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HDB Financial Services – Company Overview
Established
in 2007, HDB
Financial Services is a fast-growing, diversified, retail-focused
non-banking financial company (NBFC-UL) in India. It operates as an
Upper-Layer NBFC under RBI’s regulatory framework.
The
company offers a broad portfolio of lending products across three key
segments:
- Enterprise Lending
- Asset Finance
- Consumer Finance
HDB
Financial primarily serves salaried individuals, self-employed
professionals, business owners, and emerging entrepreneurs, focusing
especially on underserved and underbanked customers from low to
middle-income backgrounds with limited or no credit history.
Key Highlights:
- Customer Base: 17.5 million+
- Branch Network: 1,772 branches
- Presence: 1,162 towns across 31
States and Union Territories
- Core Values: Inclusive financing,
customer-centricity, and tech-driven service delivery
The
company is committed to delivering seamless
financial services through innovation and operational excellence,
ensuring easy access to credit for millions of Indians.
Here’s a refined and professional version of your updated content — ideal
for corporate profiles, investor decks, or blog summaries:
HDB Financial Services – Detailed Company Profile
Founded in 2007, HDB Financial Services Ltd. is a wholly
owned subsidiary of HDFC Bank and operates as a non-banking
financial company (NBFC) regulated by the Reserve Bank of India. The
company delivers a blend of secured and unsecured lending solutions
across a wide customer base.
HDB Financial’s product offerings are structured into three core
business segments:
1. Enterprise Lending
(39.85%)
Provides secured and unsecured loans to micro,
small, and medium enterprises (MSMEs) to support their business
expansion and working capital needs.
2. Asset Finance (37.36%)
Offers secured loans for income-generating assets
such as:
·
Commercial vehicles
·
Construction equipment
·
Tractors
Primarily caters to customers in the transportation and infrastructure
sectors.
3. Consumer Finance (22.79%)
Provides loans—both secured and unsecured—for:
·
Consumer durables and electronics
·
Personal vehicles
·
Digital products and personal expenses
Targets the financial and lifestyle needs of individuals.
Operational Reach and Distribution Network
As of September 30, 2024, HDB Financial Services has:
·
1,772 branches across 31
states and union territories
·
Over 80% of branches are
located outside major metropolitan areas, emphasizing its rural
and semi-urban outreach
The company’s extensive distribution network is powered by:
·
Partnerships with 80+ brands and OEMs
·
Over 140,000 retail and dealer
touchpoints across India
Positioning and Vision
HDB Financial is committed to bridging the credit gap in
India by offering inclusive financial solutions. Its scalable
infrastructure, customer-centric approach, and strong parentage from HDFC Bank
have helped it become one of India’s leading NBFCs in terms of growth,
reach, and product diversity.
Here’s a refined and structured summary
of HDB Financial Services' Vision, Mission, and Core Values—perfect
for your website, investor materials, internal presentations, or brand
documentation:
HDB Financial Services
Limited
Vision
To be India’s most admired NBFC through great execution, driving
simplicity, and developing humility.
Mission
To deliver innovative products and services that cater to the growing
needs of an aspirational India—serving both individual and business clients.
Our Core Values
At HDB Financial Services, our values are more than just words—they define
our culture and guide every action. These six principles form the foundation of
how we work, serve, and grow:
1. Integrity
We uphold the highest standards of ethical conduct in every aspect of our
business.
·
We act with honesty, transparency, and fairness.
·
Our decisions are grounded in facts and
accountability.
·
We take full responsibility for our actions,
ensuring trust in all relationships.
2. Respect
We embrace diversity and treat every individual with dignity and empathy.
·
We value each person’s uniqueness and
contribution.
·
We foster an inclusive and humble work
environment.
·
Respect is extended to all—customers, employees,
and stakeholders alike.
3. Excellence
We pursue excellence by setting high standards and exceeding expectations.
·
We aim for flawless execution and superior
service delivery.
·
Continuous improvement and innovation drive our
journey.
·
We consistently challenge ourselves to deliver
value and quality.
