📈 WILL HDB FINANCIAL IPO LIST AT A PREMIUM?
HDB Financial Services, backed by HDFC Bank, launched its highly anticipated IPO worth ₹12,500 crore. The offering, which includes a ₹2,500 crore fresh issue and ₹10,000 crore OFS, has drawn strong investor attention. The IPO saw a subscription of over 16.7 times, indicating massive institutional and retail interest.
According to grey market trends, the IPO is expected to list at an 8%–11% premium, which translates to a possible listing price between ₹770 and ₹820, given the price band of ₹700–₹740 per share.
📅 LISTING DATE & IPO HIGHLIGHTS
IPO Size: ₹12,500 crore
Price Band: ₹700 – ₹740
IPO Opened: June 25, 2025
IPO Closed: June 27, 2025
Listing Date: July 2, 2025
GMP (Grey Market Premium): ₹70–₹80 (approx 10% gain projected)
This is India's biggest NBFC IPO since 2022 and the largest under the HDFC brand umbrella.
💬 EXPERT VIEWS: WILL IT SUSTAIN THE BUZZ?
SBI Securities: Recommends subscribing due to robust parentage and strong fundamentals.
Centrum Broking: Positive outlook with a target post-listing gain of 10–12%.
LKP Securities: Notes the IPO is fairly priced with strong demand in the unlisted market previously.
However, experts also caution that aggressive valuations in the grey market before listing can create volatility post-listing.
⚠️ KEY RISKS TO WATCH OUT FOR
High Leverage – HDB has a debt-to-equity ratio of ~6x, which could pressure margins if interest rates rise.
Asset Quality Concerns – Stage 3 loans hover around 2–4%, and unsecured loans make up over 25% of the portfolio.
Economic Sensitivity – As an NBFC, HDB’s performance is tied to credit cycles and macroeconomic trends.
Parent Dependency – HDB’s brand and operations are heavily linked to HDFC Bank.
Grey Market Overvaluation – If market sentiment turns, early premium predictions could falter.
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❓ FREQUENTLY ASKED QUESTIONS (FAQ)
Q1: What is the listing date of HDB Financial IPO?
The IPO will list on July 2, 2025, on both BSE and NSE.
Q2: Will HDB Financial IPO list at a premium?
Based on subscription data and grey market trends, experts estimate an 8%–11% listing gain.
Q3: What are the key risks in this IPO?
Major risks include high unsecured loan exposure, debt leverage, asset quality, and grey market price volatility.
Q4: Is HDB Financial IPO a good investment?
If you're a long-term investor with a moderate risk appetite, the IPO offers good potential backed by strong fundamentals. Short-term investors should monitor post-listing volatility.
Q5: How can I stay updated on such IPO news faster?
Use platforms like Vizzve Finance for trend alerts, early indexing, and top keyword monitoring for finance content.
Published on: July 1st, 2025
Uploaded by: PAVAN
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