{"id":303394,"date":"2026-10-13T09:19:33","date_gmt":"2026-10-13T03:49:33","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=303394"},"modified":"2026-10-13T09:19:33","modified_gmt":"2026-10-13T03:49:33","slug":"vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/","title":{"rendered":"3 Vehicle Finance, Financial Holding and Infrastructure Lender Stocks With a Strong Future Roadmap: Cholamandalam Investment and Finance Company, Bajaj Finserv and HUDCO"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Chola Rs 1,580.70, P\/E 22.95. Bajaj Finserv Rs 1,719.90, P\/E 13.26. HUDCO Rs 163.79, P\/E 7.38. Closing prices of 12 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;\">Vehicle finance, financial holding and infrastructure lender stocks with the clearest long-term roadmaps today include Chola in vehicle finance, home equity and small business loans, Bajaj Finserv in stakes in lending and insurance businesses and HUDCO in loans for housing and urban infrastructure. FY26 revenue growth was 20.6% at Chola, 13.2% at Bajaj Finserv and 28.8% at HUDCO. P\/E stands at 22.95 for Chola (industry 17.72), 13.26 for Bajaj Finserv (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>Vehicle finance, financial holding and infrastructure lender stocks give investors exposure to loans and insurance that move vehicles, homes, cities and small businesses. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three vehicle finance, financial holding and infrastructure lender stocks: Cholamandalam Investment and Finance Company for vehicle finance, home equity and small business loans, Bajaj Finserv for stakes in lending and insurance businesses and HUDCO for loans for housing and urban infrastructure. Every figure comes from the latest reported financials and the 12 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=vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\"><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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#What_Are_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\" title=\"What Are Vehicle Finance, Financial Holding and Infrastructure Lender Stocks?\">What Are Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_at_a_Glance\" title=\"Vehicle Finance, Financial Holding and Infrastructure Lender Stocks at a Glance\">Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Why_Do_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Vehicle Finance, Financial Holding and Infrastructure Lender Stocks Have a Strong Roadmap in India?\">Why Do Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\" title=\"Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap\">Cholamandalam Investment and Finance Company: Vehicle and Small 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-5\" href=\"https:\/\/univest.in\/blogs-2\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Bajaj_Finserv_Lending_and_Insurance_Arms_Anchor_the_Roadmap\" title=\"Bajaj Finserv: Lending and Insurance Arms Anchor the Roadmap\">Bajaj Finserv: Lending and Insurance Arms 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Best_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_in_India_Chola_vs_Bajaj_Finserv_vs_HUDCO_on_Key_Financials\" title=\"Best Vehicle Finance, Financial Holding and Infrastructure Lender Stocks in India: Chola vs Bajaj Finserv vs HUDCO on Key Financials\">Best Vehicle Finance, Financial Holding and Infrastructure Lender Stocks in India: Chola vs Bajaj Finserv 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#How_to_Evaluate_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Vehicle Finance, Financial Holding and Infrastructure Lender Stocks to Buy Before You Invest\">How to Evaluate Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Risks_to_Consider_Before_Investing_in_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\" title=\"Risks to Consider Before Investing in Vehicle Finance, Financial Holding and Infrastructure Lender Stocks\">Risks to Consider Before Investing in Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#FAQs_on_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\" title=\"FAQs on Vehicle Finance, Financial Holding and Infrastructure Lender Stocks\">FAQs on Vehicle Finance, Financial Holding and Infrastructure Lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Which_are_the_best_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best vehicle finance, financial holding and infrastructure lender stocks in India with a strong roadmap?\">Which are the best vehicle finance, financial holding and infrastructure lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\" title=\"Is Cholamandalam Investment and Finance Company a good stock to buy now?\">Is Cholamandalam Investment and Finance Company 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#What_is_the_PE_ratio_of_Chola_Bajaj_Finserv_and_HUDCO\" title=\"What is the P\/E ratio of Chola, Bajaj Finserv and HUDCO?\">What is the P\/E ratio of Chola, Bajaj Finserv 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Which_of_these_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_has_the_highest_return_on_equity\" title=\"Which of these vehicle finance, financial holding and infrastructure lender stocks has the highest return on equity?\">Which of these vehicle finance, financial holding and infrastructure lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#What_are_the_risks_of_investing_in_vehicle_finance_financial_holding_and_infrastructure_lender_stocks\" title=\"What are the risks of investing in vehicle finance, financial holding and infrastructure lender stocks?\">What are the risks of investing in vehicle finance, financial holding and infrastructure lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#How_did_Chola_Bajaj_Finserv_and_HUDCO_perform_in_Q1_FY27\" title=\"How did Chola, Bajaj Finserv and HUDCO perform in Q1 FY27?\">How did Chola, Bajaj Finserv 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#Do_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_pay_dividends\" title=\"Do vehicle finance, financial holding and infrastructure lender stocks pay dividends?\">Do vehicle finance, financial holding and infrastructure lender 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\/vehicle-finance-financial-holding-and-infrastructure-lender-stocks-forward-growth-shortlist\/#How_can_I_invest_in_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_in_India\" title=\"How can I invest in vehicle finance, financial holding and infrastructure lender stocks in India?