As HDB Financial Services gears up for its much-anticipated IPO, sources suggest that the company may implement minor adjustments to its business model to align with market expectations and regulatory clarity. The tweaks could involve changes in product mix, tighter underwriting standards, or revised cost structures aimed at boosting profitability and transparency. These developments follow reports that the IPO has been priced nearly 40% lower than earlier expectations, raising concerns among existing shareholders and prompting the company to reassess strategic priorities ahead of its listing.