{"id":346220,"date":"2026-11-13T12:37:51","date_gmt":"2026-11-13T07:07:51","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=346220"},"modified":"2026-11-13T12:37:51","modified_gmt":"2026-11-13T07:07:51","slug":"housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/","title":{"rendered":"3 Housing Developer, Fertilisers Maker and Gold Jewellery Retailer Stocks With a Strong Future Roadmap: Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E84;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold: ROE of 13.6% to 22.9% and FY22 to FY26 revenue CAGR of 6.7% to 50.2%. Prices as of 12 Nov 2026.<\/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:#1F4E84;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The three housing, fertiliser and gold jewellery stocks to watch are Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Their return on equity ranges from 13.6% to 22.9%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.7% to 50.2%. Senco Gold has the highest return on equity at 22.9%, while Ashiana Housing has the fastest revenue growth at 50.2% a year. Prices are based on the 12 November 2026 close, and this article is educational, not investment advice.<\/p>\n<\/div>\n<p>Housing, fertiliser and gold jewellery stocks bring together companies with a visible plan for the years ahead. Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold cover a housing developer, a fertilisers maker and a gold jewellery retailer.<\/p>\n<p>This list covers three housing, fertiliser and gold jewellery stocks with complete current figures: Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Every figure comes from the latest reported financials and the 12 November 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\">Click Here &#8211; Get Free Investment Predictions<\/a><\/strong><\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#What_Are_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"What Are Housing, Fertiliser and Gold Jewellery Stocks?\">What Are Housing, Fertiliser and Gold Jewellery 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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Housing_Fertiliser_and_Gold_Jewellery_Stocks_at_a_Glance\" title=\"Housing, Fertiliser and Gold Jewellery Stocks at a Glance\">Housing, Fertiliser and Gold Jewellery 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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Why_Do_Housing_Fertiliser_and_Gold_Jewellery_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Housing, Fertiliser and Gold Jewellery Stocks Have a Strong Roadmap in India?\">Why Do Housing, Fertiliser and Gold Jewellery 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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Why_Ashiana_Housing_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"Why Ashiana Housing Features Among These Housing, Fertiliser and Gold Jewellery Stocks\">Why Ashiana Housing Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Why_Chambal_Fertilisers_and_Chemicals_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"Why Chambal Fertilisers and Chemicals Features Among These Housing, Fertiliser and Gold Jewellery Stocks\">Why Chambal Fertilisers and Chemicals Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Why_Senco_Gold_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"Why Senco Gold Features Among These Housing, Fertiliser and Gold Jewellery Stocks\">Why Senco Gold Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Ashiana_Housing_vs_Chambal_Fertilisers_and_Chemicals_vs_Senco_Gold_on_Key_Financials\" title=\"Ashiana Housing vs Chambal Fertilisers and Chemicals vs Senco Gold on Key Financials\">Ashiana Housing vs Chambal Fertilisers and Chemicals vs Senco Gold 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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Key_Risks_to_Check_Before_Investing_in_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"Key Risks to Check Before Investing in Housing, Fertiliser and Gold Jewellery Stocks\">Key Risks to Check Before Investing in Housing, Fertiliser and Gold Jewellery Stocks<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Final_Thoughts_on_Housing_Fertiliser_and_Gold_Jewellery_Stocks\" title=\"Final Thoughts on Housing, Fertiliser and Gold Jewellery Stocks\">Final Thoughts on Housing, Fertiliser and Gold Jewellery Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#What_are_housing_fertiliser_and_gold_jewellery_stocks\" title=\"What are housing, fertiliser and gold jewellery stocks?\">What are housing, fertiliser and gold jewellery stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Which_housing_fertiliser_and_gold_jewellery_stocks_are_covered_in_this_list\" title=\"Which housing, fertiliser and gold jewellery stocks are covered in this list?\">Which housing, fertiliser and gold jewellery stocks are covered in this list?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/housing-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Why_do_housing_fertiliser_and_gold_jewellery_stocks_have_a_strong_future_roadmap_in_India\" title=\"Why do housing, fertiliser and gold jewellery stocks have a strong future roadmap in India?\">Why do housing, fertiliser and gold jewellery stocks have a strong future roadmap in India?<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#How_has_Ashiana_Housing_performed_financially\" title=\"How has Ashiana Housing performed financially?\">How has Ashiana Housing performed financially?