{"id":301573,"date":"2026-10-12T11:42:06","date_gmt":"2026-10-12T06:12:06","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=301573"},"modified":"2026-10-12T11:42:06","modified_gmt":"2026-10-12T06:12:06","slug":"housing-loan-and-urban-lending-stocks-roadmap-picks-2027","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/","title":{"rendered":"3 Housing Loan and Urban Lending Stocks With a Strong Future Roadmap: PNB Housing Finance, Capri Global Capital and HUDCO"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>PNB Housing Rs 1,158.00, P\/E 12.95. Capri Global Rs 241.82, P\/E 20.56. HUDCO Rs 159.75, P\/E 7.38. Closing prices of 9 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Housing loan and urban lending stocks with the clearest long-term roadmaps today include PNB Housing in pan-India home loan network, Capri Global in housing and business loans in smaller towns and HUDCO in housing and urban infrastructure loans. FY26 revenue growth was 10.6% at PNB Housing, 45.9% at Capri Global and 28.8% at HUDCO. P\/E stands at 12.95 for PNB Housing (industry 17.72), 20.56 for Capri Global (industry 17.72) and 7.38 for HUDCO (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Housing loan and urban lending stocks give investors exposure to home loans, small business loans and urban infrastructure financing. Disbursements, collections and funding costs decide how much of that demand turns into profit.<\/p>\n<p>This list covers three housing loan and urban lending stocks: PNB Housing Finance for pan-India home loan network, Capri Global Capital for housing and business loans in smaller towns and HUDCO for housing and urban infrastructure loans. Every figure comes from the latest reported financials and the 9 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=housing-loan-and-urban-lending-stocks-roadmap-picks-2027\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#What_Are_Housing_Loan_and_Urban_Lending_Stocks\" title=\"What Are Housing Loan and Urban Lending Stocks?\">What Are Housing Loan and Urban Lending Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Housing_Loan_and_Urban_Lending_Stocks_at_a_Glance\" title=\"Housing Loan and Urban Lending Stocks at a Glance\">Housing Loan and Urban Lending Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Why_Do_Housing_Loan_and_Urban_Lending_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Housing Loan and Urban Lending Stocks Have a Strong Roadmap in India?\">Why Do Housing Loan and Urban Lending Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\" title=\"PNB Housing Finance: Home Loan Growth Anchors the Roadmap\">PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Capri_Global_Capital_Housing_and_Business_Loans_Anchor_the_Roadmap\" title=\"Capri Global Capital: Housing and Business Loans Anchor the Roadmap\">Capri Global Capital: Housing and Business Loans Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#HUDCO_Urban_Infrastructure_Lending_Drives_the_Pipeline\" title=\"HUDCO: Urban Infrastructure Lending Drives the Pipeline\">HUDCO: Urban Infrastructure Lending Drives the Pipeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Best_Housing_Loan_and_Urban_Lending_Stocks_in_India_PNB_Housing_vs_Capri_Global_vs_HUDCO_on_Key_Financials\" title=\"Best Housing Loan and Urban Lending Stocks in India: PNB Housing vs Capri Global vs HUDCO on Key Financials\">Best Housing Loan and Urban Lending Stocks in India: PNB Housing vs Capri Global vs HUDCO on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#How_to_Evaluate_Housing_Loan_and_Urban_Lending_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Housing Loan and Urban Lending Stocks to Buy Before You Invest\">How to Evaluate Housing Loan and Urban Lending Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Risks_to_Consider_Before_Investing_in_Housing_Loan_and_Urban_Lending_Stocks\" title=\"Risks to Consider Before Investing in Housing Loan and Urban Lending Stocks\">Risks to Consider Before Investing in Housing Loan and Urban Lending Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#FAQs_on_Housing_Loan_and_Urban_Lending_Stocks\" title=\"FAQs on Housing Loan and Urban Lending Stocks\">FAQs on Housing Loan and Urban Lending Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Which_are_the_best_housing_loan_and_urban_lending_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best housing loan and urban lending stocks in India with a strong roadmap?\">Which are the best housing loan and urban lending stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Is_PNB_Housing_Finance_a_good_stock_to_buy_now\" title=\"Is PNB Housing Finance a good stock to buy now?\">Is PNB Housing Finance a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#What_is_the_PE_ratio_of_PNB_Housing_Capri_Global_and_HUDCO\" title=\"What is the P\/E ratio of PNB Housing, Capri Global and HUDCO?\">What is the P\/E ratio of PNB Housing, Capri Global and HUDCO?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Which_of_these_housing_loan_and_urban_lending_stocks_has_the_highest_return_on_equity\" title=\"Which of these housing loan and urban lending stocks has the highest return on equity?\">Which of these housing loan and urban lending stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#What_are_the_risks_of_investing_in_housing_loan_and_urban_lending_stocks\" title=\"What are the risks of investing in housing loan and urban lending stocks?\">What are the risks of investing in housing loan and urban lending stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#How_did_PNB_Housing_Capri_Global_and_HUDCO_perform_in_Q1_FY27\" title=\"How did PNB Housing, Capri Global and HUDCO perform in Q1 FY27?