FY27 Disbursement Target: ₹65,000 Crore
25% increase from ₹52,000 crore disbursed in FY26, backed by board-approved borrowing plan of ₹70,000 crore.
HOUSINGANDURBANDEVELOPME / guidance tracker
Keep management guidance in view.
Housing And Urban · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Spread Maintenance at 2%
Current quarter spread compression due to accelerated growth; expected to normalize to ~2% by Q3 FY27 as earlier-disbursed loans start generating returns.
AUM Target: ₹3 Lakh Crore by 2030
Mid-course review planned for mid-FY28 based on FY27 achievement; management expressed high confidence in meeting this target.
NPA Resolution: Most Assets to Clear This FY
₹1,100 crore at advanced IBC stage with orders received/liquidation ongoing; 34 outside-NCLT accounts nearing resolution through promoter engagement.
Loan book target of ₹3 lakh crore by 2030
Management reiterated target to double loan book from ~₹1.5 lakh crore to ₹3 lakh crore by 2030, supported by government policies and capital infusion.
Disbursement target of ₹50,000 crore for FY26
Management guided for ₹50,000 crore of disbursements in the current financial year, implying ~25% loan book growth.
Net NPA resolution by end of next financial year
Management expects to resolve most of the remaining ₹1,600 crore gross NPAs (excluding ₹800 crore under liquidation) by end of FY27.
Debt-to-equity ratio to be brought below 6x in 2-3 months
Management plans to issue perpetual debt instruments (Tier 1 capital) to reduce debt-to-equity from 7.28x to below 6x within 2-3 months.