6.1% at March-end 2019. However, the net NPA ratio remained stable at 3.4% between the end of March 2019 and the end of September 2019.



RBI has announced various measures, as a part of response to the economic challenge faced by the NBFC industry, to aid the liquidity crisis in the system and to make NBFC work easier. NBFC's role in loan brokerage business is growing. The default by a large NBFC brought the focus on the asset liability mismatches of NBFCs, which poses risks to the NBFC sector as well as the financial system as a whole. To cope up with this issue, RBI has introduced the Liquidity Coverage Ratio requirement for all types of NBFCs with an asset size of Rs.5000 Crore.


As per the new rule, NBFCs are required to maintain high quality liquid assets to easily deal with net cash outflow in stressed scenarios. From December 2020, NBFC must reach 100% LCR within 4 years.


NBFC’s business mainly comes from informal and self-employed sector, so it will have a significant impact on sales fluctuations due to the congestion and interruption of customer terminals caused by Covid-19.

 

KEY FINANCIALS OF HDB FINANCIAL SERVICES LIMITED (In Rs. Crore)

 

Particulars 

2021

2020

2019

2018

Revenue from Operations

10,944.80

10,756.50

8,724.81

7,027.12

EBITDA

4,491.40

5,655.60

5,119.31

3,930.49

EBITDA margin

41.04%

52.58%

58.68%

55.93%

Finance Cost

3,882.90

4,081.40

3,333.33

2,449.07

Depreciation

107.80

109.70

61.92

45.31

Other Income

0.00

0.00

0.00

0.00

Profit Before Tax (PBT)

500.70

1,464.50

1,724.06

1,436.11

Tax

109.20

459.70

570.82

503.09

Profit After Tax (PAT)

391.50

1,004.80

1,153.24

933.02

PAT margin

3.58%

9.34%

13.22%

13.28%

Earnings per share (EPS) (In Rs.)

4.97

12.78

14.71

11.94

 

BANKING PARAMETERS of HDB FINANCIAL SERVICES LIMITED(In Rs.Crore)

 

Particulars (In Rs. Crore)

2020

2019

Interest Income

8,233.47

6,712.12

Loan disbursement

29,583

31,654

Net Interest Margins

7.20%

6.20%

Gross NPA

4.20%

1.86%

Net NPA

3.20%

1.26%

CRAR

19.36%

17.91%

ROE

11.84%

16.01%

 

BALANCE SHEET OF HDB FINANCIAL SERVICESLIMITED (In Rs. Crore)

PARTICULARS

2021

2020

ASSETS



FINANCIAL ASSETS



Cash and Cash equivalents

976.4

563.18

Investments

1,592.90

1,827.08

Loans

58,601.40

57,145.88

Other financial assets

366.5

299.26

TOTAL FINANCIAL ASSETS

61,537.30

59,835.4

NON FINANCIAL ASSETS



Tax assets

787

493.04

Property plant and equipment

91.5

124.48

Intangible assets

8

9.07

Other non financial assets

217

252.47

TOTAL NON FINANCIAL ASSETS

1,103.80

879.06

TOTAL ASSETS

62,641.10

60,714.46

EQUITY AND LIABILITIES



Equity share capital

789.2

787.58

Other Equity

7,657

7,230.22

TOTAL EQUITY

8,446.2

8,017.8

LIABILITIES



FINANCIAL LIABILITIES



Payables

334.2

149.99

Borrowing and Debt securities

46,371.20

46,173.54

Subordinate liabilities

3,987.60

3,630.55

Other Financial liabilities

2,887.60

2,254.38

TOTAL FINANCIAL LIABILITIES

53,580.70

52,208.46

NON-FINANCIAL LIABILITIES



Tax Liabilities

173.10

74.6

Provisions

319.80

286.86

Other non financial liabilities

121.30

126.74

TOTAL NON FINANCIAL LIABILITIES

614.20

488.2

TOTAL EQUITY AND LIABILITIES

62,641.10

60,714.46

 

DIVIDEND, RETAINED EARNINGS AND BOOK VALUE

PARTICULARS

2020

2019

2018

2017

Dividend (In Rs.)

Nil

1.8

0.9

0.9

Retained Earnings (In Rs. Crore)

3,304.80

2,656.10

1,799.59

1,194.33

Book Value per share(In Rs.)

101.8

91.36

79.22

68.73

 

 

PERFORMANCE OF THE COMPANY

HDB Financial services total revenue from operations increased slightly by 1.75% in FY 2021, from Rs. 10,756.5 Crores in FY 2020 to Rs. 10,994.80 Crores in FY 2021.


EBITDA of the company has been decreased by 20.58% in FY 2021 to Rs. 4,491.40 Crores from Rs. 5,655.60 Crores in FY 2020. It was mainly because of the Interest paid during the FY 2021. Due to this EBITDA margin also decreased from 52.58% in FY 2020 to 41.04% in FY 2021.


Company does not earn any other income besides Operational Income.


Company’s Profit After Tax has seen a huge fall of 61% from Rs.1,004.8 Croresin FY 2020 to Rs. 391.50 Crores in FY 2021.


Company’s Asset under Management (AUM) increased by 6.1% to Rs. 58,833 Crore in FY 2020.


On March 31,2020, Capital Adequacy Ratio was 19.36%. Which is sufficiently above the minimum regulatory norms for non-deposits accepting NBFCs.


Interest Income in FY 2021 has increased by just 3.09% and has reached Rs.8,487.9Crores against the interest income of Rs. 8,233.5 crore in FY 2020.


Company’s financial assets have grown by 2.84% in FY 2021 to Rs. 61,537 Crores from Rs. 59,835 Crores in FY 2020.


Loan disbursements have increased by around 7% in FY 2020.


Net NPA has increased to 3.20%in FY 2020 as compared to 1.26% in FY 2019.


The Company has paid dividend consistently. However, this year the Company has not given any dividend for FY 2020

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