HCF Finance - Hyundai Capital Financial Platform

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COMPANY OVERVIEW

Hyundai Capital

Hyundai Capital is a global leader in mobility finance, providing auto loans, leasing, and related financial services. As a member of Hyundai Motor Group, we leverage decades of industry expertise to deliver innovative solutions worldwide.

Parent Company: Hyundai Motor Group
Parent Company: 1986 (Origin of Hyundai Capital in Korea)
Global Presence Operating in Korea, China, India, USA, Europe and more — delivering mobility finance services across 14 countries worldwide.
Our Mission To provide convenient, flexible and affordable financial solutions that empower mobility and enrich lives.

Hyundai Capital Delivering Financial Solutions for a Better Future

CONVENIENT Easy access and simple process

FLEXIBLE Tailored solutions for your needs

AFFORDABLE Competitive and transparent

Empowering mobility. Enriching lives.

HYUNDAI CAPITAL FINANCIAL PLATFORM

INDIA

Hyundai Capital Financial Platform is the Indian financial services company under Hyundai Motor Group, focused on automotive finance and consumer finance.

Hyundai Capital Delivering Financial Solutions for a Better Future

New Car Finance

Used Car Loans

Corporate Financing

Insurance Solutions

Digital Financial Services

Our vision is to be the most trusted financial partner, driving mobility and prosperity for a better tomorrow.

Established 2010.
Headquartered Presence in major cities across India, in close collaboration with Hyundai Motor India Limited (HMI).
Primary Objective To provide loan and financial solutions to individual and corporate customers, supporting Hyundai's sales growth in the Indian market.

It is a wholly owned financial company of Hyundai Motor Group in India. Its primary purpose is to provide automotive finance, used car loans, and corporate financing services to Hyundai customers in the Indian market. Since its establishment, HCF has gradually built a widespread branch network across major cities in India and works closely with Hyundai’s sales network.

HCF’s strategy since inception is to leverage the Hyundai brand and expand from new car loans to used car loans, corporate financing, insurance and digital financial services, with a strong focus on digital finance and continuously improving the automotive financial ecosystem in India.

OUR PHILOSOPHY

Values That Drive Us Forward

OUR BUSINESS PHILOSOPHY

People First, Integrity in Business, Quality Above All.We are committed to deeply understanding our customers' needs and delivering optimal financial solutions. Through continuous innovation, we create exceptional experiences that empower people to build a better life.

OUR CUSTOMER FOCUS

We serve discerning and insightful consumers-individuals who constantly explore new possibilities, embrace new challenges, and seek more in life to achieve a better future.

OUR BRAND COMMITMENT

We continuously and steadily build our brand, communicating our core belief in"Advancing an Omnichannel Financial Ecosystem".

OUR WAY FORWARD

We combine a modern perspective with a pragmatic mindset, constantly evolving our core values to stay aligned with the changing world and the needs of the future.

People First We respect and empower people, creating value together.

Integrity in Business We conduct our business with honesty, transparency, and responsibility.

Quality Above All We pursue excellence in every detail to deliver the highest quality.

Continuous Innovation We embrace change and innovate to create new experiences and value.

Empowering people and business with smart financial solutions, together building a sustainable and prosperous future.

BACKGROUND AND REASONS FOR ESTABLISHMENT

1.PARENT COMPANY STRATEGIC BACKGROUND

Leveraging Hyundai Motor Group's global automotive financial experience to pioneer market
expansion and customer value creation.

Global Expansion of Hyundai Group

Hyundai Motor Group has established specialized financial subsidiaries worldwide (such as Korea, the U.S., and China) to support vehicle sales and provide integrated financial services globally.

Financial Services as Sales Support

Through tailored financial services (loans, leasing, insurance), HCF lowers the barrier for consumers to purchase vehicles, boosts sales conversion, and significantly enhances customer retention.

Replication of Successful Group

The highly successful automotive finance operational model proven in Korea and mature international markets is adapted and introduced to India to accelerate regional market growth.

