3 Housing Developer, Fertilisers Maker and Gold Jewellery Retailer Stocks With a Strong Future Roadmap: Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold
- November 13, 2026
- Posted by: Chaitanya Auti
- Category: Best Stocks
Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold: ROE of 13.6% to 22.9% and FY22 to FY26 revenue CAGR of 6.7% to 50.2%. Prices as of 12 Nov 2026.
Quick Answer
The three housing, fertiliser and gold jewellery stocks to watch are Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Their return on equity ranges from 13.6% to 22.9%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.7% to 50.2%. Senco Gold has the highest return on equity at 22.9%, while Ashiana Housing has the fastest revenue growth at 50.2% a year. Prices are based on the 12 November 2026 close, and this article is educational, not investment advice.
Housing, fertiliser and gold jewellery stocks bring together companies with a visible plan for the years ahead. Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold cover a housing developer, a fertilisers maker and a gold jewellery retailer.
This list covers three housing, fertiliser and gold jewellery stocks with complete current figures: Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Every figure comes from the latest reported financials and the 12 November 2026 market close. Companies without complete current figures were left out.
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What Are Housing, Fertiliser and Gold Jewellery Stocks?
Housing, fertiliser and gold jewellery stocks are listed companies that build and sell apartments and residential projects, make urea and other fertilisers for farmers, and sell gold and diamond jewellery through a growing store network. Their earnings depend on home sales, farm demand and festive jewellery demand.
Housing, Fertiliser and Gold Jewellery Stocks at a Glance
| Company | CMP (Rs) | Market Cap (Rs Cr) | P/E | Industry P/E | ROE (%) | D/E |
|---|---|---|---|---|---|---|
| Ashiana Housing | 358.6 | 3,586 | 30.3 | 30.7 | 13.6 | 0.35 |
| Chambal Fertilisers and Chemicals | 386.55 | 15,339 | 8.0 | 21.2 | 18.8 | 0.10 |
| Senco Gold | 339.15 | 5,063 | 8.9 | 44.3 | 22.9 | 1.07 |
On valuation, all three trade at a P/E below their industry P/E, which means the market is pricing them at a lower multiple than their peer group. Readers comparing housing, fertiliser and gold jewellery stocks should look at return on equity and debt together, since a high return earned with low debt is easier to sustain.
Why Do Housing, Fertiliser and Gold Jewellery Stocks Have a Strong Roadmap in India?
Housing, fertiliser and gold jewellery stocks have a strong roadmap in India because strong demand for new homes, steady fertiliser use on farms and growing preference for branded jewellery keep widening the market for these companies.
- Housing. Families buy more new homes.
- Fertilisers. Farms need steady nutrients.
- Gold jewellery. Households prefer trusted jewellers.
Why Ashiana Housing Features Among These Housing, Fertiliser and Gold Jewellery Stocks
Among the housing, fertiliser and gold jewellery stocks on this list, Ashiana Housing develops mid-income residential projects and senior living communities in cities such as the Delhi region, Jaipur and Chennai. It is known for its focus on construction quality and timely delivery.
Revenue rose from Rs 234 crore in FY22 to Rs 1,187 crore in FY26, a compound annual growth rate of 50.2%. Net profit grew from Rs 27.9 crore in FY23 to Rs 118 crore in FY26, which works out to a compound annual growth rate of 61.7%.
The company has a return on equity of 13.6%, a debt to equity ratio of 0.35 and a market capitalisation of Rs 3,586 crore. The stock trades at a P/E of 30.3, below the industry P/E of 30.7.
Roadmap: The company is launching new phases in established markets and growing its senior living portfolio. A reputation for delivery supports sales in its projects.
What to watch: Track sales bookings, project launches and deliveries.
Why Chambal Fertilisers and Chemicals Features Among These Housing, Fertiliser and Gold Jewellery Stocks
Among the apartment developer, urea maker and jewellery chain shares on this list, Chambal Fertilisers and Chemicals makes urea at its plants in Rajasthan and trades in other fertilisers, crop protection chemicals and agri inputs.
