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Housing and Urban Development Corporation (HUDCO) investor relations material

Housing and Urban Development Corporation Q1 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q1 25/26 earnings summary12 Aug, 2025

Executive summary

  • Achieved strong growth in loan sanctions and disbursements, focusing on infrastructure and urban development, and supporting major government initiatives like PMAY 2.0 and Smart City.

  • Maintained robust asset quality, with net NPAs reduced to below 0.1% and no new NPAs in the last ten quarters.

  • Accorded Navratna status in April 2024, enhancing operational autonomy and government partnership.

  • Pan-India presence with 21 regional and 11 development offices, and a diverse professional workforce.

  • Consolidated and standalone unaudited financial results for Q1FY26 reviewed and approved with no material misstatements.

Financial highlights

  • Loan sanctions surged 143% year-over-year to ₹34,224 crore; disbursements hit a record ₹12,812 crore in Q1FY26.

  • Loan book increased by 29–30% year-over-year, reaching ₹1.34 lakh crore.

  • Q1FY26 net profit rose 13% year-over-year to ₹630.23 crore; operational income up 34% to ₹2,937.31 crore.

  • CRAR at 41.72%, indicating strong capitalization.

  • Earnings per share (basic and diluted) stood at ₹3.15, up from ₹2.79 year-over-year.

Outlook and guidance

  • Targeting over ₹50,000 crore in disbursements for FY26, with expectations to surpass previous guidance.

  • Loan book guidance likely to be revised upward, potentially exceeding ₹1.5 lakh crore before year-end.

  • Sufficient liquidity and undrawn credit lines available to meet operational requirements.

  • Expects continued strong growth in urban infrastructure and private sector funding.

  • No defaults in debt servicing; all obligations met on time.

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Q2 25/2614 Nov, 2025
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