<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#How_has_Chambal_Fertilisers_and_Chemicals_performed_financially\" title=\"How has Chambal Fertilisers and Chemicals performed financially?\">How has Chambal Fertilisers and Chemicals performed financially?<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#How_has_Senco_Gold_performed_financially\" title=\"How has Senco Gold performed financially?\">How has Senco Gold performed financially?<\/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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#What_risks_should_investors_check_before_buying_housing_fertiliser_and_gold_jewellery_stocks\" title=\"What risks should investors check before buying housing, fertiliser and gold jewellery stocks?\">What risks should investors check before buying housing, fertiliser and gold jewellery 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-developer-fertilisers-maker-and-gold-jewellery-retailer-stocks-roadmap-escarpment-list\/#Is_this_list_of_housing_fertiliser_and_gold_jewellery_stocks_investment_advice\" title=\"Is this list of housing, fertiliser and gold jewellery stocks investment advice?\">Is this list of housing, fertiliser and gold jewellery stocks investment advice?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>What Are Housing, Fertiliser and Gold Jewellery Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing, fertiliser and gold jewellery stocks are listed companies that build and sell apartments and residential projects, make urea and other fertilisers for farmers, and sell gold and diamond jewellery through a growing store network. Their earnings depend on home sales, farm demand and festive jewellery demand.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Housing_Fertiliser_and_Gold_Jewellery_Stocks_at_a_Glance\"><\/span><strong>Housing, Fertiliser and Gold Jewellery Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<thead>\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;\">D\/E<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/ashiana\/ashiana-housing-ltd-share-price-today\">Ashiana Housing<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">358.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,586<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.3<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.7<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.6<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.35<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/chamblfert\/chambal-fertilisers-and-chemicals-ltd-share-price-today\">Chambal Fertilisers and Chemicals<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">386.55<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15,339<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.0<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21.2<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.8<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.10<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/senco\/senco-gold-ltd-share-price-today\">Senco Gold<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">339.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,063<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.9<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">44.3<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.9<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.07<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>On valuation, all three trade at a P\/E below their industry P\/E, which means the market is pricing them at a lower multiple than their peer group. Readers comparing housing, fertiliser and gold jewellery stocks should look at return on equity and debt together, since a high return earned with low debt is easier to sustain.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Housing_Fertiliser_and_Gold_Jewellery_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Housing, Fertiliser and Gold Jewellery Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing, fertiliser and gold jewellery stocks have a strong roadmap in India because strong demand for new homes, steady fertiliser use on farms and growing preference for branded jewellery keep widening the market for these companies.<\/p>\n<ul>\n<li><strong>Housing.<\/strong> Families buy more new homes.<\/li>\n<li><strong>Fertilisers.<\/strong> Farms need steady nutrients.<\/li>\n<li><strong>Gold jewellery.<\/strong> Households prefer trusted jewellers.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why_Ashiana_Housing_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>Why Ashiana Housing Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the housing, fertiliser and gold jewellery stocks on this list, Ashiana Housing develops mid-income residential projects and senior living communities in cities such as the Delhi region, Jaipur and Chennai. It is known for its focus on construction quality and timely delivery.<\/p>\n<p>Revenue rose from Rs 234 crore in FY22 to Rs 1,187 crore in FY26, a compound annual growth rate of 50.2%. Net profit grew from Rs 27.9 crore in FY23 to Rs 118 crore in FY26, which works out to a compound annual growth rate of 61.7%.<\/p>\n<p>The company has a return on equity of 13.6%, a debt to equity ratio of 0.35 and a market capitalisation of Rs 3,586 crore. The stock trades at a P\/E of 30.3, below the industry P\/E of 30.7.