Revenue rose from Rs 16,137 crore in FY22 to Rs 20,921 crore in FY26, a compound annual growth rate of 6.7%. Net profit grew from Rs 1,566 crore in FY22 to Rs 1,953 crore in FY26, which works out to a compound annual growth rate of 5.7%.
The company has a return on equity of 18.8%, a debt to equity ratio of 0.10 and a market capitalisation of Rs 15,339 crore. The stock trades at a P/E of 8.0, below the industry P/E of 21.2.
Roadmap: The company has a strong urea franchise with large volumes and a wide dealer network. It is widening into crop protection and specialty agri inputs, which adds higher-margin revenue to the base fertiliser business.
What to watch: Track fertiliser subsidy policy updates and the monsoon, which both influence volumes and working capital.
Why Senco Gold Features Among These Housing, Fertiliser and Gold Jewellery Stocks
Among the three companies on this list, Senco Gold & Diamonds is a Kolkata-based jewellery retailer with a large network of owned and franchise showrooms, selling gold, diamond and silver jewellery across many states.
The company has a return on equity of 22.9%, a debt to equity ratio of 1.07 and a market capitalisation of Rs 5,063 crore. The stock trades at a P/E of 8.9, below the industry P/E of 44.3.
Revenue rose from Rs 3,547 crore in FY22 to Rs 8,510 crore in FY26, a compound annual growth rate of 24.5%. Net profit grew from Rs 129 crore in FY22 to Rs 574 crore in FY26, which works out to a compound annual growth rate of 45.2%.
Roadmap: The company is expanding in southern and western India and growing its studded and lightweight jewellery ranges. Its long heritage in eastern India gives it a loyal customer base.
What to watch: Track showroom additions, studded jewellery share and gold price trends.
Ashiana Housing vs Chambal Fertilisers and Chemicals vs Senco Gold on Key Financials
The table below sets the three housing, fertiliser and gold jewellery stocks side by side on revenue, profit and margin, using reported figures.
| Company | FY22 Revenue (Rs Cr) | FY26 Revenue (Rs Cr) | Revenue CAGR (FY22-FY26) | FY26 Net Profit (Rs Cr) | FY26 Net Margin |
|---|---|---|---|---|---|
| Ashiana Housing | 234 | 1,187 | 50.2% | 118 | 9.9% |
| Chambal Fertilisers and Chemicals | 16,137 | 20,921 | 6.7% | 1,953 | 9.3% |
| Senco Gold | 3,547 | 8,510 | 24.5% | 574 | 6.7% |
Senco Gold posts the highest return on equity in this group at 22.9%. Chambal Fertilisers and Chemicals has the largest FY26 revenue at Rs 20,921 crore, and Ashiana Housing shows the fastest revenue growth with a 50.2% compound annual rate.
Key Risks to Check Before Investing in Housing, Fertiliser and Gold Jewellery Stocks
Every theme carries risks that deserve a check before any decision. For these housing, fertiliser and gold jewellery stocks, the main points are:
- Housing cycles. Real estate and building demand can vary with rates and sentiment.
- Government spending. Public project funding can shift between periods.
- Commodity prices. Selling prices follow global and domestic markets.
Treat this list as a starting point for research and not as a recommendation. Read the latest results presentation, check the management commentary on order books or capacity plans, and compare each company with its peers before you decide anything.
Use the Univest Stock Screener to filter housing, fertiliser and gold jewellery stocks by market capitalisation, P/E, ROE and growth, and build your own shortlist.
Final Thoughts on Housing, Fertiliser and Gold Jewellery Stocks
Housing, fertiliser and gold jewellery stocks suit investors who prefer to study business strength before price moves. Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold each have a clear plan to grow. Based on the 12 November 2026 close, Ashiana Housing trades at Rs 358.6, Chambal Fertilisers and Chemicals at Rs 386.55 and Senco Gold at Rs 339.15.