4. Simplicity
We make things easy to understand, use, and experience.
·
Our processes, communication, and offerings are
straightforward.
·
We eliminate complexity to enhance customer and
employee experience.
·
Relevance and clarity are at the core of
everything we do.
5. Collaboration
We believe teamwork is the key to sustained success.
·
We work together with openness and trust.
·
Collective problem-solving is encouraged across
teams.
·
Silos are broken through shared ownership and
mutual respect.
6. Agility
We stay ahead by adapting swiftly to change.
·
We embrace speed, flexibility, and responsiveness.
·
Innovation and adaptability guide our
operational decisions.
·
We seek continuous improvement in a
fast-evolving marketplace.
Here is a refined, professional version
of your content titled “Budget Reforms and Their Influence on
Lending”—suitable for use in blogs, business reports,
newsletters, or marketing collateral:
Budget Reforms and Their
Influence on Lending
Boost to Manufacturing and MSMEs
In a significant move to support India’s MSME sector, the government has revised
the investment and turnover limits for enterprises across all
three categories—Micro, Small, and Medium:
|
Category |
Investment Limit |
Turnover Limit |
|
Micro Enterprises |
₹1 Cr → ₹2.5 Cr |
₹5 Cr → ₹10 Cr |
|
Small Enterprises |
₹10 Cr → ₹25 Cr |
₹50 Cr → ₹100 Cr |
|
Medium Enterprises |
₹50 Cr → ₹125 Cr |
₹250 Cr → ₹500 Cr |
✅ These
changes are designed to help MSMEs scale without losing their official
classification and access to government-backed benefits.
Credit Guarantee Expansion for Small Businesses
To make credit more accessible and affordable,
the government has enhanced several key credit guarantee programs:
·
Micro & Small
Enterprises: Credit guarantee cover doubled
from ₹5 Cr to ₹10 Cr, unlocking ₹1.5 lakh crore
in additional credit over five years.
·
Startups:
Guarantee cover raised from ₹10 Cr to ₹20 Cr, with reduced
guarantee fee (1%) for loans in 27 priority sectors.
·
Exporter MSMEs:
Eligible for term loans up to ₹20 Cr
with higher guarantee support.
💡 Lower risk exposure for lenders means
easier access to loans for high-potential businesses.
Infrastructure and Capital Expenditure Boost
The government has increased capital expenditure to ₹11.2
trillion for FY 2025–26, up from ₹10.18 trillion in the
previous year. This surge in public investment will:
·
Drive demand for business loans
·
Support financing for commercial
vehicles, construction equipment,
and infrastructure development
Policy Support for Green Financing
The Budget introduces green finance initiatives
to reward eco-conscious businesses:
·
Lending institutions are expected to launch green
loan products with preferential interest rates
·
Incentives will promote adoption of sustainable
practices and clean technologies
🌱 Businesses adopting environmentally
friendly models may soon benefit from tailored financing and lower costs.
Macroeconomic Impact on Loan Interest Rates
Fiscal and monetary coordination is expected to positively impact borrowing
costs:
·
Deficit management
could keep interest rates stable or declining
·
Priority sector lending
(PSL) incentives may reduce interest rates for MSMEs and
startups
What This Means for Businesses Seeking Loans
With favorable reforms and funding support, businesses across India stand to
gain:
✅ Lower Borrowing Costs
✅
Easier Loan Approvals
✅
Industry-Specific Loan Schemes
Whether you're expanding operations,
upgrading technology, or scaling up production, this is the right time to
capitalize on the lending ecosystem.
Why Choose HDB Business
Loans?
At HDB Financial Services,
we understand the unique financing needs of businesses. Our solutions offer:
·
Competitive interest
rates
·
Flexible repayment
options
·
Quick and transparent
approval process
Let us help you unlock growth with customized working
capital, equipment finance, or expansion loans
tailored to your industry.
Seize the momentum of Budget 2025.
Grow with HDB Business Loans.
📞 Contact us today or visit your nearest HDB
branch to get started.
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