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Overview

Detailed Summary

Housing and Urban Development Corporation Limited (HUDCO) is a public sector undertaking focused on providing loan financing for housing and urban infrastructure projects across India.
As a Navratna CPSE, HUDCO launched the Urban Invest Window to aid in developing bankable infrastructure projects, highlighting its commitment to boosting India's urban investment landscape.
HUDCO has a strong financial performance with a 51% year-on-year growth in loan sanctions for 9M FY26, demonstrating its ability to scale operations and seize market opportunities.
The company's unique positioning, supported by strategic relationships with state governments and a robust credit rating, places it at the forefront of India's infrastructure development sector.
HUDCO continues to maintain top-tier asset quality with notably low non-performing assets, reflecting prudent financial management and risk mitigation practices.

Sector: Finance
Industry: Financial Institution
Market Cap: 39,187 Cr
Volatility: High Risk
P/E Ratio: 9.7
Industry P/E: 18.6
PEG Ratio: 0.2
P/B Ratio: 1.8
52W High: 246.90
52W Low: 158.95

Sales CAGR

1Y: 32.10%
3Y: 14.03%
5Y: 6.48%
10Y: 13.86%

Profit CAGR

1Y: 27.99%
3Y: 16.43%
5Y: 9.66%
10Y: 14.78%

ROE

TTM: 18.36%
3Y: 13.05%
5Y: 12.64%
10Y: 11.94%

ROCE

TTM: 7.42%
3Y: 8.77%
5Y: 8.98%
10Y: 8.86%

Technicals

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services Finance Financial Institution

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
RECLTD		361.45	95,178 Cr	5.83	1.12	5.13	19.17	9.50	2.50
HUDCO		195.30	39,187 Cr	9.71	1.78	3.09	18.36	7.42	2.42
IREDA		120.30	33,851 Cr	18.07	2.46	1.12	13.59	7.89	2.00
IFCI		70.15	18,901 Cr	100.21	2.11	0.00	2.02	7.12	1.64
TFCILTD		87.21	3,198 Cr	37.34	3.12	0.87	8.95	11.18	4.39
HARAFIN		65.50	1,360 Cr	163.75	6.07	0.00	3.74	3.76	3.06
GUJSTATFIN		10.81	97 Cr	—	0.00	0.00	3.99	5.95	-54.49
Median: 7 Co.	—	87.21	18,901 Cr	27.71	2.11	0.87	8.95	7.42	2.42

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	2,013	2,065	2,188	2,518	2,760	2,845	2,937	3,219	3,431	3,563
Expenses	12	8.14	47	-138	73	-28	109	147	320	587
Interest	1,313	1,240	1,464	1,662	1,762	1,859	1,976	2,147	2,394	2,413
Financing Profit	688	817	678	994	924	1,014	852	926	717	563
Financing Margin %	34.20	39.55	30.97	39.49	33.49	35.64	29.01	28.75	20.90	15.79
Other Income	10	129	8.84	8.42	9.91	9.92	8.16	32	74	62
Depreciation	2.46	2.48	1.96	2.54	2.63	3.51	2.94	2.81	3.00	3.78
Profit Before Tax	696	943	685	1,000	932	1,020	857	955	788	621
Tax %	25.41	25.76	18.54	31.14	21.11	28.67	26.48	25.65	9.57	-219.05
Net Profit	519	700	558	689	735	728	630	710	713	1,981
EPS in Rs	2.59	3.50	2.79	3.44	3.67	3.64	3.15	3.55	3.56	9.90
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	3,499	4,171	5,548	7,532	7,235	6,954	7,049	7,784	10,311	11,060
Expenses	468	525	652	544	277	111	278	134	-46	16
Interest	1,986	2,295	3,071	4,848	4,765	4,533	4,507	4,961	6,747	7,260
Financing Profit	1,045	1,351	1,825	2,141	2,192	2,310	2,264	2,689	3,610	3,784
Financing Margin %	29.86	32.39	32.90	28.42	30.31	33.22	32.12	34.55	35.01	34.22
Other Income	86	63	43	39	43	43	37	164	37	36
Depreciation	4.68	5.46	5.30	5.71	6.98	7.90	11	9.86	11	12
Profit Before Tax	1,126	1,408	1,863	2,174	2,229	2,346	2,289	2,843	3,637	3,809
Tax %	29.59	28.29	36.67	21.44	29.17	26.83	25.68	25.56	25.50	26.98
Net Profit	842	1,010	1,180	1,708	1,579	1,716	1,701	2,117	2,709	2,782
EPS in Rs	—	—	5.93	8.54	7.89	8.57	8.50	10.58	13.54	20.16
Dividend Payout %	13.06	10.91	14.01	36.34	27.63	40.84	45.29	39.26	30.67	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002	2,002
Reserves	6,444	7,166	7,940	8,953	10,340	11,186	12,465	13,442	14,611	15,966
Borrowings	22,745	26,707	36,277	59,848	61,437	60,978	61,503	62,905	73,996	1,07,297
Other Liabilities	4,703	3,464	2,695	2,026	2,347	2,792	2,924	2,621	2,814	3,231
Total Liabilities	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	1,28,496
Fixed Assets	73	72	48	50	46	63	75	69	69	69
CWIP	39	43	35	39	52	39	25	19	15	16
Investments	0.00	0.00	527	535	232	250	257	630	297	1,318
Other Assets	35,782	39,224	48,304	72,205	75,796	76,607	78,536	80,251	93,042	1,27,093
Total Assets	35,894	39,339	48,914	72,828	76,126	76,958	78,894	80,969	93,422	1,28,496

