The Problem with Pre IPOs !
Disclaimer: This video is intended solely for educational purposes and not for investment purposes. Viewers are advised to conduct their own research or consult a qualified financial advisor before making any investment decisions.
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HDB Financial Services, the NBFC arm of HDFC Bank, is launching one of the biggest IPOs of 2025. But the real question is: Should retail investors apply?
In this video, I explore:
Why does HDFC Bank operate an NBFC like HDB Financials?
Understand the strategic and regulatory reasons behind it, including CRR/SLR advantages, PSL workarounds, and higher risk appetite.
What makes HDB's lending model different?
We decode its focus on unsecured lending, Tier 2/3 borrowers, and how it feeds into HDFC Bank's long-term customer funnel.
Why is the IPO happening now?
The RBI's mandatory listing requirement for large NBFCs and how HDB fits into it.
What went wrong in the unlisted market?
From ₹1250 in June to ₹740 IPO price — we discuss the steep markdown and why valuations always catch up with fundamentals.
Should you apply?
Whether you already own HDFC Bank or not, this video helps you take a clear, logic-backed call.
This isn't just about the IPO. It's about understanding how banks, NBFCs, and regulations intersect, and how that impacts your investing decision.
Watch till the end to make an informed call. Like the video if you find it helpful.
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