\">How did PNB Housing, Capri Global and HUDCO perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#Do_housing_loan_and_urban_lending_stocks_pay_dividends\" title=\"Do housing loan and urban lending stocks pay dividends?\">Do housing loan and urban lending stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/housing-loan-and-urban-lending-stocks-roadmap-picks-2027\/#How_can_I_invest_in_housing_loan_and_urban_lending_stocks_in_India\" title=\"How can I invest in housing loan and urban lending stocks in India?\">How can I invest in housing loan and urban lending stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Housing_Loan_and_Urban_Lending_Stocks\"><\/span><strong>What Are Housing Loan and Urban Lending Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing loan and urban lending stocks are shares of companies that lend for homes, small businesses and urban projects. Results depend on loan growth, collections and funding costs, so collections and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Housing_Loan_and_Urban_Lending_Stocks_at_a_Glance\"><\/span><strong>Housing Loan and Urban Lending Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three housing loan and urban lending stocks as of the 9 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,158.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,992<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/cgcl\/capri-global-capital-ltd-share-price-today\">Capri Global Capital<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">241.82<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">23,188<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.56<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.35<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/hudco\/housing-urban-development-corporation-ltd-share-price-today\">HUDCO<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">159.75<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,410<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.36%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.45<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among housing finance stocks, Capri Global trades at a premium to the industry P\/E, while PNB Housing and HUDCO trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Housing_Loan_and_Urban_Lending_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Housing Loan and Urban Lending Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing loan and urban lending stocks have a strong roadmap in India because cities need new housing and civic projects, home ownership is rising in smaller towns and public housing schemes keep loan demand steady. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Home ownership demand:<\/strong> Rising incomes widen the pool of first-time home buyers.<\/li>\n<li><strong>Urban infrastructure needs:<\/strong> Housing, transport and civic projects need long-term funding.<\/li>\n<li><strong>Smaller town lending:<\/strong> Housing and business loans reach borrowers outside the big cities.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\"><\/span><strong>PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB Housing&#8217;s roadmap rests on home loans, loan against property and affordable housing loans through a pan-India branch network, with housing credit demand supporting loan growth.<\/p>\n<p>Revenue grew from Rs 6,200.73 crore in FY22 to Rs 8,505.04 crore in FY26, a 37.2% rise, and FY26 revenue was 10.6% higher than FY25. FY26 net profit rose 18.3% to Rs 2,291.24 crore. Over four years, net profit rose from Rs 836.48 crore in FY22 to Rs 2,291.24 crore. In Q1 FY27, revenue grew 8.8% to Rs 2,265.36 crore, and net profit rose 4.5% to Rs 557.34 crore.<\/p>\n<p>Debt to equity is 3.70 and return on equity is 11.92%. PNB Housing paid a dividend of Rs 8 per share for FY26, a yield of 0.69%. At a P\/E of 12.95 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 12.95 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Capri_Global_Capital_Housing_and_Business_Loans_Anchor_the_Roadmap\"><\/span><strong>Capri Global Capital: Housing and Business Loans Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Capri Global&#8217;s roadmap rests on housing, business and gold loans to borrowers in smaller towns, with branch expansion supporting loan growth.<\/p>\n<p>Revenue grew from Rs 981.79 crore in FY22 to Rs 4,742.01 crore in FY26, a 383.0% rise, and FY26 revenue was 45.9% higher than FY25. FY26 net profit rose 98.3% to Rs 949.15 crore. Over four years, net profit rose from Rs 205.04 crore in FY22 to Rs 949.15 crore. In Q1 FY27, revenue grew 57.3% to Rs 1,581.21 crore, and net profit rose 102.0% to Rs 353.38 crore.<\/p>\n<p>Debt to equity is 3.35 and return on equity is 13.18%. Capri Global paid a dividend of Rs 0.2 per share for FY26, a yield of 0.08%. At a P\/E of 20.56 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 20.56 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"HUDCO_Urban_Infrastructure_Lending_Drives_the_Pipeline\"><\/span><strong>HUDCO: Urban Infrastructure Lending Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HUDCO&#8217;s roadmap rests on loans for housing, urban infrastructure and social projects, with government-backed urban programmes supporting loan demand.