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Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
What are housing, fertiliser and gold jewellery stocks?
Ans. Housing, fertiliser and gold jewellery stocks are listed companies that build and sell apartments and residential projects, make urea and other fertilisers for farmers, and sell gold and diamond jewellery through a growing store network. Their earnings depend on home sales, farm demand and festive jewellery demand. This list looks at three of them, Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold, using reported FY22 to FY26 financials and the 12 November 2026 closing prices.
Which housing, fertiliser and gold jewellery stocks are covered in this list?
Ans. This list covers Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Based on the 12 November 2026 close, Ashiana Housing traded at Rs 358.6, Chambal Fertilisers and Chemicals at Rs 386.55 and Senco Gold at Rs 339.15. Their return on equity ranges from 13.6% to 22.9%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.7% to 50.2%.
Why do housing, fertiliser and gold jewellery stocks have a strong future roadmap in India?
Ans. Housing, fertiliser and gold jewellery stocks have a strong roadmap in India because strong demand for new homes, steady fertiliser use on farms and growing preference for branded jewellery keep widening the market for these companies. The main drivers are as follows. Housing. Families buy more new homes. Fertilisers. Farms need steady nutrients. Gold jewellery. Households prefer trusted jewellers. Together these factors give the companies on this list a visible path for growth over the coming years.
How has Ashiana Housing performed financially?
Ans. Revenue rose from Rs 234 crore in FY22 to Rs 1,187 crore in FY26, a compound annual growth rate of 50.2%. Net profit grew from Rs 27.9 crore in FY23 to Rs 118 crore in FY26, which works out to a compound annual growth rate of 61.7%. The company has a return on equity of 13.6%, a debt to equity ratio of 0.35 and a market capitalisation of Rs 3,586 crore. The stock trades at a P/E of 30.3, below the industry P/E of 30.7. Looking ahead, the company is launching new phases in established markets and growing its senior living portfolio. A reputation for delivery supports sales in its projects.
How has Chambal Fertilisers and Chemicals performed financially?
Ans. Revenue rose from Rs 16,137 crore in FY22 to Rs 20,921 crore in FY26, a compound annual growth rate of 6.7%. Net profit grew from Rs 1,566 crore in FY22 to Rs 1,953 crore in FY26, which works out to a compound annual growth rate of 5.7%. The company has a return on equity of 18.8%, a debt to equity ratio of 0.10 and a market capitalisation of Rs 15,339 crore. The stock trades at a P/E of 8.0, below the industry P/E of 21.2. Looking ahead, the company has a strong urea franchise with large volumes and a wide dealer network. It is widening into crop protection and specialty agri inputs, which adds higher-margin revenue to the base fertiliser business.
How has Senco Gold performed financially?
Ans. Revenue rose from Rs 3,547 crore in FY22 to Rs 8,510 crore in FY26, a compound annual growth rate of 24.5%. Net profit grew from Rs 129 crore in FY22 to Rs 574 crore in FY26, which works out to a compound annual growth rate of 45.2%. The company has a return on equity of 22.9%, a debt to equity ratio of 1.07 and a market capitalisation of Rs 5,063 crore. The stock trades at a P/E of 8.9, below the industry P/E of 44.3. Looking ahead, the company is expanding in southern and western India and growing its studded and lightweight jewellery ranges. Its long heritage in eastern India gives it a loyal customer base.
What risks should investors check before buying housing, fertiliser and gold jewellery stocks?
Ans. Investors should check a few risks before buying housing, fertiliser and gold jewellery stocks. Housing cycles. Real estate and building demand can vary with rates and sentiment. Government spending. Public project funding can shift between periods. Commodity prices. Selling prices follow global and domestic markets. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.
Is this list of housing, fertiliser and gold jewellery stocks investment advice?
Ans. No. This article is educational and uses publicly available data as of the 12 November 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.