HUDCO operates as a public financial institution and primarily finances social housing and urban infrastructure projects. It also provides consultancy services for major projects and government programs. The company's 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. It provides social infrastructure components, such as primary schools, working women hostels, health centers, playgrounds, police stations, courts, jails, and crematoriums.
HUDCO's services include social housing, residential real estate, and retail finance through the HUDCO Niwas scheme. It also offers housing and commercial real estate projects, including land acquisition to the middle-income group and high-income group of society. The company's status as a Non-Banking Financial Company – Infrastructure Finance Company has broadened its financing capabilities, allowing HUDCO to diversify its financial support to infrastructure and affordable housing projects across various sectors. This expansion aligns with its goal to contribute effectively to the nation's development and infrastructure growth.
In Q4 FY25, HUDCO posted a net profit of ₹727.74 crore, which is a 4% increase compared to the same quarter last year. Revenue from operations saw a strong 37.8% year-on-year rise, reaching ₹2,844.99 crore during the March 2025 quarter. HUDCO's core income, known as Net Interest Income (NII), rose by 26% to ₹962 crore from ₹761 crore a year ago.
The state-owned financial institution's interest income rose to Rs 2,820.88 crore in Q4FY25 from Rs 2,001.6 crore in the same period a year ago. Loan disbursements grew by 122.59 per cent year-on-year to Rs 40,038 crore. Outstanding loans increased by 34.72 per cent year-on-year to Rs 1.24 trillion at the end of March 2025.
HUDCO's full-year PAT rose 28% to Rs.2,709 crore, with revenue growing 32% to Rs.10,311 crore. For the financial year ended March 2025, its net profit rose to Rs 2,709.14 crore from Rs 2,116.74 crore in FY24. HUDCO reported a 35% increase in Assets Under Management (AUM), beating its own growth target of over 30%. Its Net Interest Margin (NIM), a measure of lending profitability, came in at 3.22%, slightly above the expected 3.2%.
Today's market capitalisation of HUDCO is ₹45,473.16 Cr as of July 2025. The Honourable President of India is technically the company's promoter, through the Secretary of the Ministry of Housing and Urban Development Corporation of India. Promoter holding stands at 75.0%.
• **Revenue**: ₹2,854.91 Cr (Q4 FY25)
• **Net Profit**: ₹727.74 Cr (Q4 FY25)
• **Annual Revenue**: ₹10,311 Cr (FY25)
• **Annual Net Profit**: ₹2,709 Cr (FY25)
• **Outstanding Loans**: ₹1.24 trillion (March 2025)
• **Net Interest Margin**: 3.22% (Q4 FY25)
The company's board has recommended a final dividend of ₹1.05 per equity share of face value ₹10 for the year 2024–25. This dividend proposal will be confirmed during the upcoming Annual General Meeting (AGM). The final dividend is in addition to the first interim dividend of Rs 2.05 per share and second interim dividend of Rs 1.05 per share already declared and paid for FY25.
HUDCO achieved record loan sanctions and disbursements in FY25, with significant growth in interest income and improved asset quality. The board approved a final dividend of ₹1.05 per share, enhancing shareholder returns. HUDCO has accepted bids for ₹750 crore in 3-year bonds at a 6.52% coupon rate, marking the lowest interest rate since March 2022.
HUDCO, a navaratna central public sector enterprise, has come forward to lend Rs 11,000 crore for the construction of Amaravati greenfield capital city in Andhra Pradesh. HUDCO CEO agreed to lend Rs 11,000 crore to Andhra Pradesh Capital Region Development Authority (AP CRDA) for Amaravati construction. Out of the Rs 26,000 crore needed for constructing Amaravati Phase-1, the World Bank and Asian Development Bank (ADB) came forward to lend Rs 15,000 crore and the fresh promise of Rs 11,000 crore loan by HUDCO will ensure that the required amount of Rs 26,000 crore has been taken care of.
HUDCO plans to strengthen its lending portfolio with a continued focus on affordable housing, state infrastructure development, and sustainable urban planning. The company aims to leverage favourable policy momentum and rising infrastructure spend to drive growth in FY26. The infrastructure finance segment is witnessing a renewed push from public sector undertakings, with increasing government emphasis on housing and urban projects.
HUDCO, being a Government Company under aegis of MoHUA with lowest levels of NPA and Debt-Equity and comfortable CRAR is envisaged to play a vital role in creating assets for the nation and supplement efforts of Government of India for creation of sustainable and resilient Infrastructure, in line with Viksit Bharat 2047.
The company's strong financial performance, government backing, and strategic positioning in India's infrastructure development make it a significant player in the housing finance sector, with robust growth prospects aligned with the nation's urbanization and infrastructure development goals.