<\/p>\n<p>Revenue grew from Rs 6,997.66 crore in FY22 to Rs 13,327.13 crore in FY26, a 90.5% rise, and FY26 revenue was 28.8% higher than FY25. FY26 net profit rose 48.9% to Rs 4,034.37 crore. Over four years, net profit rose from Rs 1,716.41 crore in FY22 to Rs 4,034.37 crore. In Q1 FY27, revenue grew 26.9% to Rs 3,737.49 crore, and net profit rose 35.0% to Rs 851.11 crore.<\/p>\n<p>Debt to equity is 6.45 and return on equity is 18.36%. HUDCO paid a dividend of Rs 6.05 per share for FY26, a yield of 3.86%. At a P\/E of 7.38 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 7.38 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Housing_Loan_and_Urban_Lending_Stocks_in_India_PNB_Housing_vs_Capri_Global_vs_HUDCO_on_Key_Financials\"><\/span><strong>Best Housing Loan and Urban Lending Stocks in India: PNB Housing vs Capri Global vs HUDCO on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best housing loan and urban lending stocks in India, PNB Housing ranks second on the lowest P\/E and the lowest debt to equity; Capri Global leads on FY26 revenue growth and Q1 FY27 revenue growth; HUDCO leads on return on equity and the lowest P\/E. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">PNB Housing<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Capri Global<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">HUDCO<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8,505.04<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,742.01<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13,327.13<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">45.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.8%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,291.24<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">949.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,034.37<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">98.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">48.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">57.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">26.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">102.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">35.0%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.36%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.56<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.38<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.35<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.45<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.69%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.08%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.86%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, collections and funding costs, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Housing_Loan_and_Urban_Lending_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Housing Loan and Urban Lending Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen housing loan and urban lending stocks and shortlist housing loan and urban lending stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check the mix of retail and project loans, because each carries different credit risk.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch debt to equity and interest cover before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these housing loan and urban lending stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Housing_Loan_and_Urban_Lending_Stocks\"><\/span><strong>Risks to Consider Before Investing in Housing Loan and Urban Lending Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Interest rate cycles:<\/strong> Changes in policy rates can move borrowing costs and lending spreads.<\/li>\n<li><strong>Large loan exposure:<\/strong> Stress in a single large project loan can reduce earnings and capital.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track PNB Housing, Capri Global and HUDCO live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three housing finance stocks cover a home loan lender, a small-town housing and business lender and an urban infrastructure financier. PNB Housing ranks second on the lowest P\/E and the lowest debt to equity; Capri Global leads on FY26 revenue growth and Q1 FY27 revenue growth; HUDCO leads on return on equity and the lowest P\/E.<\/p>\n<p>Across housing loan and urban lending stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the housing loan and urban lending stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> 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).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Housing_Loan_and_Urban_Lending_Stocks\"><\/span><strong>FAQs on Housing Loan and Urban Lending Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_housing_loan_and_urban_lending_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best housing loan and urban lending stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance, Capri Global Capital and HUDCO stand out for their roadmaps in a home loan lender, a small-town housing and business lender and an urban infrastructure financier. FY26 revenue growth was 10.6% at PNB Housing, 45.9% at Capri Global and 28.8% at HUDCO, and return on equity ranges from 11.92% to 18.36%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_PNB_Housing_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is PNB Housing Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance has a debt to equity ratio of 3.70, a return on equity of 11.92% and a P\/E of 12.95 against an industry P\/E of 17.72. Valuation, funding costs and loan quality move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_PNB_Housing_Capri_Global_and_HUDCO\"><\/span><strong>What is the P\/E ratio of PNB Housing, Capri Global and HUDCO?