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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Housing and Urban Development
Housing and Urban Development (HUDCO) investor relations material
Housing and Urban Development Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary6 Nov, 2026
Executive summary
H1 FY27 PAT rose 31.50% to ₹1,762.15 crore and operating revenue increased 26.01% to ₹7,757.59 crore.
Loan book grew 28.75% to ₹1,86,111 crore; H1 disbursements reached a record ₹35,371.54 crore and sanctions ₹1,04,592 crore.
Asset quality remained strong: gross NPA was 0.71%, net NPA 0.044%, and provision coverage 93.76%.
Financial highlights
Q2 FY27 revenue from operations was ₹4,040.42 crore and PAT ₹911.04 crore; H1 revenue was ₹7,757.59 crore and PAT ₹1,762.15 crore.
H1 PBT was ₹2,188.66 crore versus ₹1,811.94 crore; finance cost rose to ₹5,420.29 crore from ₹4,125.31 crore.
H1 sanctions were ₹1,04,592 crore, up 12.48% YoY; loan outstanding was ₹1,86,111 crore, up 28.75%.
H1 recoveries were ₹32 crore and resolved assets ~₹359 crore; FY26 recoveries were ~₹403 crore and resolutions ~₹660 crore.
Outlook and guidance
FY27 loan-book target is ~₹2 lakh crore, with a longer-term ₹3 lakh crore target by 2030; management prioritizes growth that preserves financial ratios.
FY27 internal disbursement target is ₹65,000 crore; more than ₹35,000 crore was completed in H1, with the remaining ₹30,000 crore dependent on project progress.
Management targets ~2% spreads, at least 3% NIM and 2%–2.2% ROA; provision reversals and negative credit costs may continue for one to two years.
Lower-cost ECB funding and the 15 bps MCLR increase are expected to benefit Q3; tax-rate guidance is ~21%.
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Latest events from Housing and Urban Development
- Earnings and lending advanced, but NPAs rose and audit qualifications clouded reported profit.HUDCO
Q4 13/14 - PAT reached Rs 325.70 crore as lending expanded and resource mobilization hit a record.HUDCOQ4 03/04
- Profit and lending grew, while deferred taxes materially reduced FY05 earnings.HUDCOQ4 04/05
- Rs. 10,099 crore sanctioned as NPAs declined, amid lower profit and funding risks.HUDCOQ4 05/06
- Rs. 12,162 crore in sanctions supported growth as NPAs and funding costs pressured performance.HUDCOQ4 06/07
- FY08 profit reached Rs 3,737,319 thousand amid significant audit qualifications.HUDCOQ4 07/08
- Record FY10 profit and rising loan sanctions, offset by sizeable provisions and credit risks.HUDCOQ4 09/10
- Record FY12 profit and lending growth amid higher funding costs and provisioning risks.HUDCOQ4 11/12
- Record FY13 profit and sanctions, alongside lower NPAs and qualified accounts.HUDCOQ4 12/13
Next Housing and Urban Development earnings date
Q3 26/273 Feb, 2027
Housing and Urban Development
Next Housing and Urban Development earnings date
Q3 26/273 Feb, 2027
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