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-4,965	-2,598	-7,830	-23,400	-1,336	2,161	-806	-851	-10,287	-31,603
Cash from Investing Activity	372	-4.86	-3.62	18	83	-14	-0.93	-352	435	-939
Cash from Financing Activity	4,659	2,509	7,858	23,422	1,365	-1,083	81	691	10,174	32,215
Net Cash Flow	66	-93	24	39	112	1,063	-726	-512	322	-326

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	81.81%	75.17%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%
FIIs	0.65%	1.20%	1.91%	2.70%	2.32%	2.08%	2.46%	1.96%	1.94%	1.97%	2.22%	2.40%
DIIs	7.15%	11.80%	11.39%	11.65%	9.05%	9.75%	9.69%	10.26%	10.92%	11.46%	11.03%	10.10%
Public	10.39%	11.83%	11.70%	10.65%	13.63%	13.17%	12.85%	12.78%	12.14%	11.57%	11.74%	12.50%
Total Shareholders	3,37,806	3,89,764	5,52,637	6,39,411	9,25,775	9,18,661	9,32,389	8,79,366	8,43,084	8,02,766	7,90,412	7,57,055

Market Transactions

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Showing 1 - 8 of 40

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Announcements

Last 7 days

Sentiment

Earnings Call/Transcript

5 days ago

HUDCO Q1 FY27 Earnings Call on Jul 28, 2026

Housing & Urban Development Corporation Ltd will hold its Q1 FY27 earnings conference call on 2026-07-28 at 11:00 to discuss unaudited results for the quarter ended 30 June 2026.

Earnings Call/Transcript

5 days ago

Housing & Urban Development Corporation Ltd Q1FY27 Earnings Call

Housing & Urban Development Corporation Ltd will hold an earnings conference call on 2026-07-28 at 11:00 IST to discuss unaudited Q1 FY27 results; dial-in and Diamond Pass registration details provided.

Regulatory/Compliance Filing

5 days ago

HUDCO: Newspaper Notice – Transfer to IEPF

Housing & Urban Development Corporation Ltd published a newspaper notice informing shareholders of transfer of equity shares to the Investor Education and Protection Fund (IEPF) in compliance with Regulation 30 (SEBI LODR).

Regulatory/Compliance Filing

5 days ago

HUDCO: Notice - Transfer of Shares to IEPF

Housing & Urban Development Corporation Ltd published a newspaper notice under Regulation 30 regarding transfer of certain equity shares to the Investor Education and Protection Fund (IEPF), dated 21 July 2026.

Board Meeting

6 days ago

HUDCO Board Meeting to Consider Q1 Results

Housing & Urban Development Corporation Ltd: Board meeting on 2026-07-27 to consider and approve unaudited standalone and consolidated results for quarter ended 30 Jun 2026 and possible 1st interim dividend; trading window closed until 2026-07-29.

Board Meeting

6 days ago

HUDCO Board Meeting to Consider Q1 FY27 Results

Housing & Urban Development Corporation Ltd: Board meeting on 2026-07-27 to consider and approve unaudited Q1 (30 Jun 2026) standalone & consolidated results and recommendation of 1st interim dividend; trading window closed till 2026-07-29.

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Frequently Asked Questions about Housing & Urban Development Corporation Ltd

Housing & Urban Development Corporation Ltd (HUDCO) is currently trading at 195.30 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Housing and Urban Development Corporation Limited (HUDCO) is a public sector undertaking focused on providing loan financing for housing and urban infrastructure projects across India. As a Navratna CPSE, HUDCO launched the Urban Invest Window to aid in developing bankable infrastructure projects, highlighting its commitment to boosting India's urban investment landscape. HUDCO has a strong financial performance with a 51% year-on-year growth in loan sanctions for 9M FY26, demonstrating its ability to scale operations and seize market opportunities. The company's unique positioning, supported by strategic relationships with state governments and a robust credit rating, places it at the forefront of India's infrastructure development sector. HUDCO continues to maintain top-tier asset quality with notably low non-performing assets, reflecting prudent financial management and risk mitigation practices.

Over the past 52 weeks, Housing & Urban Development Corporation Ltd has traded between a low of ₹158.95 and a high of ₹246.90. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Housing & Urban Development Corporation Ltd has a market capitalization of approximately 39,187.19. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Housing & Urban Development Corporation Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 9.71 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 39,187.19 Cr, Housing & Urban Development Corporation Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Housing & Urban Development Corporation Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Housing & Urban Development Corporation Ltd is 9.71. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

HUDCO said it will provide term loans up to ₹1,00,000 crore over the next five years for urban infrastructure and housing projects in Odisha.

Bihar signed an MoU with HUDCO to secure long-term financing of up to ₹100,000 crore for developing greenfield satellite townships across the state.

HUDCO reported Q1 FY27 loan sanctions of ₹65,485 crore (up 93% YoY) and loan disbursements of ₹16,377 crore (up 28% YoY).

The text cites MoUs providing for potential assistance of up to ₹1,00,000 crore (₹1 lakh crore) in Gujarat, Chhattisgarh and Madhya Pradesh.

Housing Urban Development Corporation Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Announcements

HUDCO Q1 FY27 Earnings Call on Jul 28, 2026

Housing & Urban Development Corporation Ltd Q1FY27 Earnings Call

HUDCO: Newspaper Notice – Transfer to IEPF

HUDCO: Notice - Transfer of Shares to IEPF

HUDCO Board Meeting to Consider Q1 Results

HUDCO Board Meeting to Consider Q1 FY27 Results

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Frequently Asked Questions about Housing & Urban Development Corporation Ltd

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What is the size and duration of HUDCO’s MoU with the Odisha government?

What did Bihar sign with HUDCO, and what is the financing size?

What were HUDCO’s loan sanctions and disbursements in Q1 FY27?

What is the maximum funding mentioned in HUDCO’s MoUs with states?

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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