\">How can I invest in vehicle finance, financial holding and infrastructure lender stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\"><\/span><strong>What Are Vehicle Finance, Financial Holding and Infrastructure Lender Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle finance, financial holding and infrastructure lender stocks are shares of companies that lend for vehicles, housing and infrastructure or hold stakes in financial firms. Results depend on loan growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_at_a_Glance\"><\/span><strong>Vehicle Finance, Financial Holding and Infrastructure Lender 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 vehicle finance, financial holding and infrastructure lender stocks as of the 12 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\/cholafin\/cholamandalam-investment-finance-company-ltd-share-price-today\">Cholamandalam Investment and Finance Company<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,580.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">131,995<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.95<\/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;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/bajajfinsv\/bajaj-finserv-ltd-share-price-today\">Bajaj Finserv<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,719.90<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">273,600<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.26<\/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;\">12.58%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.52<\/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;\">163.79<\/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 lending stocks, Chola trades at a premium to the industry P\/E, while Bajaj Finserv and HUDCO trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Vehicle Finance, Financial Holding and Infrastructure Lender Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle finance, financial holding and infrastructure lender stocks have a strong roadmap in India because vehicle sales, housing needs and urban projects keep adding demand for specialised lenders and financial holding companies. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Vehicle demand:<\/strong> Commercial and passenger vehicle buyers rely on finance.<\/li>\n<li><strong>Urban projects:<\/strong> Housing and city infrastructure need long-term funds.<\/li>\n<li><strong>Group stakes:<\/strong> Lending and insurance arms add earning streams.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\"><\/span><strong>Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chola&#8217;s roadmap rests on vehicle finance, home equity and small business loans delivered through a wide branch network, with demand for commercial vehicle and small business credit supporting loan growth.<\/p>\n<p>Revenue grew from Rs 10,231.81 crore in FY22 to Rs 31,538.73 crore in FY26, a 208.2% rise, and FY26 revenue was 20.6% higher than FY25. FY26 net profit rose 22.7% to Rs 5,228.88 crore. Over four years, net profit rose from Rs 2,158.89 crore in FY22 to Rs 5,228.88 crore. In Q1 FY27, revenue grew 21.8% to Rs 8,956.68 crore, and net profit rose 45.6% to Rs 1,656.22 crore.<\/p>\n<p>Debt to equity is 6.93 and return on equity is 17.18%. Chola paid a dividend of Rs 2 per share for FY26, a yield of 0.13%. At a P\/E of 22.95 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 22.95 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=\"Bajaj_Finserv_Lending_and_Insurance_Arms_Anchor_the_Roadmap\"><\/span><strong>Bajaj Finserv: Lending and Insurance Arms Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finserv&#8217;s roadmap rests on a financial holding company with stakes in consumer and SME lending, life insurance and general insurance, with its lending and insurance arms supporting earnings.<\/p>\n<p>Revenue grew from Rs 68,438.98 crore in FY22 to Rs 150,530.38 crore in FY26, a 119.9% rise, and FY26 revenue was 13.2% higher than FY25. FY26 net profit rose 12.0% to Rs 19,669.47 crore. Over four years, net profit rose from Rs 8,313.53 crore in FY22 to Rs 19,669.47 crore. In Q1 FY27, revenue grew 19.1% to Rs 42,036.90 crore, and net profit rose 18.2% to Rs 6,296.67 crore.<\/p>\n<p>Debt to equity is 5.52 and return on equity is 12.58%. Bajaj Finserv paid a dividend of Rs 1.5 per share for FY26, a yield of 0.09%. At a P\/E of 13.26 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 13.26 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=\"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_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_in_India_Chola_vs_Bajaj_Finserv_vs_HUDCO_on_Key_Financials\"><\/span><strong>Best Vehicle Finance, Financial Holding and Infrastructure Lender Stocks in India: Chola vs Bajaj Finserv vs HUDCO on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best vehicle finance, financial holding and infrastructure lender stocks in India, Chola leads on Q1 FY27 net profit growth; Bajaj Finserv leads on the lowest debt to equity; HUDCO leads on FY26 revenue growth and Q1 FY27 revenue growth. 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;\">Chola<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Bajaj Finserv<\/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;\">31,538.73<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">150,530.38<\/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;\">20.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.2%<\/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;\">5,228.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,669.47<\/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;\">22.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.0%<\/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;\">21.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.1%<\/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;\">45.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.2%<\/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;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.58%<\/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;\">22.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.26<\/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;\">6.93<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.52<\/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;\">0.13%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.09%<\/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, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Vehicle Finance, Financial Holding and Infrastructure Lender 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 vehicle finance, financial holding and infrastructure lender stocks and shortlist vehicle finance, financial holding and infrastructure lender 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 loan growth, asset quality and capital adequacy together.