"Dividend Declared, NPAs Targeted – Is HUDCO Building a Stronger Future?"

📊 Q2 FY26 Performance Highlights - Net Profit: ₹709.8 crore, up 3% YoY - Net Interest Income (NII): ₹1,050 crore, up 31.8% YoY - Total Income: ₹3,251 crore vs ₹2,526 crore YoY - Expenses: ₹2,296 crore vs ₹1,526 crore YoY 💰 Dividend & Loan Book - Dividend Declared: ₹10 per share (second interim for FY26) - Loan Book: ₹1,44,554 crore, up 30% YoY – highest ever - Disbursements: ₹25,838 crore – record half-yearly figure ⚠️ Investor Watchouts - Rising Expenses: Operating costs up 50% YoY – could impact margins - Mixed Profit Growth: Despite strong NII, profit growth was modest - Asset Quality Focus: HUDCO aims for net-zero NPAs in 15 months 🚀 Future Growth Drivers - Government Push for Urban Infrastructure: HUDCO benefits from Smart Cities, PMAY, and state housing schemes - Techno-Financing Edge: Focus on investment-grade projects and infrastructure lending - Strong Sanctions Pipeline: ₹92,985 crore sanctioned in H1 FY26, up 21.6% YoY