Hero FinCorp Limited Unlisted Shares
Hero Fincorp Limited overview:
Hero FinCorp. Limited was Incorporated in December 1991 as Hero Honda FinLease Limited; the restructuring of the parent company Hero MotoCorp Limited, led to the present form as Hero FinCorp Limited.
The company is in the business of financing, leasing, bill discounting and other financial services. The company provides housing loans through its subsidiary Hero Housing Finance Ltd.
The company currently has a presence at over 4,200 touch points spread over more than 2,000 locations. The company’s AUM as on 31.03.2024 stands at INR 51,821 Crs. with over 11Mn customers and employs over 15000 employees.
Products of the company:
Retail Loans:
- Two-wheeler Loans: The company provides two-wheeler loans to customers at a competitive interest rate.
- Used Car Loans: The company is a best-in-class provider of Financing Solutions for both certified & non-certified Used Cars.
- Personal Loan: The company provides personal loan to its customers at a competitive interest rate.
Corporate Loans:
- Loan against property: The company provides loans to its clients against residential, commercial and industrial properties as collateral.
- SME and commercial loans: The company provides SME and commercial loans at affordable interest rates coupled with easy documentation, quick approval, repayment flexibility, proactive customer service and transparency.
- Supply chain finance/ bill discounting: The company supports the immediate liquidity requirement of the clients by providing them funds against their receivables at attractive interest rates. The loans can be secured/ unsecured depending on the rating of the company of which the bills are raised.
- Working capital loan: The company provides a working capital loan to the clients as and when they require funds to fulfill some high-value orders or higher amount order processing in a short time.
Besides the above, the company also provides machinery loans, medical equipment finance, etc. to its customers.
SWOT Analysis:
Strengths: The company has a PAN India network with a strong brand name. The company has a technology-enabled platform, scalable organization structure, process knowledge, experienced and stable senior management team, low cost of borrowing that has lead to strong financials and growth in AUM’s.
Weaknesses: Business growth and performance-linked with macro-economic cycles.
Opportunities: The finance market is largely untapped whether its rural or urban India. The cost of funds of NBFC with strong management and better performance can drop significantly and further advancement through a technology platform, which impacts the Hero Fincorp share price.
Threats: Asset quality deterioration may wipe of entire profits as well as the net worth of the company.
Board of directors of the company:
Past performance of the company (Consolidated):
(All figures INR in crores except specifically mentioned)
- Rating agencies have reaffirmed their rating for the long term and short-term ratings of the company I.e ICRA AA+ and CRISIL AA+ for NCD, subordinated debt and bank loan rating. The commercial papers of the company are rates by both ICRA and CRISIL A1+
- The Capital Adequacy Ratio (CAR) of the company is at 16.28% as against the mandated RBI limit of 15%.
Hero Fincorp Limited shareholding pattern as on 31.03.2024 is as under:
Hero Fincorp Limited annual report:
Hero FinCorp Limited Unlisted Shares:
Unlisteddeal review:
- The company is performing exceptionally well year on year basis and is increasing its reach along with an infusion of new capital through the right issue at INR 750/ share.
- Gross NPA of the company as on 31.03.2024 stood at 4.30%.
- The company has raised funds through a private placement at INR 820/ share to promoters and PE Investors.
- The company is has a strong product portfolio backed by strong management and has the potential to give good CAGR returns to the esteemed Hero Fincorp Shareholders.
Hero Fincorp Limited in the news:
1. How to buy Hero Fincorp unlisted shares?
Step by Step process to buy Hero Fincorp Limited unlisted shares is as under:
Step 1:A deal is proposed between unlisteddeal and buyer either on WhatsApp or over email.
Step 2: Buyer provides their client master copy for transfer of shares, PAN card copy, Aadhar card copy and cancelled cheque. The deal gets confirmed once documents provided are in order.
Step 3: Buyer transfers deal amount to bank account details provided by us and provide us with remitter name, bank account number, bank name and UTR no. for the amount transferred to us.
Step 4:We shall transfer shares to buyer account on the same day of receipt of funds and raise contract note. Transfer of shares
2. How to sell Hero Fincorp Limited unlisted shares?
Step by Step process to buy Hero Fincorp Limited unlisted shares is as under:
Step 1:A deal is proposed between unlisteddeal and buyer either on WhatsApp or over email.
Step 2: Buyer provides their client master copy for transfer of shares, PAN card copy, Aadhar card copy and cancelled cheque. The deal gets confirmed once documents provided are in order.
Step 3: Buyer transfers deal amount to bank account details provided by us and provide us with remitter name, bank account number, bank name and UTR no. for the amount transferred to us.
Step 4:We shall transfer shares to buyer account on the same day of receipt of funds and raise contract note. Transfer of shares
See the Infographic flow to sell the shares
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harshil@unlisteddeal.com 
