Hero Fincorp Unlisted Shares
Hero Fincorp Ltd.
INE957N01016
Incorporation Date: 16-Dec-1991
Listing Status: DRHP Approved
About Hero Fincorp Unlisted Shares
Overview of Hero Fincorp Unlisted Shares
Hero Fincorp Ltd. is the financial services arm of Hero MotoCorp Ltd., offering solutions like two-wheeler financing, SME lending, and personal loans. Established in 1992 as Hero Honda FinLease Limited, it was renamed after Hero MotoCorp acquired full ownership post Honda's exit from their joint venture.
The company has a vast presence with nearly 2000 retail outlets, 2000 corporate clients, and 1000 dealerships across 1900 cities, towns, and villages. It holds a “AA+ (Stable)” rating from CRISIL, ICRA, and CARE.
Timeline
- 1991-2012: Incorporated as Hero Honda Finlease Ltd. | Renamed as Hero Fincorp Ltd.
- 2013-19: Received equity infusion of INR 106 Cr. | Launched Two-Wheeler Financing business, Used Car Business | 3000 touchpoints in 1700+ locations
- 2020: Achieved the status of India's No.1 Two-Wheeler Financier. | Among the Top 3 NBFCs in Pre-Owned Car Loans. | Secured a fund-raising agreement of INR 1,075 Cr. from PE Investors & Promoters.
- 2021: Launched a Customer Service App. | Introduced 'SimplyCash', a digital Loan Product.
- 2022: Launched Partnership Loans and achieved Disbursal of INR 1,900 Cr.+ in the first year.
- 2023: Achieved the highest-ever Disbursals in FY23 | Launched EV Financing | Crossed 10 Mn. Customers | Recognized as 'Great Place to Work' for the 6th year in a row.
- 2024: Achieved ₹53,642 Cr AUM & ₹34,463 Cr disbursals; new brand identity; 11 Mn lives touched.
Product Portfolio
The Company provides a wide portfolio of financial products including:
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Retail Loans |
Corporate Loans |
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Two-Wheeler Loans |
SME and Commercial Loans |
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Used-Car Loans |
Supply Chain Financing |
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Personal Loans |
Working-Capital Loans |
Subsidiary: Hero Housing Finance Ltd.
- Hero Housing Finance Limited (HHFL) is a wholly owned subsidiary of HFCL subsidiary of Hero Fincorp Ltd.
- HHFL commenced its lending operations from April, 2018.
- Products: Housing loans, loan against property and construction loans.
Insights of Hero Fincorp Unlisted Shares
Key Consolidated Financials (in ₹ Cr)
| Line Item | FY25 | FY26 | YoY Change |
Consolidated AUM | 51,821.00 | 58,663.00 | +13.20% |
Total Revenue (Total Income) | 9,903.33 | 9,593.41 | -3.13% |
Finance Costs | 3,827.71 | 3,766.43 | -1.60% |
Operating Profit (PBTD) | 4,179.77 | 3,766.09 | -9.89% |
Profit / (Loss) Before Tax (PBT) | 256.09 | (101.21) | Turnaround to Loss |
Profit / (Loss) After Tax (PAT) | 109.95 | (226.01) | Turnaround to Loss |
Strategic Insights & Business Analysis
Hero FinCorp (HFCL) is executing a strategic pivot toward a safer, technology-driven lending model
Key Takeaways:
Accounting Rule Impact vs. Core Profits: The reported net loss of ₹226.01 Cr in FY26 is primarily due to an Ind AS accounting rule requiring Compulsorily Convertible Preference Shares (CCPS) to be treated as liabilities and marked to market through the P&L statement
. On an adjusted operational basis (treating CCPS as equity per the Companies Act), the business generated a positive net profit .Pivot to Secured, Low-Risk Assets: HFCL intentionally reduced its exposure to high-risk, unsecured digital consumer loans
. . Instead, it channeled capital into lower-risk, secured products like two-wheeler financing, used car loans, and housing finance through its subsidiary, Hero Housing Finance Ltd (HHFL) .Significant Asset Quality Cleanup: AI-driven credit checks and smarter collection engines helped reduce bad loans substantially
. . Consolidated Gross Non-Performing Assets (GNPA) improved from 5.1% in H1 FY26 down to 4.0% in H2 FY26 .Strong Subsidiary Performance: Hero Housing Finance (HHFL) delivered a standout performance with Profit After Tax (PAT) surging 57.5% YoY to ₹80.49 Cr
.Lower Borrowing Costs & Healthy Capital: Average borrowing costs declined from 8.6% in FY25 to 8.2% in FY26.
. The Capital Adequacy Ratio (CAR) stands at 16.80%, safely above the RBI regulatory threshold of 15.0% .Public Listing Roadmap: With its Initial Public Offering (IPO) prospectus (DRHP) already reviewed by SEBI, HFCL is preparing for its public market debut to support long-term growth.
