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HDB Financial IPO Valuation
HDB Financial IPO Valuation:
HDB Financial Services is set to raise ₹12,500 crore through its public offering, with bidding open from June 25 to June 27, 2025. In a recent interview, MD & CEO Ramesh G revealed that the HDB Financial IPO valuation was determined through extensive discussions with both global and domestic investors, as well as leading bankers.
During the conversation with Moneycontrol on June 20, Ramesh G emphasised, “We’ve been doing roadshows for quite some time now, met investors globally and locally. We believe that the value has been derived by talking to investors and bankers, and we worked with them to arrive at the value.” This collaborative process underlines that the HDB Financial IPO valuation is grounded in market signals rather than speculative benchmarks.
Despite intriguing activity in the grey market, with stocks trading at a ₹1,200–₹1,250 band, bankers made it clear that the HDB Financial IPO valuation is independent of these informal premiums—rooted firmly in business fundamentals .
reporters from Reuters noted:
“The initial public offering… has been priced based on the fundamentals of the business, unaffected by the roughly 70% premium the stock is trading at in the informal ‘grey market’” .
HDB Financial IPO valuation reflects its operational metrics, peer comparisons, and long-term growth narrative—not speculative hype. The ₹740 upper band yields a price-to-book multiple of 3.7x, aligning it with peers like Bajaj Finance and Shriram Finance.
Despite being a subsidiary of HDFC Bank, Ramesh G clarified that HDB Financial operates independently:
This autonomy ensures the HDB Financial IPO valuation reflects standalone operational performance, not simply an extension of the parent bank.
When asked about future capital needs, Ramesh G responded that the current IPO could support growth for about three to four years, minimizing the need for new capital in the near term. However, they remain open to seizing opportunities as they arise.
Addressing the RBI’s recent draft circular on promoter shareholding thresholds, Ramesh confirmed the bank’s stake would remain at 75% post-IPO, with any future changes decided at the appropriate time. This clarity helps safeguard the HDB Financial IPO valuation by ensuring stability in governance structure.
HDB Financial prides itself on maintaining low delinquency across its retail lending portfolio through:
The company reported profitability from its second year onwards, a testament to its sound underwriting practices and controlled asset quality.
Even though the grey market indicates a much higher valuation, the strategic HDB Financial IPO valuation provides:
By choosing a valuation rooted in fundamentals, the company aims to set itself up for sustained, long-term investor trust.
In summary, the HDB Financial IPO valuation, as confirmed by its MD & CEO, is built on thoughtful market feedback, robust business fundamentals, and a clear commitment to growth without speculative speculation. With ₹12,500 crore being raised at ₹700–₹740 per share, the offer gives long-term investors a pragmatic entry into a high-growth NBFC with strong parentage and operational maturity.
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