Hero Fincorp Limited Unlisted Shares
Hero FinCorp Limited Unlisted Shares
Hero FinCorp Limited is a Systemically Important NBFC-ND-SI headquartered in New Delhi. Established in 1991 as part of the Hero Group, it provides vehicle finance, business and personal loans, affordable housing finance and digital lending across India. Key metrics for FY 2024-25: AUM ₹50,925 cr, disbursals ₹27,713 cr, total income ₹9,153 cr and net profit ₹57.8 cr.
Company Profile
Incorporated: December 16, 1991
Listed on: BSE/NSE (Debt), unlisted equity
Parent: Hero Group (83.06% promoter stake)
RBI Registration: NBFC-ND-SI (CoR 14.00266)
Network: 758 branches, 10,116 business partners, 10 million+ customers
Key Areas of Focus
| Focus Area | Description |
| Two-Wheeler Finance | Leading market share; 7.5 million+ disbursals in FY 2023 |
| Used-Car Finance | Urban & semi-urban expansion |
| Commercial & Business Loans | SME lending, supply-chain finance |
| Affordable Housing Finance | Housing loans under PMAY |
| Digital Lending | SimplyCash instant loans, API partnerships |
Business Operations & Market Position
| Metric | FY 2023 | FY 2024-25 |
| AUM | ₹41,497 cr | ₹50,925 cr (+10%) |
| Disbursals | ₹27,713 cr | ₹27,713 cr |
| Total income | ₹6,448 cr | ₹9,153 cr (+17%) |
| Net Interest Income | ₹3,546 cr | ₹— |
| GNPA ratio | 5.11% | 5.45% |
| Net NPA ratio | 2.69% | — |
| CAR | 23.2% | 16.88% |
| RoA | 1.10% | 0.16% |
Core Product Portfolio
| Product | FY 2023 AUM (₹ cr) | FY 2024-25 AUM (₹ cr) |
| Two-Wheeler Finance | 19,820 | 24,310 |
| Used-Car Finance | 5,332 | 6,144 |
| Business Loans | 9,243 | 10,902 |
| Affordable Housing Finance | 4,100 | 4,998 |
Operational Capabilities & Expansion Plans
| Capability | FY 2024-25 Plan |
| Branch network | +100 new branches |
| Business partners | +5,000 partners |
| Underwriting | AI-based credit models |
| EV financing | Pilot 5,000 disbursals by FY 2026 |
| Training academy | Expanded employee upskilling programs |
Promoters & Management
| Name | Role | Stake (%) |
| Hero Group | Promoter | 83.06 |
| Dr. Pawan Munjal | Chairman Emeritus, Founder | – |
| S. Sandilya | Joint MD & CEO | – |
| Abhimanyu Munjal | Managing Director & CEO | – |
| Anup Sanklecha | Independent Director | – |
| Anant Munjal | Non-Executive Director | – |
| Dr. R. Seetharaman | Independent Director | – |
Shareholding Patterns (as on Mar 31, 2025)
| Category | Equity (%) | CCPS (%) |
| Promoter (Hero Group) | 83.06 | 50.00 |
| Mutual Funds | 7.45 | – |
| Foreign Institutional Investors | 5.12 | – |
| Insurance Companies | 2.73 | – |
| Retail & Others | 1.64 | – |
| CCPS (Class A&B) | – | 50.00 |
Company Fundamentals
| Metric | FY 2022 | FY 2023 | FY 2024-25 |
| AUM (₹ cr) | 38,756 | 41,497 | 50,925 |
| Disbursals (₹ cr) | 24,189 | 27,713 | 27,713 |
| Net Worth (₹ cr) | 8,386 | 10,902 | 10,902 |
| CAR (%) | 21.8 | 23.2 | 16.88 |
| RoA (%) | -0.5 | 1.10 | 0.16 |
| GNPA (%) | 7.94 | 5.11 | 5.45 |
| Net NPA (%) | 4.63 | 2.69 | 2.80 |
| Employees | 6,800+ | 7,200+ | 7,200+ |
| Branches | 658 | 758 | 858 |
| Business Partners | 8,500+ | 10,116 | 15,116 |
Key Financials
| Statement | FY 2022 | FY 2023 | FY 2024-25 |
| Total Income (₹ cr) | 4,798 | 6,448 | 9,153 |
| Net Interest Income (₹ cr) | 2,560 | 3,546 | — |
| PBT (₹ cr) | -254 | 735 | 198 |
| PAT (₹ cr) | -194 | 480 | 58 |
| EPS (₹) | -14.97 | 35.00 | 4.54 |
| Total Assets (₹ cr) | 52,298 | 64,622 | 54,123 |
| Total Liabilities (₹ cr) | 42,366 | 53,720 | 48,411 |
| Equity (₹ cr) | 9,932 | 10,902 | 5,712 |
| Operating Cash Flow (₹ cr) | 2,015 | 2,345 | -2,729 |
Annual Reports & Regulatory Compliance
| Aspect | Status & Details |
| SEBI Reg. 52 & 62 disclosures | Compliant |
| RBI NBFC-ND-SI guidelines | Fully complied |
| ISO 9001:2015 certification | Yes |
| Auditor’s Reports | Unmodified |
| Secretarial Audit | Compliant |
IPO Preparations & Listing Plans
| Stage | Details |
| Draft Red Herring Prospectus | Filed August 01, 2024 – SEBI approval awaited |
| Potential FPO/Preferential | Planned post capital raise and strategic expansions |
| Unlisted Shares Platform | Liquidity via private trades on dedicated portals |
FAQs – How to Buy or Sell Hero FinCorp Limited Unlisted Shares
How can I buy Hero FinCorp Limited Unlisted Shares?
Register on an unlisted-share platform, complete KYC, search “Hero FinCorp Unlisted Shares,” select desired lot, place buy order; shares credited to your demat account.
What is the minimum lot size for Hero FinCorp Limited Unlisted Shares?
Minimum lot size is typically 50 shares, subject to platform and counterparty terms.
What documents are required for Hero FinCorp Limited Unlisted Shares transactions?
PAN card, Aadhaar, canceled cheque, Client Master Report, and active NSDL/CDSL demat account.
What is the current lock-in period for Hero FinCorp Limited Unlisted Shares?
Six months from the date of acquisition, per SEBI guidelines.
How are Hero FinCorp Limited Unlisted Shares transferred between accounts?
Via Delivery Instruction Slip (DIS) offline or e-DIS online through your broker.
What are the current valuation metrics for Hero FinCorp Limited?
Unlisted price range ₹800–₹1,100; FY 2023 EPS ₹35; book value ₹415; P/E ~31x; P/B ~2.65x.
What makes Hero FinCorp Limited shares attractive for investment?
Leading two-wheeler finance, robust AUM growth, improving asset quality, strong RoA and CAR.
What are the tax implications of Hero FinCorp Limited Unlisted Shares transactions?
Short-term gains taxed at slab rates; long-term gains (>24 months) taxed at 10% without indexation; dividends per individual tax bracket.
Can I pledge Hero FinCorp Limited Unlisted Shares for loans?
Yes—lenders accept quality unlisted shares as collateral, offering 50–70% LTV based on liquidity.
What is the outlook for Hero FinCorp Limited’s IPO and exit opportunities?
SEBI approval awaited for DRHP; follow-on public offer or preferential issue expected post-FY25 expansions, offering liquidity and exit routes.
