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Housing and Urban Development
Housing and Urban Development (HUDCO) investor relations material
Housing and Urban Development Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary4 Feb, 2026
Executive summary
Over five decades of expertise as a techno-financial institution, supporting housing and infrastructure projects nationwide, with a pan-India presence and 20 regional offices.
Listed Navratna CPSE with 75% government ownership, consistently profitable and focused on social justice.
Loan book growth maintained at approximately 25%-30.86% year-over-year, with continued diversification and addition of new borrowers.
Unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025 were approved, showing continued profitability and strong operational performance.
Strategic partner in major government initiatives like PMAY, Smart City, AMRUT, and Jal Jeevan Mission, with a focus on supporting government urban development and infrastructure financing.
Financial highlights
Net profit for 9MFY26 rose 3.62% year-over-year to ₹2,053.06 crore, with profit after considering forex loss around INR 2,500 crore for nine months.
Highest-ever 9-month loan disbursement at ₹41,347 crore, up 30.19% year-over-year.
Loan book reached a record ₹1,55,631 crore, up 30.86% year-over-year.
Net interest margin at 2.88% for nine months, expected to normalize to 3%-3.1% annually.
Dividend payout ratio at 41.5% for FY25, with interim dividend of ₹3.30 per share and a 3rd interim dividend of ₹1.15 per share for FY 2025-26.
Outlook and guidance
Disbursement target for FY 2026 is INR 50,000 crore, supporting a 25% loan book growth.
Infrastructure spending projected to surge 1.6x over the next five years, driven by government and private sector investments.
Positioned to play a vital role in India's $10 trillion economy vision by 2030 and Viksit Bharat by 2047.
Loan book target of INR 3 lakh crore by 2030, with profit projections exceeding INR 6,000 crore in the coming years.
PMAY 2.0 expected to pick up significantly in the next financial year.
Reason for Rs. 80,000 Cr borrowing plan increase
Update on Rs. 678.38 Cr AGP account recovery
What caused the CRAR decline to 38.28%?
How will FCNR exit impact future profitability?
Detail plans to reduce debt-to-equity below 6%
How does HUDCO maintain its niche amid competition?
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Next Housing and Urban Development earnings date
Q4 25/267 May, 2026
Housing and Urban Development
Next Housing and Urban Development earnings date
Q4 25/267 May, 2026
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