Financial Performance (Q1 FY27 vs Q1 FY26)

  • Revenue from operations: ₹3,717.17 crore (vs ₹2,937.31 crore in Q1 FY26)
  • Other income: ₹20.32 crore (vs ₹8.16 crore in Q1 FY26)
  • Total income: ₹3,737.49 crore (vs ₹2,945.47 crore in Q1 FY26)
  • Finance cost: ₹2,561.19 crore (vs ₹1,978.26 crore in Q1 FY26)
  • Other cost: ₹110.04 crore (vs ₹212.93 crore in Q1 FY26)
  • Impairment of financial instruments: ₹0.06 crore (vs reversal of ₹102.95 crore in Q1 FY26)
  • Profit before tax: ₹1,066.20 crore (vs ₹857.23 crore in Q1 FY26)
  • Tax expense: ₹215.09 crore (vs ₹227.00 crore in Q1 FY26)
  • Net profit after tax: ₹851.11 crore (vs ₹630.23 crore in Q1 FY26)

Loan Portfolio (as of 30th June, 2026)

  • Total loan portfolio: ₹1,73,122.87 crore
  • Urban Infrastructure: ₹1,29,332.88 crore
  • Affordable Housing: ₹43,789.99 crore
  • Government exposure: ₹1,71,365.41 crore (98.98% of portfolio)
  • Private exposure: ₹1,757.46 crore

Key Financial Metrics (Q1 FY27)

  • Yield on loan: 8.78%
  • Cost of funds: 6.95%
  • Interest spread: 1.83%
  • Net interest margin: 2.72%
  • Gross NPA: 0.053%
  • Provision coverage ratio: 94.90%
  • Return on assets (annualized): Not quantified
  • Return on equity (annualized): Not quantified
  • Net worth: Not disclosed
  • Book value per share: ₹114.23
  • Earnings per share (annualized): ₹17.01

Borrowings Profile (as of 30th June, 2026)

  • Total borrowings: ₹1,16,429.41 crore
  • Government of India fully serviced bonds: ₹20,000.00 crore
  • Tax free bonds: ₹12,372.38 crore
  • Taxable bonds: ₹26,650.70 crore
  • Bank loans (short term): ₹11,992.11 crore
  • Bank loans (mid term): ₹21,188.98 crore
  • FCNR(B) loans: ₹13,895.14 crore
  • ECB/ODA loans: ₹10,037.77 crore
  • Refinance assistance from NHB/other FI: ₹292.33 crore

Operational Highlights

  • Employee strength: 622 professionals as of June 2026
  • 20 Regional Offices and 11 Development Offices across India
  • 27% of professionals recruited in last two years across finance, engineering, architecture, economics, HR, IT, legal, and town planning disciplines

ESG Initiatives

  • Total green portfolio: ₹20,783.67 crore
  • Water supply, treatment plants & pipelines: ₹16,507.94 crore
  • Solar, wind & hydro projects: ₹2,390.00 crore
  • Solid waste management: ₹962.20 crore
  • Sewerage collection & drainage: ₹557.39 crore
  • EV charging infrastructure: ₹363.32 crore
  • Storm water drainage: ₹2.82 crore
  • Affordable housing lending: ₹42,445 crore
  • CSR expenditure (Q1): ₹10.03 crore
  • 25 Sports Excellence Centers supported
  • 301 MSEs benefitted, including 40 women-owned and 34 SC/ST MSEs
  • ESG ratings: Sustainalytics (18.2 - Low Risk), Crisil (58 - Adequate)

Strategic Initiatives

  • Launched PPP Project Finance Division to support private sector in bankable infrastructure projects
  • Expanded bridge loan facilities to bridge gaps in Central/State assistance for flagship schemes
  • Multiple MoUs signed including ₹1 lakh crore for Viksit Gujarat Vision and ₹1 lakh crore for urban infrastructure projects
  • Focus areas: Olympics infrastructure, high-speed rail, Dholera Special Investment Region, ports and logistics, metro projects, renewable energy, textile parks, and tourism infrastructure

Shareholding Pattern

  • Government of India: 75.00%
  • Life Insurance Corporation of India: 7.26%
  • HSBC Mutual Fund - HSBC Value Fund: 0.81%
  • ICICI Prudential Life Insurance Company Limited: 0.77%
  • Other institutional holders: 2.28%

Market Data (as of presentation date)

  • Market capitalization: ₹41,043 crore
  • Stock price: ₹198.50 (+1.51%)
  • P/E ratio: 9.88
  • 52-week high: ₹246.85
  • 52-week low: ₹159.00