HDB Financial Services Ltd. (HDBFS) is a prominent Non-Banking Financial Company (NBFC) in India, established in 2007 as a subsidiary of HDFC Bank. The company is recognized for its financial stability, holding CARE AAA and CRISIL AAA ratings for long-term debt, along with an A1+ rating for short-term instruments. HDBFS offers a wide range of lending solutions, including secured loans such as auto, gold, and business loans, as well as unsecured options like personal loans and consumer durable financing. It serves both individual and business clients, focusing on financial inclusion through its extensive network of over 1,747 branches across 27 states and union territories. Additionally, HDBFS provides BPO services, including document verification and contact center management, enhancing its operational reach in over 831 cities. The company combines physical branches with digital solutions to ensure accessibility for underserved markets.