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 12.95 for PNB Housing (industry 17.72), 20.56 for Capri Global (industry 17.72) and 7.38 for HUDCO (industry 17.72). Only Capri Global trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_housing_loan_and_urban_lending_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these housing loan and urban lending stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> HUDCO has the highest return on equity at 18.36%, followed by Capri Global Capital at 13.18% and PNB Housing Finance at 11.92%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_housing_loan_and_urban_lending_stocks\"><\/span><strong>What are the risks of investing in housing loan and urban lending stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are interest rate cycles, large loan exposure and quarterly trends. Changes in policy rates can move borrowing costs and lending spreads.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_PNB_Housing_Capri_Global_and_HUDCO_perform_in_Q1_FY27\"><\/span><strong>How did PNB Housing, Capri Global and HUDCO perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PNB Housing Finance reported revenue of Rs 2,265.36 crore, up 8.8% year on year, and net profit rose 4.5% to Rs 557.34 crore. Capri Global Capital reported revenue of Rs 1,581.21 crore, up 57.3% year on year, and net profit rose 102.0% to Rs 353.38 crore. HUDCO reported revenue of Rs 3,737.49 crore, up 26.9% year on year, and net profit rose 35.0% to Rs 851.11 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_housing_loan_and_urban_lending_stocks_pay_dividends\"><\/span><strong>Do housing loan and urban lending stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 0.69% for PNB Housing, 0.08% for Capri Global and 3.86% for HUDCO, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_housing_loan_and_urban_lending_stocks_in_India\"><\/span><strong>How can I invest in housing loan and urban lending stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy housing loan and urban lending stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best housing loan and urban lending stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance, Capri Global Capital and HUDCO stand out for their roadmaps in a home loan lender, a small-town housing and business lender and an urban infrastructure financier. FY26 revenue growth was 10.6% at PNB Housing, 45.9% at Capri Global and 28.8% at HUDCO, and return on equity ranges from 11.92% to 18.36%.\"}},{\"@type\":\"Question\",\"name\":\"Is PNB Housing Finance a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance has a debt to equity ratio of 3.70, a return on equity of 11.92% and a P\/E of 12.95 against an industry P\/E of 17.72. Valuation, funding costs and loan quality move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of PNB Housing, Capri Global and HUDCO?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 12.95 for PNB Housing (industry 17.72), 20.56 for Capri Global (industry 17.72) and 7.38 for HUDCO (industry 17.72). Only Capri Global trades at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these housing loan and urban lending stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"HUDCO has the highest return on equity at 18.36%, followed by Capri Global Capital at 13.18% and PNB Housing Finance at 11.92%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in housing loan and urban lending stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are interest rate cycles, large loan exposure and quarterly trends. Changes in policy rates can move borrowing costs and lending spreads.\"}},{\"@type\":\"Question\",\"name\":\"How did PNB Housing, Capri Global and HUDCO perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"PNB Housing Finance reported revenue of Rs 2,265.36 crore, up 8.8% year on year, and net profit rose 4.5% to Rs 557.34 crore. 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Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>PNB Housing Finance, Capri Global Capital and HUDCO compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":301571,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10949,11064,11065,10959,6065],"class_list":["post-301573","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-capri-global-capital","tag-housing-loan-and-urban-lending-stocks","tag-housing-loan-and-urban-lending-stocks-to-buy","tag-hudco","tag-pnb-housing-finance"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["301571"],"rank_math_title":["Housing Loan and Urban Lending Stocks: Top 3 Roadmap Picks"],"rank_math_description":["Housing loan and urban lending stocks with a strong roadmap: PNB Housing, Capri Global and HUDCO compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["housing loan and urban lending stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-housing-loan-and-urban-lending-stocks-with-a-strong-future-roadmap-pnb-housing.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301573","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=301573"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301573\/revisions"}],"predecessor-version":[{"id":301574,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/301573\/revisions\/301574"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/301571"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=301573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=301573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=301573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}