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The Housing and Urban Development Corporation Ltd. (HUDCO) is a fully owned Government of India enterprise. Established on April 25, 1970, HUDCO has emerged as the leading national techno-financing institution of India. HUDCO was set up with the primary objective of providing long-term finance for construction of houses, undertaking urban development programs and infrastructure facilities.

HUDCO's focus on the social aspect of housing and utility infrastructure provision has made it a different player in the housing finance market. In spite of being a commercial institution, HUDCO has successfully been able to adopt a policy of preferential allocation of resources to the socially disadvantaged. It always puts special stress on more socially relevant sectors over the other commercially viable and profitable sectors.

HUDCO is the single largest housing finance company having contributed over 14 million housing units with an investment of about Rs. 27,616 crore. Of this, 86.21 lacs houses benefits the rural housing needs and the balance 55.

23 lacs the urban housing needs. So far, HUDCO has successfully completed 14379 projects, excluding the Urban Infrastructure projects. It is also involved in urban infrastructure in a big way. The sectors that HUDCO covers are water supply, sewerage, roads, bridges, flyovers, airports and social infrastructure.

HUDCO's main objectives can be defined as under:

  • Housing and Urban Development program in India with special emphasis on low cost housing.
  • Development of new townships and their infrastructural needs.
  • Development of buildings material technology and industries.
  • Consultancy services with India and abroad.
HUDCO has played a stellar role in implementation of National Housing Policy. It has been entrusted with the implementation of the priority programs of the Ministry like Low Cost Sanitation, Night Shelter for Footpath Dwellers, Shelter Up gradation under Nehru Rozgar Yojana, Rural Housing under Minimum Needs Program etc.

HUDCO Niwas, launched in 1999, is an extremely popular housing loan scheme launched by HUDCO. Under this scheme, instead of disbursing it through the state governments, individual housing loans are given directly to the borrowers. In order to learn more about housing finance companies in India browse through the site.

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