Hinduja Leyland Finance Limited

Asset Finance

Serving Retail Customer

Serving Small Businesses

Serving Fleet Operators

Serving Entrepreneurs.

They operate across both urban and semi-urban India.

Hinduja Leyland Finance Limited finances commercial vehicles, which can be either light or heavy commercial vehicles. Additionally, they provide financing for passenger vehicles, two-wheelers, three-wheelers, tractors, and construction equipment. They allow loans against property and affordable vehicle loans as part of their services. They also provide used-vehicle financing. Their main source of income is via interest on loans, and other sources include fees, commissions, and financial income. They source customers for the distribution of their loans via their wide branch network and tie-ups with vehicle manufacturers and dealers.

With a standalone total income of Rs. 4513 crore and a profit after tax of Rs. 408.24 crore in FY 2024-2025, they have had a significant increase in profits. Their assets under management has also increased from Rs. 38,685 crore to Rs. 47,872 crore. Their net worth currently stands at Rs. 7299 crore.

HLF is promoted and supported as a partner by Ashok Leyland. The funding of their loan portfolio is through borrowings and other financing sources. This allows access to capital and borrowing costs critical to the profitability of the company.

Hinduja Leyland Finance Limited has many subsidiaries and associated companies, which extend its operations beyond vehicle financing. The principal subsidiary, Hinduja Housing Finance Limited (HHFL), provides home loans for property purchase and construction. Gaadi Mandi Digital Platforms Limited is in the business of a digital used vehicle marketplace that complements HLF’s vehicle financing business. HLF Services Limited is an associate company offering human-resource and related support services.