{"id":312574,"date":"2026-10-16T10:17:02","date_gmt":"2026-10-16T04:47:02","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=312574"},"modified":"2026-10-16T10:17:02","modified_gmt":"2026-10-16T04:47:02","slug":"gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/","title":{"rendered":"3 Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks With a Strong Future Roadmap: South Indian Bank, HUDCO and Edelweiss Financial Services"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>South Indian Bank Rs 51.48, P\/E 8.03. HUDCO Rs 161.06, P\/E 7.38. Edelweiss Rs 134.47, P\/E 16.98. Closing prices of 14 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;\">Gold-loan bank, urban housing financier and asset manager stocks with the clearest long-term roadmaps today include South Indian Bank in retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, HUDCO in loans for housing, urban infrastructure and social projects and Edelweiss in alternative asset management, wealth management, life insurance and credit. FY26 revenue growth was 5.6% at South Indian Bank, 28.8% at HUDCO and 14.1% at Edelweiss. P\/E stands at 8.03 for South Indian Bank (industry 12.00), 7.38 for HUDCO (industry 17.72) and 16.98 for Edelweiss (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>Gold-loan bank, urban housing financier and asset manager stocks give investors exposure to banking, housing finance and asset management for households and investors. Credit growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three gold-loan bank, urban housing financier and asset manager stocks: South Indian Bank for retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, HUDCO for loans for housing, urban infrastructure and social projects and Edelweiss Financial Services for alternative asset management, wealth management, life insurance and credit. Every figure comes from the latest reported financials and the 14 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=gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\"><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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#What_Are_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\" title=\"What Are Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks?\">What Are Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_at_a_Glance\" title=\"Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks at a Glance\">Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Why_Do_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks Have a Strong Roadmap in India?\">Why Do Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#South_Indian_Bank_Kerala-Rooted_Retail_Lending_Builds_the_Next_Leg\" title=\"South Indian Bank: Kerala-Rooted Retail Lending Builds the Next Leg\">South Indian Bank: Kerala-Rooted Retail Lending Builds the Next Leg<\/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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#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-6\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Edelweiss_Financial_Services_Asset_Management_and_Wealth_Drive_the_Pipeline\" title=\"Edelweiss Financial Services: Asset Management and Wealth Drive the Pipeline\">Edelweiss Financial Services: Asset Management and Wealth Drive 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Best_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_in_India_South_Indian_Bank_vs_HUDCO_vs_Edelweiss_on_Key_Financials\" title=\"Best Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks in India: South Indian Bank vs HUDCO vs Edelweiss on Key Financials\">Best Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks in India: South Indian Bank vs HUDCO vs Edelweiss 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#How_to_Evaluate_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks to Buy Before You Invest\">How to Evaluate Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Risks_to_Consider_Before_Investing_in_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\" title=\"Risks to Consider Before Investing in Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks\">Risks to Consider Before Investing in Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#FAQs_on_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\" title=\"FAQs on Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks\">FAQs on Gold-Loan Bank, Urban Housing Financier and Asset Manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Which_are_the_best_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best gold-loan bank, urban housing financier and asset manager stocks in India with a strong roadmap?\">Which are the best gold-loan bank, urban housing financier and asset manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Is_South_Indian_Bank_a_good_stock_to_buy_now\" title=\"Is South Indian Bank a good stock to buy now?\">Is South Indian Bank 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#What_is_the_PE_ratio_of_South_Indian_Bank_HUDCO_and_Edelweiss\" title=\"What is the P\/E ratio of South Indian Bank, HUDCO and Edelweiss?\">What is the P\/E ratio of South Indian Bank, HUDCO and Edelweiss?<\/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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Which_of_these_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_has_the_highest_return_on_equity\" title=\"Which of these gold-loan bank, urban housing financier and asset manager stocks has the highest return on equity?\">Which of these gold-loan bank, urban housing financier and asset manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#What_are_the_risks_of_investing_in_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks\" title=\"What are the risks of investing in gold-loan bank, urban housing financier and asset manager stocks?\">What are the risks of investing in gold-loan bank, urban housing financier and asset manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#How_did_South_Indian_Bank_HUDCO_and_Edelweiss_perform_in_Q1_FY27\" title=\"How did South Indian Bank, HUDCO and Edelweiss perform in Q1 FY27?\">How did South Indian Bank, HUDCO and Edelweiss 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#Do_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_pay_dividends\" title=\"Do gold-loan bank, urban housing financier and asset manager stocks pay dividends?\">Do gold-loan bank, urban housing financier and asset manager 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\/gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-roadmap-gateway-list\/#How_can_I_invest_in_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_in_India\" title=\"How can I invest in gold-loan bank, urban housing financier and asset manager stocks in India?