amit@unlistedkraft.in
+91-9599071664
+91-9599071664
Hero Fincorp Limited
DRHP Status : Not Filed
1550
Current Price
1550
Market Cap
23495 Cr
ISIN
INE957N01016
Face Value
10
P/E Ratio
36.88
EPS
50.02
P/B Ratio
4.07
Book Value
454.72
Debt to Equity Ratio
7.38
P&L Statement
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Interest Earned | 3877 | 4241 | 5719 | 7479 |
| Other Income | 401 | 497 | 728 | 880 |
| Interest Expended | 1710 | 1678 | 2173 | 3097 |
| Operating Expenses | 1100 | 1498 | 2288 | 2513 |
| Provisions and contingencies | 1417 | 1840 | 1212 | 1722 |
| PAT | 51 | -191 | 479 | 637 |
| eps | 4.02 | -15.04 | 37.62 | 50.16 |
| Gross NPA | 7.4 | 7.9 | 5.37 | 4.02 |
| Net NPA | 4.61 | 4.63 | 2.79 | 2 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Advances | 26194 | 31341 | 39871 | 49880 |
| Book Value | 391.1 | 375.35 | 411.85 | 453.94 |
| P / B | 2.94 | 3.06 | 3.04 | 3.91 |
| ROE (%) | 1.03 | -4.01 | 9.14 | 11.05 |
Balance Sheet
| Assets | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Fixed Assets | 93 | 92 | 111 | 181 |
| Cash and Balances | 1222 | 1038 | 790 | 158 |
| Investments | 1917 | 1172 | 1747 | 1896 |
| Advances | 26194 | 31341 | 39871 | 49880 |
| Other Assets | 570 | 756 | 932.31 | 1089 |
| Total Assets | 29996 | 34399 | 43451.31 | 53204 |
| Liabilities | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | 127 | 127 | 127.31 | 127 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 4840 | 4640 | 5116 | 5638 |
| Borrowings | 23391 | 27875 | 33359 | 42544 |
| Deposits | 0 | 0 | 0 | 0 |
| Other Liabilities | 1628 | 1747 | 4849 | 4895 |
| Total Liabilities | 29996 | 34399 | 43451.31 | 53204 |
| Name | Holding |
|---|---|
| Hero MotoCorp Ltd. | 41.19% |
| Bahadur Chand Investment Pvt. Ltd. | 20.34% |
| Otter Limited | 10.12% |
| Others | 28.35% |
They are one of India's fastest-growing NBFCs, disbursing a loan every 30 seconds. On the corporate lending front, they have extremely strong relationships with over 2000 high-growth companies.
They will spare no effort in upping the ante to record success and break new ground, with their diverse and competitively priced products, repertoire of marquee clients, extensive geographic presence and outstanding customer experience.
They are on their way to becoming India’s largest one-stop financial services company.
Click here to visit the official website of Hero Fincorp Limited.
Key Strengths:
- Strong Brand Association: Hero Fincorp benefits from its association with the Hero Group, a trusted and well-established brand in India.
- Diversified Loan Portfolio: Offers a variety of financial products, including vehicle loans, SME loans, and personal loans, reducing dependency on a single segment.
- Wide Distribution Network: Extensive reach through a strong network of branches and dealerships across India.
- Sound Financial Performance: Consistent revenue growth and profitability with a robust balance sheet.
- Growth Potential: Positioned to capitalize on India's growing demand for credit in the retail and SME sectors.
Key Weaknesses:
- Credit Risk Exposure: As a non-banking financial company (NBFC), it faces credit risk due to potential loan defaults, especially in the SME sector.
- High Competition: Competes with banks and other NBFCs, which could pressure margins and market share.
- Dependence on Borrowing: Relies on borrowing from banks and financial institutions, which could be affected by interest rate fluctuations.
- Economic Sensitivity: Performance is sensitive to economic downturns, which may impact loan repayments and demand.
- Regulatory Risks: Subject to changes in government regulations and policies affecting NBFCs.
FAQs
Hero Fincorp Limited unlisted shares refer to equity ownership in a private financial services company that is not traded publicly on NSE or BSE. These shares can be bought and sold in the private market through platforms like UnlistedKraft.
Yes. UnlistedKraft provides verified access to Hero Fincorp Limited unlisted shares. After completing your KYC and placing your order, the shares are transferred to your demat account, usually within 24 hours.
Unlisted shares carry inherent risks such as limited liquidity and less disclosure. However, Hero Fincorp is a well‑known company in the consumer finance space backed by strong parent brands. UnlistedKraft ensures verified, transparent transactions for each investor.
Share pricing is based on recent private deals, demand and supply in the unlisted market, company performance, and valuation metrics. UnlistedKraft keeps these rates updated and fair using market data.
Yes, an active demat account is required to receive and hold unlisted shares such as those of Hero Fincorp Limited.
There is no mandatory holding period unless the company goes public. Most investors choose to hold these shares long‑term until a liquidity event like an IPO or strategic sale to maximise potential gains.
Yes. You may sell your shares via UnlistedKraft’s resale network, depending on buyer availability and current market demand.
Yes. As per SEBI guidelines, investors who bought pre‑IPO shares are subject to a six‑month lock‑in period after the company’s public listing.
If held for more than two years, gains are taxed as long‑term capital gains at 20 percent with indexation. If sold within two years, gains are treated as short‑term and taxed under your income tax slab.
UnlistedKraft offers verified access to unlisted shares of reputable companies like Hero Fincorp Limited, backed by transparent pricing, expert guidance, secure transaction processes, and prompt share delivery to your demat account.
+91-9599071664
amit@unlistedkraft.in