HDFC Ltd: Full Form, Functions and Latest Financial Details

What is the full form of HDFC? – HDFC Full Form

The full form of HDFC is Housing Development Finance Corporation. It is a development finance institution which was incorporated by Mr. H. T. Parekh in 1977. The company’s main business is to provide home loans to individuals and corporates. To strengthen their core business, they diversified in the fields of:

• Banking
• Insurance (life and general)
• Asset management
• Real Estate
• Venture capital and a lot more.

Genesis and Profile of HDFC Ltd.

HDFC Ltd. is an Indian financial corporation headquartered in Mumbai, India. It has a distribution network of 651 interconnected offices (including 206 offices of HDFC Sales) as on March 31, 2022. Apart from this, they have three representative offices in Dubai, London and Singapore offering loan facilities to Non Resident Indians (NRI) and people of Indian origin.

Key Personnel at HDFC Ltd.

Chairman: Mr Deepak S. Parekh Vice-Chairman & Chief Executive Officer: Mr Keki M. Mistry Managing Director: Ms Renu Sud Karnad Executive Director: Mr V. Srinivasa Rangan Independent Directors: Mr Nasser Munjee, Ms Ireena Vittal, Dr Bhaskar Ghosh, Mr Jalaj Ashwin Dani, Mr U. K. Sinha, Dr J. J. Irani

Subsidiaries of HDFC Ltd

History of HDFC Ltd in India

Listing and Shareholding of HDFC Ltd. 

Shareholding Pattern of HDFC Ltd.

	MAR 2021	JUN 2021	SEP 2021	DEC 2021	MAR 2022
Promoters	0	0	0	0	0
FIIs	72.78	72.22	71.95	72.14	69.19
DIIs	16.13	16.47	16.85	16.59	18.99
Government	0.22	0.14	0.14	0.14	0.14
Public	10.88	11.18	11.06	11.13	11.69

*Data as on 4th May 2022

Quarterly results of HDFC Ltd.

(Rs in Cr.)

	Jun 2021	Sep 2021	Dec 2021	Mar 2022
Revenue	30,991	38,591	31,298	35,047
Expenses	19,875	27,228	19,562	22,373
Financing Profit	4,492	4,679	4,740	5,748
Financing Margin	14	12	15	16
Other Income	1,891	2,189	2,470	2,461
Interest	6,624	6,684	6,995	6,925
Depreciation	87	88	90	153
Profit before tax	6,295	6,779	7,121	8,056
Tax	16	16	13	14
Net Profit	5,041	5,258	5,837	6,459

*Data as on 4th May 2022

Mutual Fund Holdings and Trends of HDFC Ltd.

Schemes	Quantity	Holdings as on
AXIS LONG TERM EQUITY FUND REGULAR GROWTH	1,50,968	31-03-2021
AXIS BLUECHIP FUND - REGULAR GROWTH	1,30,152	31-03-2021
ADITYA BIRLA SUN LIFE TAX RELIEF 96-IDCW PAYOUT	1,20,776	31-03-2021
ICICI PRUDENTIAL BLUECHIP FUND - GROWTH	1,15,975	31-03-2021
AXIS FOCUSED 25 FUND REGULAR GROWTH	1,01,271	31-03-2021
SBI BLUE CHIP FUND - GROWTH	99,924	31-03-2021
ICICI PRUDENTIAL BALANCED ADVANTAGE FUND - GROWTH	85,619	31-03-2021
HDFC TOP 100 FUND - REGULAR PLAN - GROWTH	78,438	31-03-2021
HDFC HYBRID EQUITY FUND - REGULAR PLAN - GROWTH	77,442	31-03-2021
MOTILAL OSWAL FLEXI CAP FUND - REGULAR GROWTH	67,449	31-03-2021

Balance Sheet of HDFC Ltd.

(Rs in Cr.)

	Mar 2020	Mar 2021	Mar 2022
Share Capital	346	361	363
Reserves	126,133	156,045	179,491
Borrowings	425,368	447,013	507,460
Other Liabilities	177,936	225,811	279,037
Total Liabilities	729,782	829,230	966,349
Fixed Assets	5,476	5,312	12,783
Cwip	59	47	1
Investments	243,248	302,481	119,457
Other Assets	481,000	521,390	834,109
Total Assets	729,782	829,230	966,349
Inventories	0	0	0
Trade Receivables	336	242	369
Cash & Bank	5,502	3,035	2,629
Loans and Advances	29,698	27,289	563,920
Trade Payables	2,165	3,080	3,811

*Data as on 4th May 2022

Important Ratios of HDFC Ltd:

Market Cap (Cr): Rs 4,06,608	Face Value: Rs 2	EPS: Rs 125
Book Value: Rs 992	ROCE (%): 8.60	Debt to Equity: 2.82
Stock PE: 18	ROE (%): 13.4	Dividend Yield (%): 1.34
Total Debt (Cr): Rs 5,07,460

*Data as of 4th May 2022

Samco’s Rating for HDFC Ltd

5 Star ✰✰✰✰✰

Samco’s stock rating helps you understand how well the company has managed its ratios and other finances. This rating is evaluated with the help of two million stock rating parameters.

Valuation Analysis of HDFC Ltd 

Valuation analysis helps you analyse how overvalued or undervalued a stock is. This can be evaluated with the help of the margin of safety index. It is the difference between the intrinsic value and the current value of a share. Intrinsic value is the true valuation of a share.

• A high margin of safety indicates that the stock is currently expensive.
• A low margin of safety indicates that the stock is undervalued.

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