HDB Finance IPO Review in Hindi – Janiye Unlisted Shares Me Invest Ka Sach Aur Khatre
🔍 Unlisted Share Aur Hipe Ka Dhokha
Higer return ki chah me jo bhi invest kartehai unko hone wala hai loss. Bahut achcha listing gain bhi raha to brak iven hoga. Lekin jab aap unlisted stocks me invest karte ho, kayi kayi saal liquiditi nahi raheti. Baithe rahete ho, unregulated plers se kharidte ho, risk lete ho. Aapki ummide bahut upar jo jati hai.
To ab is IPO ka kya kare? ye IPO abhi kyo aa raha hai? Aapne pahele se liya huaa hai to aapko kya karna hai? aur iske jaise aur unlisted stocks agar aapne liye huye hai to aapko kya karna hai?
📊 HDB Finance: Ek Fundamental Analysis
Is lekh me ham baat karenge HDB Finance IPO Review in Hindi me, aur samjege ki is company ka business model kya hai, kyo ye IPO abhi aa raha hai aur kya is me invest karna sahi rahega?
Ye lekh apnaapnablogs dhvara prastut kiya gaya hai. Sabse pahela saval aapko jab business ko fundamentaly samajna hai to ye wah ki HDFC bank ki ye sabsidary hai. 94% ka stek hai. HDFC bank ka paisa milta hai saste me kyoki current account , saving account meusko kam interest rate dena padata hai. Fir vo aage use loan ke rup me de shakata hai.
🏦 Bank Banaam NBFC: Kya Fark Hai?
To ye ek aur NBFC kyo jiska kaam hi loan dena hai? Do-do entitij seye busines hota kyo hai?
Dekho HDB Financial ek NBFC hai. HDFC bank hai. Ab is se ek major fark aa jata hai. Agar aap bank ho to aapko fund acjivision cost bahut lo rahtahai kyoki current accoount me aapko kuchh paisa nahi dena , saving account me bahut kam paisa dena hai. Fund saste me mil jate hai.
Lekin downsidebhi hai- SLR aur CRR(Statutory Liquidity Ratio aur Cash Reserve Ratio). Ye dono mila ke lagbhag 22-23% hota hai. Yaani bank ko 100 mil rahe hai to 22 ko loan ke rup me aage nahi de shakata.
💸 Bank ki Profitabality Aur NBFC Ka Age
Bachne walee 77-78% paise see hi kamayi karni hoti hai. Bank ki profitabality kam hoti hai. Ye problem NBFC me nahi hoti. Isliye har bank ek NBFC front rakhta hai ya rakhna chahti hai. Kyoki NBFC ko pura 100 loan me lagane ki azadi hoti hai.
Ek aur fark ye hai ki banko ko RBI mendet hai ki 40% loan praioti sector jaise agriclulture, MSME ityadi ko dena hota hai.
🌍 Rural Exposion Banaam Profitabality
Banko ke liye gaav me branch kholna aur loan dena mahanga padata hai. Jab ki NBFC ko ye mendet nahi hota isliye wo jyada daynamic aur ajayil hote hai. Wo jo profitable lagata hai, usi segment par focus kar shakate hai.
⚠️ Unlisted Investers Ki Narajagi
Ab problem ye hai ki unlisted investors naraj kyo hai? Kyoki ham unregulated market me gambling karte rahete hai. Jo cheez chhupti huyi hoti hai, vahi jyada attractive lagti hai.
Thode din pahele Finology 30 par hamne ye bataya tha ki ham kyo loss meking companyo aur pre-IPO startup se dur rahete hai. detail me logic saja kiya gaya tha.
📉 Bajaj Finance Banaam HDB Finance: Ek Tulna
Growth ki baat kare to Bajaj Finance behtar hai. NPA, ROE- har fundamental me behtar hai. Fir bhi HDB Finance ka voluation usse upar tha – 1250 ke ore-IPO pick valuation par.
Isliye correction jaruri tha HDB ko ye samaj me aa gaya, isliye unhone IPO ko 3.3 price to book value par laya jab ki Bajaj Finance ka 5.8 hai. Yaani discount par laya hai, kyoki wo fundamentaly weak hai.
✅ Kya HDB Kharab Company Hai?
Nahi, ye kharab company nahi hai. Lekin aapne use galat value par kharida hai lalach me. Jab ki regulatd market me 5000 achchi companya pahele se mojud hai. to wanhi kyo nahi rahete?
🧠 Samajdarri Bhara Invest Kaise Kare?
Mehnat ka paisa baar-baar kyo gavana? NSC,Chennai Super Kings jaise unlisted share saalo se garrm hai, lekin IPO nahi aaya. Sirf kagaji valuation dekh ke khush mat hoyiye. HDFC khud listed hai, vanha kyo nahi invest karte?
