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Housing and Urban Development Corporation (HUDCO) investor relations material
Housing and Urban Development Corporation Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary12 Nov, 2025
Executive summary
Achieved record six-month sanctions of INR 92,985 crore in H1 FY26, a 22% year-over-year increase from INR 76,000 crore.
Disbursements grew 19% year-over-year to INR 26,000 crore in H1 FY26, with the highest ever half-yearly disbursement at ₹25,838 crore.
Loan book expanded by 15.8% in H1 FY26, reaching INR 1.44 lakh crore, nearing the revised FY26 target of INR 1.5 lakh crore.
Over five decades of expertise as a techno-financial institution, supporting housing and infrastructure projects nationwide.
Listed entity with 75% government ownership, recognized as a Navratna CPSE and NBFC-IFC.
Financial highlights
Net profit for H1 FY26 rose 7.5% year-over-year to ₹1,340.06 crore.
Revenue from operations rose 31% year-over-year to INR 6,100 crore in H1 FY26; total income reached ₹6,196.49 crore.
Weighted average cost of funds declined from 7.45% to 7.12%, with new borrowings at 6.32%.
Dividend payout ratio at 41.5% for FY25, with interim dividend of ₹2.15/share up to H1FY26 and a second interim dividend of ₹1 per share for FY26.
Market capitalization grew fivefold since Mar'23, reaching ₹46,720 crore with a P/E ratio of 16.8.
Outlook and guidance
Loan book growth guidance maintained at 25%-30% annually, targeting INR 1.6 lakh crore by March 2026 and INR 3 lakh crore by FY30.
Positioned to benefit from India's infrastructure capex surge, projected to grow 1.6x over FY26-30.
NIM expected to improve to above 3.1% in H2 FY26, aided by lower cost of funds and anticipated repo rate cuts.
Strategic focus on supporting government initiatives like PMAY 2.0, Smart Cities, and AMRUT.
Expanding into private sector project finance and urban infrastructure through new dedicated divisions.
Timeline for ID compliance resolution?
AGP account recovery timeline and risk?
Plan to improve CRAR after recent drop?
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Next Housing and Urban Development Corporation earnings date
Q3 20266 Feb, 2026
Next Housing and Urban Development Corporation earnings date
Q3 20266 Feb, 2026
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