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HUDCO
SectorFinancial Services
Housing and Urban Development Corporation Limited (HUDCO) is an Indian public sector company that provides loan financing for housing and urban infrastructure projects. Incorporated in 1970, HUDCO offers loans for various sectors including water supply, sewerage, drainage, solid waste management, roads, electricity, smart cities, and industrial infrastructure. The company also provides consultancy services in architectural design, urban planning, and environmental engineering. HUDCO operates retail financing under the brand HUDCO Niwas and has been involved in several government initiatives, including affordable housing projects and smart city developments. As of March 2019, the Indian government held 89.81% of HUDCO's shares through the Ministry of Housing and Urban Affairs and the Ministry of Rural Development.
In the news
HUDCO offers 3.6% dividend yield with 20% profit CAGR growth
HUDCO shares rise 2.06% on ₹25,000 cr Bihar MoU signing
HUDCO Q1 Results: Net profit surges 35% to ₹851 cr, targets zero NPAs
HUDCO Q1 loans sanctioned nearly double to ₹65,485 cr
HUDCO shares fall 8% after Q4 profit surge of 172% driven by tax gain
Auto sales surge 26% in April led by SUVs, 2-wheelers
HUDCO targets ₹3L cr loan book by 2030, eyes zero NPAs
IRFC Q4 profit rises marginally to ₹1,684 cr, FY26 PAT hits record ₹7,009 cr
HUDCO signs ₹1 lakh crore MoU with Chhattisgarh
The Quarter story
The two most recent quarterly results, compared side-by-side.
HUDCO expands its loan book and revenue while managing higher borrowings and volatile profits.
Consolidated loan portfolio grows from ₹1,34,410 Cr to ₹1,73,123 Cr from Q1 FY26 to Q1 FY27, driving scale.
Total borrowings climb from ₹1,16,429 Cr to ₹1,53,176 Cr from Q1 FY26 to Q1 FY27, increasing leverage to fund expansion.
Urban infrastructure loans expand from ₹87,253 Cr to ₹1,29,333 Cr over five quarters, accelerating lending.
Private sector loans fall from ₹1,894 Cr to ₹1,757 Cr over five quarters, signaling a pullback in private lending.
Revenue from operations rises from ₹2,937 Cr to ₹3,717 Cr from Q1 FY26 to Q1 FY27, fueling steady growth.
Net profit after tax normalizes to ₹851 Cr in Q1 FY27 from a one-time spike of ₹1,981 Cr in Q4 FY26.
Provision coverage ratio improves from 93.49% to 95.06% over five quarters, boosting asset quality.
Affordable housing loans dip to ₹42,051 Cr in Q4 FY26 before recovering to ₹43,790 Cr in Q1 FY27, showing portfolio optimization.
Profit before tax recovers to ₹1,066 Cr in Q1 FY27 from ₹621 Cr in Q4 FY26, indicating operational recovery.
Market capitalization rebounds to ₹41,043 Cr in Q1 FY27 from a low of ₹31,946 Cr in Q4 FY26, reflecting ongoing volatility.
Company insights, generated from the most recent coverage.
HUDCO's ₹25,000 crore Bihar MoU can generate ₹400-500 crore annual interest income at full deployment, with 25-year repayment tenure ensuring long-term revenue stability.
State government backing in HUDCO's Bihar MoU minimizes credit risk, with repayments secured by ring-fenced project revenues and sovereign guarantees.
Record loan sanctions of ₹1.65 Lakh Cr (29% YoY) and disbursements of ₹51,194 Cr (28% YoY) in FY26.