<\/p>\n<p><strong>Roadmap:<\/strong> The company is launching new phases in established markets and growing its senior living portfolio. A reputation for delivery supports sales in its projects.<\/p>\n<p><strong>What to watch:<\/strong> Track sales bookings, project launches and deliveries.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Chambal_Fertilisers_and_Chemicals_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>Why Chambal Fertilisers and Chemicals Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the apartment developer, urea maker and jewellery chain shares on this list, Chambal Fertilisers and Chemicals makes urea at its plants in Rajasthan and trades in other fertilisers, crop protection chemicals and agri inputs.<\/p>\n<p>Revenue rose from Rs 16,137 crore in FY22 to Rs 20,921 crore in FY26, a compound annual growth rate of 6.7%. Net profit grew from Rs 1,566 crore in FY22 to Rs 1,953 crore in FY26, which works out to a compound annual growth rate of 5.7%.<\/p>\n<p>The company has a return on equity of 18.8%, a debt to equity ratio of 0.10 and a market capitalisation of Rs 15,339 crore. The stock trades at a P\/E of 8.0, below the industry P\/E of 21.2.<\/p>\n<p><strong>Roadmap:<\/strong> The company has a strong urea franchise with large volumes and a wide dealer network. It is widening into crop protection and specialty agri inputs, which adds higher-margin revenue to the base fertiliser business.<\/p>\n<p><strong>What to watch:<\/strong> Track fertiliser subsidy policy updates and the monsoon, which both influence volumes and working capital.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Senco_Gold_Features_Among_These_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>Why Senco Gold Features Among These Housing, Fertiliser and Gold Jewellery Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the three companies on this list, Senco Gold &#038; Diamonds is a Kolkata-based jewellery retailer with a large network of owned and franchise showrooms, selling gold, diamond and silver jewellery across many states.<\/p>\n<p>The company has a return on equity of 22.9%, a debt to equity ratio of 1.07 and a market capitalisation of Rs 5,063 crore. The stock trades at a P\/E of 8.9, below the industry P\/E of 44.3.<\/p>\n<p>Revenue rose from Rs 3,547 crore in FY22 to Rs 8,510 crore in FY26, a compound annual growth rate of 24.5%. Net profit grew from Rs 129 crore in FY22 to Rs 574 crore in FY26, which works out to a compound annual growth rate of 45.2%.<\/p>\n<p><strong>Roadmap:<\/strong> The company is expanding in southern and western India and growing its studded and lightweight jewellery ranges. Its long heritage in eastern India gives it a loyal customer base.<\/p>\n<p><strong>What to watch:<\/strong> Track showroom additions, studded jewellery share and gold price trends.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ashiana_Housing_vs_Chambal_Fertilisers_and_Chemicals_vs_Senco_Gold_on_Key_Financials\"><\/span><strong>Ashiana Housing vs Chambal Fertilisers and Chemicals vs Senco Gold on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table below sets the three housing, fertiliser and gold jewellery stocks side by side on revenue, profit and margin, using reported figures.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<thead>\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;\">FY22 Revenue (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Revenue (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Revenue CAGR (FY22-FY26)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Net Profit (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">FY26 Net Margin<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Ashiana Housing<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">234<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,187<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">50.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">118<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Chambal Fertilisers and Chemicals<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16,137<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20,921<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,953<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Senco Gold<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,547<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8,510<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">574<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Senco Gold posts the highest return on equity in this group at 22.9%. Chambal Fertilisers and Chemicals has the largest FY26 revenue at Rs 20,921 crore, and Ashiana Housing shows the fastest revenue growth with a 50.2% compound annual rate.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_to_Check_Before_Investing_in_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>Key Risks to Check Before Investing in Housing, Fertiliser and Gold Jewellery Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every theme carries risks that deserve a check before any decision. For these housing, fertiliser and gold jewellery stocks, the main points are:<\/p>\n<ul>\n<li><strong>Housing cycles.<\/strong> Real estate and building demand can vary with rates and sentiment.<\/li>\n<li><strong>Government spending.<\/strong> Public project funding can shift between periods.<\/li>\n<li><strong>Commodity prices.<\/strong> Selling prices follow global and domestic markets.