Incorporated in 1970, Housing and Urban Development Corporation Ltd (HUDCO) is a whollyowned Government company with more than 46 years of experience in providing loans for housing and urban infrastructure projects in India. The company provides long term finance for construction of houses and to undertake housing and urban infrastructure development programs. Apart from the financing operations, Hudco offers consultancy services, promotes research and studies and help propagate use of local building materials, cost-effective and innovative construction technologies. As on 31st of December 2016 the company had outstanding loan portfolio of around INR 3,63,860mn out of which around 30.86 per cent was for housing sector and the rest for infrastructure. 89.93 per cent of the total loan was to state governments and their agencies. The company has NIMs of 4.2 per cent plus across the sector. The Gross NPAs were around 6.8 per cent and...