Minerva Capital Research Solutions

Housing & Urban Development Corporation Ltd

NSE: HUDCOBSE: 540530
Compare with peers
₹ 146.80▲ 3.47 (+2.42%)28 Oct, 03:29 pm IST
P/E
6.9x
52-week range
141.81 – 246.85
ROE
20%
Sector
Finance
Industry
Financial Institution
Listed on
NSE, BSE

About

Housing and Urban Development Corporation Limited is an India-based techno-financing company, which is primarily engaged in the business of financing for housing and urban development activities. It provides loans/finance for housing/ infrastructure projects and all other activities. The housing finance loans are classified into social housing, residential real estate, and HUDCO Niwas. Its HUDCO Niwas offers loans for the construction of houses and purchase of houses, flats, and plots. Its infrastructure facilities include projects in the sectors of water supply, sewerage, drainage, solid waste management, roads, electricity, smart cities, industrial infrastructure, and others in the urban areas. The Company provides consultancy services in the areas of architectural design and development, urban and regional planning, appraisal scrutiny and monitoring of government projects, and environmental engineering projects pertaining to the housing and urban development sector.

Quick check

The five things to look at first. Open one for more.

Compared with its industry

Financial Institution: 9 companies →

Housing & Urban Development Corporation Ltd against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.

  • Valuation (P/E)6.9 against a typical 13.8: cheaper than most peers (1st = cheapest).3rd of 8
  • Sales growth+26.6% against a typical +14% from a year earlier.2nd of 7
  • Profit growth+35.1% against a typical +0.9% from a year earlier.2nd of 7
  • Share price, 3 months−24.8% against a typical −19.9%.7th of 8

Credit ratings

Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates

Highest safety

Rated AAA by Acuite
AAA
DefaultRiskyModerateSafeVery safe
  • No warnings from the agency.
AgencyCurrent ratingOutlookAs of
CAREWithdrawnStable29 May 2026
India RatingsWithdrawnStable16 Apr 2026
AcuiteACUITE AAAStable6 Feb 2026
Credit rating actions
RatingDetails
29 May 2026
Withdrawn
was CARE AAA—CARE₹ 3,00,600.81 Cr.
16 Apr 2026
Withdrawn
was IND AAA—India Ratings₹ 2,75,546.99 Cr.
6 Feb 2026
New rating
ACUITE AAA—Acuite₹ 4,500 Cr.
14 Jan 2026
Reaffirmed
CARE AAA—CARE₹ 2,61,212.98 Cr.
8 Dec 2025
Withdrawn
was CARE AAA—CARE₹ 2,59,307.98 Cr.

Board meetings

Results dates and other board meetings. Full calendar

Details
4 Nov 2026UpcomingFinancial Results/DividendTo consider and approve the financial results for the period ended September 30, 2026 and dividend
27 Jul 2026Financial Results/DividendTo consider and approve the financial results for the period ended Jun 30, 2026 and 1st interim dividend for FY 2026-27
14 May 2026Financial Results/DividendTo consider and approve the financial results for the period ended March 31, 2026 and final dividend, if any
23 Mar 2026Dividend/Fund RaisingTo consider dividend and Fund Raising- Consider declaration of 4th Interim Dividend for FY 2025-26 and consider & approve Annual Borrowing plan for FY 2026-27
13 Feb 2026Fund RaisingTo consider Fund Raising regarding issue of Non-Convertible Debt Securities
29 Jan 2026Financial Results/Dividend/Fund RaisingTo consider and approve the financial results for the period ended December 31, 2025, dividend and Fund Raising
12 Dec 2025Fund RaisingTo consider Fund Raising to approve issue/ allotment of Unsecured, Taxable, Redeemable, Non-Convertible, Non-Cumulative NCDs by Bond Allotment Committee

Share price

1Y change −35.33%
Volume (shares)Price (₹)
Close price

Financials

Consolidated figures in ₹ crore.

Quarterly results
₹ Cr.Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,8652,0132,0652,1882,5182,7602,8452,9373,2193,4313,5633,717
Interest1,2171,3131,2401,4641,6621,7621,8591,9762,1472,3942,4132,561
Expenses5512847−13873−28109147320587109
Financing Profit5936888176789949241,0148529267175631,048
Financing Margin %32%34%40%31%39%33%36%29%29%21%16%28%
Other Income1610129981010832746220
Depreciation222233433342
Profit before tax6066969436851,0009321,0208579557886211,066
Tax %26%25%26%19%31%21%29%26%26%10%−219%20%
Net Profit4525197005586897357286307107131,981851
EPS in Rs2.262.593.52.793.443.673.643.153.553.569.94.25

Growth and returns

Compounded yearly rates over each period.

Compounded Sales Growth
10 Years
15%
5 Years
13%
3 Years
23%
TTM
26%
Compounded Profit Growth
10 Years
18%
5 Years
20%
3 Years
33%
TTM
53%
Stock Price CAGR
10 Years
—
5 Years
35%
3 Years
36%
TTM
—
Return on Equity
10 Years
14%
5 Years
15%
3 Years
17%
TTM
—

Shareholding

Latest: Jun 2026.

Promoters
75%
0 pts in a year
FIIs
2.4%
+0.44 pts in a year
DIIs
10.09%
−0.17 pts in a year
Public
12.49%
−0.29 pts in a year

P/E and EPS over time

Daily P/E and trailing 12-month EPS. EPS updates with each result.

P/E 6.9xEPS (12 months) ₹ 21.26Median P/E 8.5x
P/E (times)EPS (₹)

Peers

Listed companies in the same business.

Peer comparison
Housing & Urban Development Corporation Ltd₹ 146.80—6.9x—20%—
Bajaj Finance₹ 927.00₹ 5,77,146 Cr.24.5x5.6x0%0%
Shriram Finance₹ 867.00₹ 2,04,004 Cr.13.8x2.9x0%0%
Tata Capital₹ 307.05₹ 1,30,358 Cr.30.6x3.3x0%0%
Jio Financial Services₹ 205.00₹ 1,35,364 Cr.90x1.1x0%0%
Power Finance Corporation₹ 316.00₹ 1,04,283 Cr.4.7x0.9x0%0%

Management

Sanjay Kulshrestha
Chairman of the Board, Managing Director
Daljeet Singh Khatri
Chief Financial Officer, Director (Finance), Executive Director
Vikas Goyal
Compliance Officer and Company Secretary
Muniappa Nagaraj
Director - (Corporate Planning)
Shailesh Prakash Tripathi
Senior Executive Director

Prices are delayed and for information only. Nothing on this page is investment advice.