<\/li>\n<\/ul>\n<p>Treat this list as a starting point for research and not as a recommendation. Read the latest results presentation, check the management commentary on order books or capacity plans, and compare each company with its peers before you decide anything.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href=\"https:\/\/univest.in\/screeners\">Use the Univest Stock Screener<\/a><\/strong> to filter housing, fertiliser and gold jewellery stocks by market capitalisation, P\/E, ROE and growth, and build your own shortlist.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts_on_Housing_Fertiliser_and_Gold_Jewellery_Stocks\"><\/span><strong>Final Thoughts on Housing, Fertiliser and Gold Jewellery Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing, fertiliser and gold jewellery stocks suit investors who prefer to study business strength before price moves. Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold each have a clear plan to grow. Based on the 12 November 2026 close, Ashiana Housing trades at Rs 358.6, Chambal Fertilisers and Chemicals at Rs 386.55 and Senco Gold at Rs 339.15.<\/p>\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 housing, fertiliser and gold jewellery stocks, set price alerts and get research-backed stock ideas.<\/em><\/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<\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_are_housing_fertiliser_and_gold_jewellery_stocks\"><\/span><strong>What are housing, fertiliser and gold jewellery stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Housing, fertiliser and gold jewellery stocks are listed companies that build and sell apartments and residential projects, make urea and other fertilisers for farmers, and sell gold and diamond jewellery through a growing store network. Their earnings depend on home sales, farm demand and festive jewellery demand. This list looks at three of them, Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold, using reported FY22 to FY26 financials and the 12 November 2026 closing prices.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_housing_fertiliser_and_gold_jewellery_stocks_are_covered_in_this_list\"><\/span><strong>Which housing, fertiliser and gold jewellery stocks are covered in this list?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> This list covers Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Based on the 12 November 2026 close, Ashiana Housing traded at Rs 358.6, Chambal Fertilisers and Chemicals at Rs 386.55 and Senco Gold at Rs 339.15. Their return on equity ranges from 13.6% to 22.9%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.7% to 50.2%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_housing_fertiliser_and_gold_jewellery_stocks_have_a_strong_future_roadmap_in_India\"><\/span><strong>Why do housing, fertiliser and gold jewellery stocks have a strong future roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Housing, fertiliser and gold jewellery stocks have a strong roadmap in India because strong demand for new homes, steady fertiliser use on farms and growing preference for branded jewellery keep widening the market for these companies. The main drivers are as follows. Housing. Families buy more new homes. Fertilisers. Farms need steady nutrients. Gold jewellery. Households prefer trusted jewellers. Together these factors give the companies on this list a visible path for growth over the coming years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Ashiana_Housing_performed_financially\"><\/span><strong>How has Ashiana Housing performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 234 crore in FY22 to Rs 1,187 crore in FY26, a compound annual growth rate of 50.2%. Net profit grew from Rs 27.9 crore in FY23 to Rs 118 crore in FY26, which works out to a compound annual growth rate of 61.7%. The company has a return on equity of 13.6%, a debt to equity ratio of 0.35 and a market capitalisation of Rs 3,586 crore. The stock trades at a P\/E of 30.3, below the industry P\/E of 30.7. Looking ahead, the company is launching new phases in established markets and growing its senior living portfolio. A reputation for delivery supports sales in its projects.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Chambal_Fertilisers_and_Chemicals_performed_financially\"><\/span><strong>How has Chambal Fertilisers and Chemicals performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 16,137 crore in FY22 to Rs 20,921 crore in FY26, a compound annual growth rate of 6.7%. Net profit grew from Rs 1,566 crore in FY22 to Rs 1,953 crore in FY26, which works out to a compound annual growth rate of 5.7%. The company has a return on equity of 18.8%, a debt to equity ratio of 0.10 and a market capitalisation of Rs 15,339 crore. The stock trades at a P\/E of 8.0, below the industry P\/E of 21.2. Looking ahead, the company has a strong urea franchise with large volumes and a wide dealer network. It is widening into crop protection and specialty agri inputs, which adds higher-margin revenue to the base fertiliser business.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_has_Senco_Gold_performed_financially\"><\/span><strong>How has Senco Gold performed financially?