\">How can I invest in gold-loan bank, urban housing financier and asset manager stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\"><\/span><strong>What Are Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Gold-loan bank, urban housing financier and asset manager stocks are shares of companies that lend, insure or take deposits for households and businesses. Results depend on credit 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=\"Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_at_a_Glance\"><\/span><strong>Gold-Loan Bank, Urban Housing Financier and Asset Manager 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 gold-loan bank, urban housing financier and asset manager stocks as of the 14 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<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/southbank\/the-south-indian-bank-ltd-share-price-today\">South Indian Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">51.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12,144<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.80%<\/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;\">161.06<\/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<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/edelweiss\/edelweiss-financial-services-ltd-share-price-today\">Edelweiss Financial Services<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">134.47<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12,087<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.98<\/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;\">13.58%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Gold-loan bank, urban housing financier and asset manager stocks have a strong roadmap in India because gold and MSME credit demand, urban housing projects and growing investable wealth keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Regional credit:<\/strong> Gold and small business loans stay in demand.<\/li>\n<li><strong>Urban projects:<\/strong> Housing and city infrastructure need long-tenure funding.<\/li>\n<li><strong>Wealth creation:<\/strong> Investors seek alternative assets and advice.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Kerala-Rooted_Retail_Lending_Builds_the_Next_Leg\"><\/span><strong>South Indian Bank: Kerala-Rooted Retail Lending Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>South Indian Bank&#8217;s roadmap rests on retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, with deposit mobilisation and loan growth supporting earnings.<\/p>\n<p>Revenue grew from Rs 7,620.43 crore in FY22 to Rs 11,855.28 crore in FY26, a 55.6% rise, and FY26 revenue was 5.6% higher than FY25. FY26 net profit rose 11.7% to Rs 1,455.64 crore. In Q1 FY27, revenue grew 0.8% to Rs 3,007.40 crore, and net profit rose 17.2% to Rs 377.66 crore.<\/p>\n<p>Return on equity is 12.80%. South Indian Bank paid a dividend of Rs 0.45 per share for FY26, a yield of 0.97%. At a P\/E of 8.03 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 8.03 against an industry P\/E of 12.00 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=\"Edelweiss_Financial_Services_Asset_Management_and_Wealth_Drive_the_Pipeline\"><\/span><strong>Edelweiss Financial Services: Asset Management and Wealth Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Edelweiss&#8217; roadmap rests on alternative asset management, wealth management, life insurance and credit, with growing client assets supporting fee income.<\/p>\n<p>Revenue grew from Rs 7,212.59 crore in FY22 to Rs 10,865.14 crore in FY26, a 50.6% rise, and FY26 revenue was 14.1% higher than FY25. FY26 net profit rose 27.0% to Rs 680.46 crore. Over four years, net profit rose from Rs 212.07 crore in FY22 to Rs 680.46 crore. In Q1 FY27, revenue grew 6.0% to Rs 2,418.81 crore, and net profit rose 30.9% to Rs 134.37 crore.<\/p>\n<p>Debt to equity is 4.02 and return on equity is 13.58%. Edelweiss paid a dividend of Rs 1.5 per share for FY26, a yield of 1.17%. At a P\/E of 16.98 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 16.98 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_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_in_India_South_Indian_Bank_vs_HUDCO_vs_Edelweiss_on_Key_Financials\"><\/span><strong>Best Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks in India: South Indian Bank vs HUDCO vs Edelweiss on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best gold-loan bank, urban housing financier and asset manager stocks in India, South Indian Bank ranks second on the lowest P\/E; HUDCO leads on FY26 revenue growth and Q1 FY27 revenue growth; Edelweiss ranks second 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;\">South Indian Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">HUDCO<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Edelweiss<\/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;\">11,855.28<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13,327.13<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,865.14<\/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;\">5.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.1%<\/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;\">1,455.64<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,034.37<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">680.46<\/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;\">11.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">48.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">27.0%<\/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;\">0.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">26.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.0%<\/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;\">17.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">35.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.9%<\/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;\">12.80%<\/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;\">13.58%<\/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;\">8.03<\/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;\">16.98<\/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;\">0.97%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.86%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.17%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Financial earnings follow credit 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_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Gold-Loan Bank, Urban Housing Financier and Asset Manager 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 gold-loan bank, urban housing financier and asset manager stocks and shortlist gold-loan bank, urban housing financier and asset manager stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which differs by company 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 capital adequacy and asset quality 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 gold-loan bank, urban housing financier and asset manager stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\"><\/span><strong>Risks to Consider Before Investing in Gold-Loan Bank, Urban Housing Financier and Asset Manager 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 South Indian Bank, HUDCO and Edelweiss 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 banking and finance stocks cover a regional bank, housing finance and alternative assets. South Indian Bank ranks second on the lowest P\/E; HUDCO leads on FY26 revenue growth and Q1 FY27 revenue growth; Edelweiss ranks second on FY26 revenue growth and Q1 FY27 revenue growth.