<\/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 vehicle finance, financial holding and infrastructure lender stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\"><\/span><strong>Risks to Consider Before Investing in Vehicle Finance, Financial Holding and Infrastructure Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move spreads.<\/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 Chola, Bajaj Finserv 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 lending stocks cover vehicle loans, financial holdings and housing and urban infrastructure loans. Chola leads on Q1 FY27 net profit growth; Bajaj Finserv leads on the lowest debt to equity; HUDCO leads on FY26 revenue growth and Q1 FY27 revenue growth.<\/p>\n<p>Across vehicle finance, financial holding and infrastructure lender 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 vehicle finance, financial holding and infrastructure lender 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_Vehicle_Finance_Financial_Holding_and_Infrastructure_Lender_Stocks\"><\/span><strong>FAQs on Vehicle Finance, Financial Holding and Infrastructure Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best vehicle finance, financial holding and infrastructure lender stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company, Bajaj Finserv and HUDCO stand out for their roadmaps in vehicle loans, financial holdings and housing and urban infrastructure loans. FY26 revenue growth was 20.6% at Chola, 13.2% at Bajaj Finserv and 28.8% at HUDCO, and return on equity ranges from 12.58% to 18.36%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\"><\/span><strong>Is Cholamandalam Investment and Finance Company a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company has a debt to equity ratio of 6.93, a return on equity of 17.18% and a P\/E of 22.95 against an industry P\/E of 17.72. Valuation, asset quality and funding costs 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_Chola_Bajaj_Finserv_and_HUDCO\"><\/span><strong>What is the P\/E ratio of Chola, Bajaj Finserv and HUDCO?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 22.95 for Chola (industry 17.72), 13.26 for Bajaj Finserv (industry 17.72) and 7.38 for HUDCO (industry 17.72). Only Chola trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these vehicle finance, financial holding and infrastructure lender 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 Cholamandalam Investment and Finance Company at 17.18% and Bajaj Finserv at 12.58%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_vehicle_finance_financial_holding_and_infrastructure_lender_stocks\"><\/span><strong>What are the risks of investing in vehicle finance, financial holding and infrastructure lender stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Chola_Bajaj_Finserv_and_HUDCO_perform_in_Q1_FY27\"><\/span><strong>How did Chola, Bajaj Finserv and HUDCO perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company reported revenue of Rs 8,956.68 crore, up 21.8% year on year, and net profit rose 45.6% to Rs 1,656.22 crore. Bajaj Finserv reported revenue of Rs 42,036.90 crore, up 19.1% year on year, and net profit rose 18.2% to Rs 6,296.67 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_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_pay_dividends\"><\/span><strong>Do vehicle finance, financial holding and infrastructure lender 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 0.13% for Chola, 0.09% for Bajaj Finserv 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_vehicle_finance_financial_holding_and_infrastructure_lender_stocks_in_India\"><\/span><strong>How can I invest in vehicle finance, financial holding and infrastructure lender stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy vehicle finance, financial holding and infrastructure lender 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 vehicle finance, financial holding and infrastructure lender stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company, Bajaj Finserv and HUDCO stand out for their roadmaps in vehicle loans, financial holdings and housing and urban infrastructure loans. 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The dividend yield is 0.13% for Chola, 0.09% for Bajaj Finserv and 3.86% for HUDCO, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in vehicle finance, financial holding and infrastructure lender stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy vehicle finance, financial holding and infrastructure lender stocks through a demat and trading account on NSE or BSE after checking each company'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.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cholamandalam Investment and Finance Company, Bajaj Finserv and HUDCO compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":28,"featured_media":303393,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[7472,10579,11459,11460,10959,11458],"class_list":["post-303394","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-bajaj-finserv","tag-cholamandalam-investment-and-finance-company","tag-financial-holding-and-infrastructure-lender-stocks","tag-financial-holding-and-infrastructure-lender-stocks-to-buy","tag-hudco","tag-vehicle-finance"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["303393"],"rank_math_title":["Vehicle, Holding and Infrastructure Lender Stocks"],"rank_math_description":["Vehicle finance, financial holding and infrastructure lender stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["vehicle finance, financial holding and infrastructure lender 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-vehicle-finance-financial-holding-and-infrastructure-lender-stocks-with-a.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303394","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\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=303394"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303394\/revisions"}],"predecessor-version":[{"id":303395,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/303394\/revisions\/303395"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/303393"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=303394"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=303394"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=303394"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}