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Revenue rose from Rs 3,547 crore in FY22 to Rs 8,510 crore in FY26, a compound annual growth rate of 24.5%. Net profit grew from Rs 129 crore in FY22 to Rs 574 crore in FY26, which works out to a compound annual growth rate of 45.2%. The company has a return on equity of 22.9%, a debt to equity ratio of 1.07 and a market capitalisation of Rs 5,063 crore. The stock trades at a P\/E of 8.9, below the industry P\/E of 44.3. Looking ahead, the company is expanding in southern and western India and growing its studded and lightweight jewellery ranges. Its long heritage in eastern India gives it a loyal customer base.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_should_investors_check_before_buying_housing_fertiliser_and_gold_jewellery_stocks\"><\/span><strong>What risks should investors check before buying housing, fertiliser and gold jewellery stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Investors should check a few risks before buying housing, fertiliser and gold jewellery stocks. Housing cycles. Real estate and building demand can vary with rates and sentiment. Government spending. Public project funding can shift between periods. Commodity prices. Selling prices follow global and domestic markets. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_this_list_of_housing_fertiliser_and_gold_jewellery_stocks_investment_advice\"><\/span><strong>Is this list of housing, fertiliser and gold jewellery stocks investment advice?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. This article is educational and uses publicly available data as of the 12 November 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What are housing, fertiliser and gold jewellery stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Housing, fertiliser and gold jewellery stocks are listed companies that build and sell apartments and residential projects, make urea and other fertilisers for farmers, and sell gold and diamond jewellery through a growing store network. Their earnings depend on home sales, farm demand and festive jewellery demand. This list looks at three of them, Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold, using reported FY22 to FY26 financials and the 12 November 2026 closing prices.\"}},{\"@type\":\"Question\",\"name\":\"Which housing, fertiliser and gold jewellery stocks are covered in this list?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This list covers Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Based on the 12 November 2026 close, Ashiana Housing traded at Rs 358.6, Chambal Fertilisers and Chemicals at Rs 386.55 and Senco Gold at Rs 339.15. Their return on equity ranges from 13.6% to 22.9%, and their revenue compound annual growth from FY22 to FY26 ranges from 6.7% to 50.2%.\"}},{\"@type\":\"Question\",\"name\":\"Why do housing, fertiliser and gold jewellery stocks have a strong future roadmap in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Housing, fertiliser and gold jewellery stocks have a strong roadmap in India because strong demand for new homes, steady fertiliser use on farms and growing preference for branded jewellery keep widening the market for these companies. The main drivers are as follows. Housing. Families buy more new homes. Fertilisers. Farms need steady nutrients. Gold jewellery. Households prefer trusted jewellers. 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Its long heritage in eastern India gives it a loyal customer base.\"}},{\"@type\":\"Question\",\"name\":\"What risks should investors check before buying housing, fertiliser and gold jewellery stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Investors should check a few risks before buying housing, fertiliser and gold jewellery stocks. Housing cycles. Real estate and building demand can vary with rates and sentiment. Government spending. Public project funding can shift between periods. Commodity prices. Selling prices follow global and domestic markets. Reading the latest results presentation and comparing each company with its peers helps judge how these risks apply to each stock.\"}},{\"@type\":\"Question\",\"name\":\"Is this list of housing, fertiliser and gold jewellery stocks investment advice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. This article is educational and uses publicly available data as of the 12 November 2026 close. Please verify figures on NSE and BSE, read company filings and consult a SEBI registered adviser before investing. Univest is SEBI registered research analyst INH000013776.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Housing, Fertiliser and Gold Jewellery Stocks with a strong future roadmap: Ashiana Housing, Chambal Fertilisers and Chemicals and Senco Gold. Compare price, valuation, return on equity and revenue growth as of 12 November 2026.<\/p>\n","protected":false},"author":38,"featured_media":346219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[23499,9375,3803,14240,23502,23498,19197,23501,7182,23500],"class_list":["post-346220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-apartment-developer","tag-ashiana-housing","tag-best-stocks","tag-chambal-fertilisers-and-chemicals","tag-crop-nutrients-and-ornament-stocks","tag-fertiliser-and-gold-jewellery-stocks","tag-housing","tag-residential-real-estate","tag-senco-gold","tag-urea-maker-and-jewellery-chain-shares"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["346219"],"rank_math_title":["Housing, Fertiliser and Gold Jewellery Stocks"],"rank_math_description":["Compare 3 housing, fertiliser and gold jewellery stocks with a strong future roadmap on CMP, market cap, P\/E, ROE and revenue growth. 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