A Study of Trend Analysis of Financial Performance of Selected Public Sector Housing Finance Companies in India

Abstract The COVID-19 pandemic has had a profound and far-reaching impact on the global population and economy. Since its outbreak, the virus has infected millions and claimed more than 1.8 million lives worldwide. Beyond the devastating human toll, the pandemic significantly disrupted economic activities across almost every country, causing a sharp decline in GDP growth rates and severely affecting various industries. One of the sectors that experienced notable disruption is the service sector, which includes financial institutions such as housing finance companies. This paper aims to examine the trend analysis of financial performance of selected public housing finance companies, including Housing and Urban Development Corporation (HUDCO), LIC Housing Finance Limited (LICHFL), Can Fin Homes Limited (CanFinHFL), and GIC Housing Finance Limited (GIC HFL). The focus of the study is to assess the impact of the COVID-19 pandemic on these institutions by analysing key financial indicators such as profitability ratios and liquidity ratios considering during and post pandemic year.