Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q1 FY27 Earnings Presentation
36 slides from Housing & Urban Development's earnings presentation, 2026
Slide 1: Investors Presentation & Performance Highlights Q1FY27
Financing Infrastructure for Viksit Bharat Investors Presentation & Performance Highlights Q1FY27
Slide 2: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 3: Hudco - A Unique institution
Financing Infrastructure for Viksit Bharat Hudco - A Unique institution
Slide 4: Major Milestones: HFC to IFC
Financing Infrastructure for Viksit Bharat Major Milestones : HFC to IFC INCEPTION & ELEVATED MANDATE- ENHANCED MARKET REPURPOSING OF PIONEERING GOVT. RECOGNITION STANDING HUDCO • 1970: Incorporated as • Key role in 2MHP • Credit Rating : “AAA” • Launch of Development Institution Urban Invest • PM’s
Slide 5: Pan-India Presence
Financing Infrastructure for Viksit Bharat Pan-India Presence
Slide 6: Key Strengths
Financing Infrastructure for Viksit Bharat Key Strengths • Pan-India Presence Key Role in Govt. of India • Strong Relationships Programs/ Missions with States Strong Asset Quality • Strong Financial Ratios • Lowest NPA • Consistent Profitability • High Prov. Coverage Ratio One Stop Solution: Highest
Slide 7: 360° Partnership for Sustainable Asset Creation
Financing Infrastructure for Viksit Bharat 360o Partnership for Sustainable Asset Creation FINANCING CONSULTANCY • Affordable Housing • Architectural • Infrastructure: • Urban & Regional ➢ Social Infra- Hospital, Govt. Planning Bldg, Water Supply; • Appraisal & Monitoring ➢ Commercial Infra – Roads,
Slide 8: ESG at HUDCO – Building a Sustainable Tomorrow
Financing Infrastructure for Viksit Bharat ESG at HUDCO – Building a Sustainable Tomorrow
Slide 9: Committed Sustainable Finance (Q1FY27)
Financing Infrastructure for Viksit Bharat Committed Sustainable Finance (Q1FY27)
Slide 10: Highest Credit Ratings (incl. Capital Gain Tax Exemption Bonds)
Financing Infrastructure for Viksit Bharat Highest Credit Ratings (incl. Capital Gain Tax Exemption Bonds)
Slide 11: Shareholders Prospect as on 30-June-2026
Financing Infrastructure for Viksit Bharat Shareholders Prospect as on 30-June-2026 Top 10 Shareholders Corporates, 0.79% Individuals/HUFs, Name Shareholding % 11.71% Govt. of India, Government of India 75.00 FPIs/FIIs, 2.40% 75.00% Life Insurance Corporation of India 7.26 Insurance Companies, HSBC
Slide 12: Rising market capitalisation & investor confidence
Financing Infrastructure for Viksit Bharat Rising market capitalisation & investor confidence (₹ Crore) 48,000 Market Capitalisation 39,928 41,043 40,000 37,486 31,946 32,000 24,000 16,000 8,658 8,000 0 31-Mar-23 28-Mar-24 28-Mar-25 30-Mar-26 30-Jun-26 Earning Per Share Book Value Per (Annualised) ₹
Slide 13: Operational Performance Growth Trajectory Loan Portfolio
Financing Infrastructure for Viksit Bharat Operational Performance Growth Trajectory Sustained Growth across key operational all metrics Loan Portfolio Robust & Diverse Loan Portfolio
Slide 14: Unmatched growth trajectory
Financing Infrastructure for Viksit Bharat unmatched growth trajectory LOAN SANCTIONS (₹ in Crores) LOAN DISBURSEMENT(₹ in Crores) QoQ QoQ YoY 65,485 YoY 16,377 (29% ) 1,64,758 51,194 (28% ) ` (91% ) 40,038 (28% ) 1,27,952 ` (55% ) 82,387 34,224 (122% ) 12,812 17,987 FY24 FY25 FY26 Q1FY26 Q1FY27 FY2
Slide 15: Loan Portfolio
Financing Infrastructure for Viksit Bharat Loan Portfolio 100.00% 38.85% 26.16% 2.50% 1.53% 1.10% 1.02% 25.29% 100.00% 46.96% 75.00% 75.00% 50.00% 74.71% 50.00% 97.50% 98.47% 98.90% 98.98% 73.84% 61.15% 25.00% 53.04% 25.00% 0.00% FY24 FY25 FY26 Q1FY27 0.00% URBAN INFRASTRUCTURE AFFORDABLE HOUSING FY
Slide 16: Financial Performance at a Glance
Financing Infrastructure for Viksit Bharat Financial Performance at a Glance BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS
Slide 17: Superior liability management – adding to margins
Financing Infrastructure for Viksit Bharat Superior liability management – adding to margins (₹ in Crore) Q1 12M Category Average Average Average Average FY27 FY26 FY26 FY25 Cost Cost Cost Cost Taxable Bonds 2,208.11 7.17% 5,372.22 6.85% 10,396.12 6.79% 14,768.50 7.28% Bank / FI Loans - Short Term 3
Slide 18: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 19: Efforts for cost optimization