<\/p>\n<p>Across gold-loan bank, urban housing financier and asset manager 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 gold-loan bank, urban housing financier and asset manager 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_Gold-Loan_Bank_Urban_Housing_Financier_and_Asset_Manager_Stocks\"><\/span><strong>FAQs on Gold-Loan Bank, Urban Housing Financier and Asset Manager Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best gold-loan bank, urban housing financier and asset manager stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank, HUDCO and Edelweiss Financial Services stand out for their roadmaps in a regional bank, housing finance and alternative assets. FY26 revenue growth was 5.6% at South Indian Bank, 28.8% at HUDCO and 14.1% at Edelweiss, and return on equity ranges from 12.80% to 18.36%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_South_Indian_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is South Indian Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank has a return on equity of 12.80% and a P\/E of 8.03 against an industry P\/E of 12.00. 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_South_Indian_Bank_HUDCO_and_Edelweiss\"><\/span><strong>What is the P\/E ratio of South Indian Bank, HUDCO and Edelweiss?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 8.03 for South Indian Bank (industry 12.00), 7.38 for HUDCO (industry 17.72) and 16.98 for Edelweiss (industry 17.72). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these gold-loan bank, urban housing financier and asset manager 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 Edelweiss Financial Services at 13.58% and South Indian Bank at 12.80%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks\"><\/span><strong>What are the risks of investing in gold-loan bank, urban housing financier and asset manager 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_South_Indian_Bank_HUDCO_and_Edelweiss_perform_in_Q1_FY27\"><\/span><strong>How did South Indian Bank, HUDCO and Edelweiss perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank reported revenue of Rs 3,007.40 crore, up 0.8% year on year, and net profit rose 17.2% to Rs 377.66 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. Edelweiss Financial Services reported revenue of Rs 2,418.81 crore, up 6.0% year on year, and net profit rose 30.9% to Rs 134.37 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_pay_dividends\"><\/span><strong>Do gold-loan bank, urban housing financier and asset manager 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 0.97% for South Indian Bank, 3.86% for HUDCO and 1.17% for Edelweiss, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_gold-loan_bank_urban_housing_financier_and_asset_manager_stocks_in_India\"><\/span><strong>How can I invest in gold-loan bank, urban housing financier and asset manager stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy gold-loan bank, urban housing financier and asset manager 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 gold-loan bank, urban housing financier and asset manager stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank, HUDCO and Edelweiss Financial Services stand out for their roadmaps in a regional bank, housing finance and alternative assets. FY26 revenue growth was 5.6% at South Indian Bank, 28.8% at HUDCO and 14.1% at Edelweiss, and return on equity ranges from 12.80% to 18.36%.\"}},{\"@type\":\"Question\",\"name\":\"Is South Indian Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank has a return on equity of 12.80% and a P\/E of 8.03 against an industry P\/E of 12.00. 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All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these gold-loan bank, urban housing financier and asset manager stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"HUDCO has the highest return on equity at 18.36%, followed by Edelweiss Financial Services at 13.58% and South Indian Bank at 12.80%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in gold-loan bank, urban housing financier and asset manager stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did South Indian Bank, HUDCO and Edelweiss perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank reported revenue of Rs 3,007.40 crore, up 0.8% year on year, and net profit rose 17.2% to Rs 377.66 crore. 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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>South Indian Bank, HUDCO and Edelweiss Financial Services compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":34,"featured_media":312573,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10954,12465,10959,5529,12671,12672],"class_list":["post-312574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-edelweiss-financial-services","tag-gold-loan-bank","tag-hudco","tag-south-indian-bank","tag-urban-housing-financier-and-asset-manager-stocks","tag-urban-housing-financier-and-asset-manager-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["312573"],"rank_math_title":["Gold-Loan Bank, Urban Housing and Asset Manager Stocks"],"rank_math_description":["Gold-loan bank, urban housing financier and asset manager stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["gold-loan bank, urban housing financier and asset manager 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-gold-loan-bank-urban-housing-financier-and-asset-manager-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312574","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\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=312574"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312574\/revisions"}],"predecessor-version":[{"id":312575,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312574\/revisions\/312575"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/312573"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=312574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=312574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=312574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}