" Empowering Automotive Sales and Driving Customer Value through Finance "

BACKGROUND AND REASONS FOR ESTABLISHMENT

2.INDIAN MARKET ENVIRONMENT & OPPORTUNITIES

India Passenger Vehicle Sales

Units in Millions (2008 - 2016)

Key Insight: Around 2010, India emerged as one of the fastest-growing automotive markets in the world.
The rise of the middle class significantly increased demand for private vehicles.

Challenges with Traditional Bank Loans

Longer approval cycles delay purchasing decisions.
Complex documentation requirements deter potential buyers.
Higher entry barriers & rigid credit scoring systems.

Consumers need faster more flexible and convenient car loan solutions

Used Car Market

With economic development the used car market is growing rapidly.

Corporate

Corporate fleet purchases are also on the rise requiring professional financial service support

" The dynamic Indian market environment created a strong need
for a customer-centric, innovative, and flexible financial platform. "

BACKGROUND AND REASONS
FOR ESTABLISHMENT

3. DIRECT PURPOSES OF HCF ESTABLISHMENT

Car + Finance + Insurance One-Stop Experience

Creating seamless integration between automotive sales and financial technology

Car Ownership

Flexible Finance

Insurance Protection

SUPPORT HYUNDAI
VEHICLE SALES

Provide loans for new and used car purchases, lowering the barrier to ownership.
Offer corporate fleet financial solutions, expanding the base of corporate customers

FINANCIAL INNOVATION AND
BRAND VALUE ENHANCEMENT

Introduce flexible loan. leasing, and insurance
services to create an integrated "Car + Finance + Insurance" one-stop experience.
Drive digital financial services to improve approval efficiency and customer experience.

LONG-TERM
MARKET STRATEGY

Lock in customers through financial services, increasing customer loyalty and Hyundai's market share in India.
Pave the way for future new energy vehicles and green finance products.

CORPORATE MISSION STATEMENT

Our mission is to provide seamless financial sustainable value for the
future."lasting relationships, and create sustainable balue for the future'.”

Lower Barrier to Ownership

Stronger Corporate Partnerships

Better Customer Experience

Digital-First Financial Services

Sustainable Future

BACKGROUND AND REASONS
FOR ESTABLISHMENT

SUMMARY

The establishment of Hyundai Capital Financial Platform (HCF) is the strategic result of Hyundai Motor Group’s global expansion, the rapid acceleration of India's automotive market, and the critical need for flexible digital finance.

HCF's goal goes beyond providing loans--it aims to build a comprehensive ecosystem that supports automotive sales through innovative and digital financial services.

Global Strategy, Local Commitment

Part of Hyundai Motor Group's global financial network, committed to India's long-term growth.

Meeting Market Needs

Addressing the rising demand for vehicles with customer-centric and flexible financing solutions.

Digital Innovation

Leveraging technology to deliver faster smarter and more convenient financial services.

Building Lasting Value

Enhancing customer loyalty, supporting Hyundai's market leadership, and driving sustainable growth.

Company Name Hyundai Capital India Private Limited

Platform Name Hyundai Capital Financial Platform (HCF)

Date of Incorporation 12 November 2012

Company Type Private Limited Company (Foreign-Owned Private Company)

Authorized Capital 765.00 Crore (Approximately 76.5 Crore)

Paid-up Capital 763.57 Crore (Approximately 76.357 Crore)

GSTIN 07AADCH0493A171

Corporate Identification Number (CIN) U65100HR2012FTC112515

Registered Office Address 6th Floor, Tower A, Golf View Towers, Golf Course Road, Sector 42, Gurugram, Haryana 122002, India

Strong Financial Foundation

Trusted & Transparent

Committed to Excellence

Customer-Centric Approach

Sustainable Growth for the Future

HCF GROUP & HDFC BANK

Jointly Issuing Online Financial Products to Build a New Digital Finance Ecosystem

HCF Group and HDFC Bank leverage production facilities and offline sales networks to jointly issue innovative online financial products.
Users who hold HCF financial online products can participate in digital work, access employment opportunities, and earn long-term, stable, and high returns.