Business
HDB Financial Services IPO 2025: What Investors Need to Know
Mumbai, India, June 21, 2025 – HDB Financial Services, backed by HDFC Bank, is launching a major initial public offering on June 25, 2025. The ₹12,500 crore IPO is one of India’s biggest for a non-banking finance company. Here’s what you need to know before investing.
IPO Basics
The details are clear:
- The IPO opens June 25 and closes June 27, 2025, with shares listing on July 2 on BSE and NSE.
- The price range is ₹700 to ₹740 per share, with a minimum lot of 20 shares, costing around ₹14,800.
- An investor said, “The price feels high, but HDFC’s name adds trust.”
The offer is big.
What’s in the Offer
The IPO has two parts:
- A fresh issue of ₹2,500 crore will fund new loans and growth.
- An offer for sale of ₹10,000 crore lets HDFC Bank sell some shares.
- Retail investors get at least 35% of the shares.
- An X post read, “HDB’s IPO could be a win for small investors.”
The structure is solid.
Why It Matters
HDB is a strong player:
- It offers loans for homes, vehicles, and businesses, with over 1,600 branches across India.
- HDFC Bank, its parent, owns 94% and gives it a stable base.
- A shopkeeper noted, “HDB’s loans help my business—now I’ll own its shares.”
The company has reach.
Risks to Watch
There are challenges:
- Some loans aren’t being repaid, which could hurt profits.
- Big rivals like Bajaj Finance compete hard in lending.
- An X user wrote, “HDB’s growth is good, but bad loans worry me.”
Caution is needed.
Should You Invest
The choice isn’t easy:
- The grey market premium of ₹221 suggests strong demand, hinting at a good listing.
- But some say the price is high compared to other finance firms.
- A retiree said, “I’ll apply, but only for a few shares to be safe.”
Think carefully before applying.
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