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Financial Charts of Hero Fincorp Unlisted Shares
Balance Sheet of Hero Fincorp Unlisted Shares
Profit and Loss of Hero Fincorp Unlisted Shares
Ancillary of Hero Fincorp Unlisted Shares
Ratio Analysis
Peers
Industry Benchmarking
Segment Revenue
Subsidaries
Security Allotment
Corporate Governance
Team Management Details
FAQs of Hero Fincorp Unlisted Shares
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How to buy Hero Fincorp Ltd.?
Below are three ways through which you can purchase Hero Fincorp Ltd.:
- We at Altius Investech have many actively traded scripts and are market makers of unlisted shares. To check out all the unlisted shares traded. (Click on link). To submit a request to buy Hero Fincorp Ltd., please click on the trade button at the top of this page
- Additionally, you can download our app from your play store or app store, register on our application, and engage in active trading there.
Download the Altius App here https://onelink.to/hf4m72 - You can also reach out to us at : +91 8240614850 / +91 8240861716
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How to sell Hero Fincorp Ltd.?
Below are three ways through which you can sell Hero Fincorp Ltd.:
- We at Altius Investech have many actively traded scripts and are market makers of unlisted shares. To check out all the unlisted shares traded. (Click on link). To submit a request to sell Hero Fincorp Ltd., please click on the trade button at the top of this page
- Additionally, you can download our app from your play store or app store, register on our application, and engage in active trading there.
Download the Altius App here https://onelink.to/hf4m72 - You can also reach out to us at : +91 8240614850 / +91 8240861716
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What is the price of Hero Fincorp Ltd.?
We provide a two way quote on all the shares we deal in. Your buy price for Hero Fincorp Ltd. is ₹1015 and your sell price for Hero Fincorp Ltd. is ₹900. The price is based on our estimates and market conditions.
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What is the lock-in period of Hero Fincorp Ltd.?
The lock-in period for Hero Fincorp Ltd. varies depending on the category of investors:
- For retail Investors, HNIs, or Body Corporates, the lock-in period is 6 months from the date of the listing of Hero Fincorp Ltd.
- For Venture Capital Funds or Foreign Venture Capital Investors, there is a lock-in period of 6 months from the date of acquisition of Hero Fincorp Ltd.
- For AIF-II (Alternative Investment Funds - Category II), there is no lock-in period
August 2021 saw the introduction of this regulation by SEBI. The purpose of the regulation change, which lowered the lock-in period from a year to six months, was to incentivize additional investments in firms getting ready for initial public offerings, or IPOs. Since its introduction, a number of Portfolio Management Services (PMS) have advised their clients to purchase Pre-IPO shares in order to take advantage of the advantages associated with early-stage investments. This reduction in the lock-in period is considered as a significant step forward.
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How is the Hero Fincorp Ltd. price calculated?
Fundamental & Comparative valuation models and the forces of demand and supply in the market for unlisted shares dictate the price. These prices are based on our estimates and transaction history of Hero Fincorp Ltd.. The price is also determined from the most recent funding round for Hero Fincorp Ltd.. This provides us with a benchmark valuation, offering a clear indication of the company's current market value as perceived by investors and industry experts.
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What are the lot sizes of Hero Fincorp Ltd.?
We can generally arrange lot sizes starting with an investment of INR 20,000. To confirm the lot sizes of Hero Fincorp Ltd. with us kindly click here.
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What are the financials of Hero Fincorp Ltd.?
The financials of Hero Fincorp Ltd. which includes the P/L of Hero Fincorp Ltd. and the Balance Sheet of Hero Fincorp Ltd. is in the financials section (Click on link).
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Where can I find the annual report of Hero Fincorp Ltd.?
The annual report of Hero Fincorp Ltd. is available in the annual report section (Click on link).
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Is buying Hero Fincorp Ltd. legal in India?
Yes, buying and selling unlisted shares in India is indeed 100% legal. This activity is regulated and governed under the guidelines provided by the Securities and Exchange Board of India (SEBI). Investors and traders must adhere to these regulations and guidelines to ensure compliance with legal and financial standards. It's important for participants in the unlisted share market to be aware of and understand these regulations to engage in transactions legally and securely.
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Short-term Capital Gain taxes to be paid on Hero Fincorp Ltd.?
When you sell unlisted shares within a period of two years from the date of acquisition, any profit earned from the sale is classified as Short-term Capital Gain (STCG). This gain is then added to your total income for that financial year. The tax on this short-term capital gain is calculated based on your applicable individual income tax slab rates. Therefore, the rate at which you will pay tax on the STCG from unlisted shares depends on your total income, including this gain, and the tax slab it falls under as per the prevailing income tax laws in India. It's important for investors to consider these tax implications when engaging in transactions involving unlisted shares.
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Long-term Capital Gain taxes to be paid on Hero Fincorp Ltd. and how are They Taxed?
