India · Delayed Price · Currency is INR Housing and Urban Development Corporation Earnings Call Transcripts
Fiscal Year 2026
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Loan book grew 25% year-over-year with net NPA at 0.06% and a one-time FCNR forex loss of INR 470 crore, which will not recur. Disbursements target INR 50,000 crore for FY 2026, and the debt-to-equity ratio is set to improve below 6x.
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Record sanctions and strong disbursement growth drove a 31% rise in operating revenue and improved asset quality, with net NPA at 0.07%. Loan book growth guidance remains at 25%-30% annually, and NIM is expected to exceed 3.1% in H2 FY26.
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Loan book grew 30% year-over-year to ₹1.34 lakh crore, with Q1 disbursements at a record ₹12,800 crore and net NPA below 0.1%. Revenue rose 34% and net profit 13% year-over-year, with guidance to exceed ₹1.5 lakh crore in loan book and strong asset quality maintained.
Fiscal Year 2025
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Loan sanctions surged to INR 1.27 lakh crores and disbursements doubled, with strong asset quality and a robust pipeline. NIM improved, cost of funds declined, and new funding avenues launched. Outlook remains positive with stable margins and continued focus on risk mitigation.
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Loan book grew 41% year-over-year to INR 1.18 lakh crores, with strong disbursement and asset quality. Guidance targets INR 1.5 lakh crores by FY26 and INR 3 lakh crores by 2030, with sustainable ROA and no capital infusion needed.