Financing Infrastructure for Viksit Bharat Efforts for cost optimization ➢ Judicious mix of borrowings through various sources, both Domestic and International, based on ALM profile. Overall Cost of Borrowings 8.00% ➢ Established International footprints - ECB borrowings of ¥ 275 Billion for tenor o
Slide 20: Pristine Asset Quality – a competitive edge
Financing Infrastructure for Viksit Bharat Pristine Asset Quality – a competitive edge 3.00% 2.71% Best in the Industry ◼ Robust appraisal and monitoring 2.50% 2.00% 1.67% mechanism 1.50% 1.04% 0.96% ◼ Periodic review of policies and procedures 1.00% 0.356% 0.245% - in line with best market practice
Slide 21: Credit Impaired Assets – Resolution/ recovery Status
Financing Infrastructure for Viksit Bharat Credit Impaired Assets – Resolution/ recovery Status Gross NPA ₹ 1,668.86 Crore, Net NPA ₹ 82.43 Crore, Provision coverage 95.06% • ₹1,060.37 Crore (63.54%) Consortium Under NCLT Consortium Projects • 04 No. of Accounts Resolution • Provision made – 100% •
Slide 22: Key Financial Highlights (Q1FY27 Vs Q1 FY26)
Financing Infrastructure for Viksit Bharat Key Financial Highlights (Q1FY27 Vs Q1 FY26) Net Profit Sanctions Disbursements CRAR ₹ 851.11Cr. ₹ 65,485Cr. Highest Ever 39.41% Vs. Vs Quarterly Well capitalized for ₹ 630.23 Cr. ₹ 34,224 Cr. Disbursement of future growth (35% ) (91% ) ₹16,377.14 Cr. Opera
Slide 23: Standalone Statement of Profit & Loss
Financing Infrastructure for Viksit Bharat Standalone Statement of Profit & Loss (₹ in Crore) Particulars Q1 12 MONTHS FY27 FY26 FY26 FY25 (Reviewed) (Reviewed) (Audited) (Audited) Income: - Revenue from Operations 3,717.17 2,937.31 13,150.40 10,311.29 - Other Income 20.32 8.16 176.73 37.09 Total In
Slide 24: Key Indicators
Financing Infrastructure for Viksit Bharat Key Indicators Particulars Q1FY27 Q1FY26 FY2026 Incl. EBR Excl. EBR Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan Portfolio (₹ Crore) 1,73,123 1,53,123 1,34,410 1,14,410 1,60,724 1,40,724 Yield on Loan (%) 8.78% 8.77% 9.08% 9.11% 9.13% 9.18% Cost of Funds (%
Slide 25: Empowering Urban India, Enabling Viksit Bharat
Financing Infrastructure for Viksit Bharat Empowering Urban India, Enabling Viksit Bharat (developed india @ 2047)
Slide 26: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 27: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 28: UiWIN: Enabling Urban Infrastructure Financing
Financing Infrastructure for Viksit Bharat 2047 1. UiWIN : Enabling Urban Infrastructure Financing Dedicated technical assistance and investment facilitation platform - To support the implementation of the Government of India's Urban Challenge Fund (UCF), Readiness 01 Project Formulation 02 Financia
Slide 29: Turning Vision into Reality: Key Developments
Financing Infrastructure for Viksit Bharat 2047 Turning Vision into Reality: Key Developments
Slide 30: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 31: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 32: Gujarat and Odisha MoUs
Financing Infrastructure for Viksit Bharat GUJARAT ODISHA ₹1 Lakh Crore MoU for Viksit Gujrat Vision ₹1 Lakh Crore MoU for Urban Infrastructure Projects PSE Excellence Award 2025 for Enterprise Application ETNOW Infra Focus Awards 2024: GRIHA Award for Infrastructure Sector (Housing) Consultancy Key
Slide 33: Madhya Pradesh and Rajasthan MoUs
Financing Infrastructure for Viksit Bharat MADHYA PRADESH RAJASTHAN ₹1 Lakh Crore MoU: Strengthening India's Central Growth Corridor ₹1 Lakh Crore MoU: Financing Next Generation Infrastructure 17BML Munjal Award for Business Excellence PSE Excellence Award 2025 for Enterprise Application ETNOW Infra
Slide 34: Bihar and MMRDA MoUs
Financing Infrastructure for Viksit Bharat BIHAR MMRDA MoU of ₹1 Lakh Crore Catalysing Urban Transformation ₹1.50 Lakh Crore MoU to Transform Mumbai's Infrastructure PSE Excellence Award 2025 for Enterprise Application ETNOW Infra Focus Awards 2024: GRIHA Award for Infrastructure Sector (Housing) Co
Slide 35: Motivational honors
Financing Infrastructure for Viksit Bharat Motivational honors 17th BML Munjal Award for PSE Excellence Award 2025 for Business Excellence Enterprise Application ETNOW Infra Focus Awards 2024: GRIHA Award for Consultancy Infrastructure Sector (Housing) Project Governance Now 11th PSU Asset Triple A
Slide 36: Thank You
Financing Infrastructure for Viksit Bharat Thank You Financing Infrastructure for Viksit Bharat Head Office: HUDCO Bhawan, Core-7-A, India Habitat Centre, Lodhi Road, New Delhi - 110 003 31
Housing & Urban Development Corporation Ltd. (HUDCO) — Q1 FY27 Earnings Presentation on 6ix