Long-term Capital Gains (LTCG) on unlisted shares in India refer to the profits earned from the sale of unlisted shares that have been held for more than two years. The key aspects of LTCG on unlisted shares include:
- Tax Rate: LTCG on unlisted shares is taxed at a rate of 20%.
- Indexation Benefit: This is a significant advantage for investors. Indexation allows for adjusting the purchase price of the shares for inflation, which can reduce the taxable gain.
- Importance for Investors: Understanding LTCG is crucial, especially for High Net-worth Individuals (HNIs) and retail investors, as it impacts their investment strategy and tax planning. Knowing these details helps in making informed investment decisions.
- Calculation: LTCG is calculated by subtracting the indexed cost of acquisition (the purchase price adjusted for inflation) from the sale price of the shares. The profit thus calculated is subject to a 20% tax.
- Applicability: LTCG tax is applicable to profits from the sale of unlisted shares held for more than two years.
- Relevance: This tax is particularly relevant to investors in the unlisted share market, including those considering selling their holdings after a period of more than two years.
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Applicability of Taxes on Hero Fincorp Ltd. once it is listed?
When shares initially bought in the unlisted market become listed, the taxation rules change significantly if these shares are sold through a stock exchange. Here's what investors need to know:
Transition to Listed Market Tax Rates: Once unlisted shares are listed on the stock exchange and subsequently sold, the tax rates applicable to listed securities come into effect. This shift means that the favourable tax treatments for listed shares, as per the prevailing tax laws, will apply.
Taxation Based on Holding Period: The crucial factor in determining the type of capital gains tax (Long-term or Short-term) is the holding period of the shares. Importantly, this period is calculated from the original purchase date when the shares were unlisted.
Long-term vs. Short-term Capital Gains: If the shares are sold after being held for more than one year from the date of purchase (including the period when they were unlisted), they are subject to Long-term Capital Gains (LTCG) tax.
Conversely, if sold within one-year, Short-term Capital Gains (STCG) tax rates apply.
Significance for Investors: This information is vital for investors in the unlisted market, as it impacts their tax planning and decision-making process. Understanding these nuances ensures that investors can strategically plan the sale of their shares post-listing to optimize tax implications.
Advice for Investors: It's advisable for investors to keep a record of their purchase dates and monitor the listing dates closely. Additionally, staying updated with the latest tax regulations or consulting with a financial advisor is recommended for accurate tax calculations and compliance. -
How does Altius Investech source Hero Fincorp Ltd.?
At Altius Investech, our approach to sourcing Boat Unlisted Share (Imagine Marketing) involves a strategic and direct method. Primarily, we acquire these shares from the below key groups:
Employees of the Company: Employee stock option plans (ESOPs) or other compensation packages frequently include shares for firm employees. For a various reasons, such as including portfolio diversification or financial considerations, some of these employees may eventually choose to sell their shares. We engage with these employees, providing them a platform to sell their shares.
Initial Investors: These are the angel or early-stage investors who provided capital to the business in its early stages. These original investors may look to sell all or part of their ownership position in the company as it develops and flourishes. This might be done for various reasons such as in order to maximise their investment, reallocate resources, or make other calculated financial decisions.
Funding rounds and VC funds: Altius Investech sources the shares from private placement rounds in which private companies seek to obtain capital from the market. Through our platform, venture capital funds can liquidate their shares and we receive the inventory from them when they decide to sell a portion of their ownership through block trades.
By establishing connections with these groups, Altius Investech guarantees our clients a steady and dependable supply of Boat Unlisted Share (Imagine Marketing). This process not only makes it easier for employees and initial investors in liquidating their assets, but it also gives our clients access to shares that aren't often found on the open market. Our platform effectively facilitates a win-win situation for both buyers and sellers. -
How to trust Altius Investech before buying Hero Fincorp Ltd. from its platform?
Altius Investech stands at being India's fastest growing and leading marketplace for buying and selling unlisted shares. We believe in enabling access to alternative sources of investments at lower entry barriers to private equity investments.
With more than 25 years of experience, Altius Investech has carved a niche in the financial market by serving more than 8000 clients. The incredible journey is further highlighted by the vast number of transactions that Altius Investech has facilitated transactions that have already exceeded 300 crores.
For investors Altius Investech curates investment opportunities in companies at reasonable valuations which are on the verge of an IPO leading to massive value unlocking. Investments are backed by thorough research and sound investment thesis, with a time bound exit plan.
For ESOP Shareholder and existing Investors, we assist them to liquidate their shares even if they are not publicly traded by creating a platform where we find the right buyers and sellers for the best prices.
Altius Investech have been featured in top media news outlets like Economic Times, Financial Express, Money control. Check out about us on these - leading publications (Click on link) Our journey over these years has not just been about numbers; it's been about building trust and reliability.
We at Altius Investech are dedicated to upholding the greatest levels of ethics and transparency, making sure that your investment experience is not only profitable but also safe and reliable.
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