Housing & Urban Development Corporation Ltd
Housing & Urban Development Corporation Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
HUDCO targets strong loan book growth with a CAGR of 15%-16% by 2030, aiming for INR 300,000 crores. HUDCO expects robust loan book growth, targeting around INR 150,000 crores for FY26 and INR 300,000 crores by 2030, with an average CAGR of 15%-16%, potentially up to 20% in the next 3-4 years.
From Housing & Urban Development Corporation Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- HUDCO targets strong loan book growth with a CAGR of 15%-16% by 2030, aiming for INR 300,000 crores.
- Short-term growth projection is higher, with 30%-40% CAGR expected over the next 1-2 years.
- Loan book expected to grow to around INR 1.5 lakh crores by FY 26 from current levels.
- Growth is expected to be sustained primarily through urban infrastructure (60%) and affordable housing (40%).
- Robust pipeline with committed liabilities exceeding INR 1.2 lakh crores supports continued growth.
- Focus on multi-sector, multi-state lending, backed by government initiatives like PMAY 2.0 and infrastructure development plans.
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Profitability & Margins
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Capital Expenditure Plans
- HUDCO has signed an MoU for a major port development project near JNPT, valued around INR 25,000 crores, to be executed progressively over a couple of years.
- The company is focusing on growth in urban infrastructure and affordable housing, including the upcoming Pradhan Mantri Awas Yojana 2.0 starting next year.
- HUDCO plans significant capital expenditure projects in urban infrastructure segments like roads, urban mobility, water supply, sewage, metro, and energy.
- Loan book growth is targeted at INR 1.5 lakh crores by next fiscal and INR 300,000 crores by 2030, with a CAGR of 15%-16%.
- HUDCO is enhancing multi-sector financing including rural infrastructure and private sector funding as part of strategic expansion.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
- HUDCO's current committed liabilities (order book) stand at more than INR 1.2 lakh crores.
- The order book is continually growing as the company maintains a robust pipeline of projects.
- Sanctions have increased significantly from INR 18,000 crores to INR 92,000 crores on a quarterly basis.
- The company has been witnessing a continual growth trajectory in disbursements and loan book size.
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What H U D C O's management said in earlier quarters
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Frequently Asked Questions
What were Housing & Urban Development Corporation Ltd Q3 FY25 results?
HUDCO targets strong loan book growth with a CAGR of 15%-16% by 2030, aiming for INR 300,000 crores. HUDCO expects robust loan book growth, targeting around INR 150,000 crores for FY26 and INR 300,000 crores by 2030, with an average CAGR of 15%-16%, potentially up to 20% in the next 3-4 years.
What is Housing & Urban Development Corporation Ltd share price analysis?
Housing & Urban Development Corporation Ltd currently shows a neutral. The stock trades at a P/E of 9.5 with a market cap of ₹40,607 Cr. Investors should review the full earnings analysis for detailed insights.
Is Housing & Urban Development Corporation Ltd planning capital expenditure?
HUDCO has signed an MoU for a major port development project near JNPT, valued around INR 25,000 crores, to be executed progressively over a couple of years.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.