HUDCO

NSE

BSE

SectorFinancial Services

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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.
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State government backing in HUDCO's Bihar MoU minimizes credit risk, with repayments secured by ring-fenced project revenues and sovereign guarantees.
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Record loan sanctions of ₹1.65 Lakh Cr (29% YoY) and disbursements of ₹51,194 Cr (28% YoY) in FY26.
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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.

About the company

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.

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