🎯 Finology 30 – AApke Liye Sahi Vikalp ?
Agar aap confused hai to Finology 30 sahi hao shakata hai. Isme 30 best stocks har 12 din me ek ek karke pesh kiye jaate hai. taaki saal bhar me ek davarsified portfoliyo ban jaye.
📌 Conclusion
HDB Finance IPO Review in Hindi me hamne dekha ki kis tarha ek achhi compnay ko galat valuation ke sath kharidne par loss ho shakata hai. IPO ya unlisted share me invest karte samay keval hipe nahi, fundamentasl ko samajna jaruri hai.
FAQs – HDB Finance IPO Review in Hindi
yanha ham aapke liye prastut kar rahe hai ek vistrut aur SEO friendly FAQ section, jisme hamne “HDB Finance IPO Review in Hindi” par adharit pramukh savalo aur unke uttaro ko shamil kiya hai.
❓ Q1 HDB Finance Kya Hai Aur Ye HDFC Bank Se Kaise Judi Hai?
Ans. HDB Finance ek pramukh NBFC (Non-banking Financial Company) hai, jo HDFC Bank ki ek subsidary hai. HDFC Bank ka isme 94 stek hai. Ye company mukhya rup se consumer loan, gold loan,business loan aadi pradan karti hai.
❓ Q2 HDB Finance IPO Review in Hindi Me Is IPO Ke Baare MeKya Chinta Jatai Jaa Rahi Hai?
Ans. Bahut saare investorres ne HDB Finance IPO ko lekar chinta jatayi hai kyoki ye compnay lambe samay tak unlisted rahi hai, aur kayi investers ne ise galat valuation par kharda. Unregulated market me aise invest high risk vale hotehai aurr liquideity ki kami bhi hoti hai.
❓ Q3 Kya HDB Finance IPO Bajaj Finance Se better option Hai?
Ans. Fundamentals ki baat kar to Bajaj Finance growth, NPA,ROE aur profitabality jaise har paimanae par HDB Finance se behtar hai. Halaki HDB ka IPO 3.3 price book valua par laya gaya hai, jo Bajaj ke mukable sasta jrur hai, lekin business quality me kami hai.
❓ Q4 unrecorded Shares Me Invest Kyo Jokhambhara Mana Jata Hai?
Ans.Unrecorded Shares me invest jokham purna hota hai kyo ki ye share unregulated me tredn hote hai. Isme na to uchit discolser hota hai aur naa hi niyamit liquidity. Iske alava, kayi baar inki valuation bahut high kar di jati hai, jo baad menukshan ka karan ban shakati hai.
❓ Q5 HDB Finance IPO Me Invest Se Paheele Kin Bato Ka Dhyan Rakhna Chahiye?
Ans. Invest se pahele company ke fundamentals, valuation,price to book ratio, aur pratishpardhiyo se Bajaj Finance se tulna jarruri hai. Iske alava, invester ko ye samjana chahiye ki IPO ki hipe aur midiya promotion ka asar niryan par nahi padana chahiye.
❓ Q6 Kya Ye IPO Long Term Ke Liye Achcha Hai?
Ans. HDB Finance ek shthir company jarur hai, lekin iski growth aur financial stenth Bajaj Finance jaisi companyo sekamjor hai. Yadi invester long term ke liye value me invest karna chahte hai, to unhe achche valuatin par entry talash karni chahiye.
❓ Q7 Kya Finology30 Jaisi Website Lena Upyogi Hai?
Ans. Haa, Finology 30 jaisi plateform financial freedom aur un biigherd invest salah dene ke liye behtarin hai. yaha aapko imandar review, sahi tulna aur long term ranniti par focus milta hai.
❓ Q8 Kya HDB Finance IPO Me Abhi Invest karcha Chahiye?
Ans. Agar aapne ab tak aavedan nahi kiya hai, to behtar hai ki market me iski listing ke baad hi iska pradarshan dekhe. Market se realtime valuation milti hai aur hipe se dur rahna samajdarri hai.
❓ Q9 HDB Finance IPO Review in Hindi Padhane Ka Labh Kya Hai?
Ans. is tarha ka review padhane se aapko company ki haqeeqat samajne memadad milti hai, jisse aap hipe me aakar nahi balki tathyo ke aadhar par invest nirnay le shakate hai.
Conclusion
Yadi aap IPO me invest ki yojana bana rahe hai, to “HDB Finance IPO Review in Hindi” jaise gahrayi se likhe lekh aur FAQs aapko jagruk aur satark investers ban ne me madad karte hai.