Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q1 FY2026 Earnings Presentation
31 slides from Housing & Urban Development's earnings presentation, Aug 6, 2025
Slide 1: Cover letter to stock exchanges on investor presentation
HUDCO/List. Comp./SE/2025 6th August, 2025 Listing Department Listing Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Plot No. C/1, G Block Dalal Street Bandra-Kurla Complex, Bandra (E) Mumbai – 400001 Mumbai – 400051 SCRIP CODE: 540530 SCRIP
Slide 2: Investors Presentation & Performance Highlights Q1FY26
Housing and Urban Development Corporation Limited (A Govt. of India Enterprise) Financing Infrastructure B e y o n d H o u s in g Investors Presentation & Performance Highlights Q1FY26
Slide 3: Table of Content
Financing Infrastructure Beyond Housing 01 HUDCO, A UNIQUE Institution 02 OPERATIONAL Performance 03 FINANCIAL performance • Borrowing Profile • Asset Quality 04 • Key Financial SECTOR Outlook TABLE OF Highlights & Opportunities CONTENT
Slide 4: HUDCO, A Unique Institution
Financing Infrastructure Beyond Housing More than 5 decade of expertise as techno-financial institution. A Public Financial Institution providing Financing, Consultancy and Capacity Building support – entire landscape of Housing and Infrastructure projects. Multi sectoral focus with strong rel
Slide 5: HUDCO journey and milestones
Financing Infrastructure Beyond Housing 2020- till date • 2023-24: Public holding increased to 25%. Benefits 2024-25: • Reinforce role in mitigating funding gap for infrastructure development 2010-2020 - Accorded Navratna Status • Expand horizon thru focus on infra sectors • Public Issue of Tax Free
Slide 6: Offices and diverse pool of professionals
Financing Infrastructure Beyond Housing Corporate / Registered Office : New Delhi Multisectoral focus thru 21 Regional Offices and 11 Development Offices across India Last miles delivery of services in North-East India Training & Research arm - Human Settlement Management Institute (HSMI) at
Slide 7: Pan-India Presence, Strong Relationships with States
Financing Infrastructure Beyond Housing Pan-India Presence, Strong Key Role in Various Schemes Relationships with States of Govt. of India - PMAY, JJM etc. Strong Asset Quality - Strong Financial Ratios - Lowest NPA and high Provision consistent Profitability Coverage Ratio Highest Credit Ratings: O
Slide 8: Financing, Consultancy and Capacity Building
Financing Infrastructure Beyond Housing FINANCING CONSULTANCY • Affordable Housing • Architectural • Infrastructure: • Urban & Regional Social Infra- Hospital, Govt. Planning Bldg, Water Supply; • Appraisal & Monitoring Commercial Infra – Roads, • Asset Monetization Highways, Urban Mobility, Por
Slide 9: Environmental Responsibility, Social Impact, Corporate Governance
Financing Infrastructure Beyond Housing Environmental Responsibility Social Impact Corporate Governance • Sustainable lending - ₹ 13,555 • Impactful CSR - ₹ 52.72 Cr • Independent and Healthy Cr towards RE & Net ZERO spent (FY25) Board Structure • Low environmental impact of • Support to social infr
Slide 10: Stronger Lending Capacity, Trusted by Borrowers
Financing Infrastructure Beyond Housing Ind AAA (Stable) BBB+ (Stable) BBB- (Stable) AAA (Stable) AAA (Stable) Baa3 (Stable) • Stronger Lending Capacity • Trusted by Borrowers • Global Financial Credibility • Low-Risk Profile 9
Slide 11: Top 10 Shareholders
Financing Infrastructure Beyond Housing Corporates, 0.71% Top 10 Shareholders Individuals/HUFs, 12.07% President of Name Shareholding % FPIs/FIIs, 1.96% India, 75.00% The President of India thru MoHUA 54.27 Insurance Companies, The President Of India thru MoRD 20.73 8.05% LIC of India 7.08 Mutual Fu
Slide 12: Market Capitalisation
Financing Infrastructure Beyond Housing (₹ Crore) 56,000 Market Capitalisation Growth – over 47,557.14 48,000 5 times since Mar’23 39,927.90 40,000 37,485.58 32,000 24,000 16,000 8,658.22 8,000 0 31-Mar-23 28-Mar-24 28-Mar-25 30-Jun-25 • Amongst top 200 Companies by Market Cap Earning Per Share ₹ Bo
Slide 13: Growth Trajectory: Sanctions, Disbursements, Loan Portfolio
Financing Infrastructure Beyond Housing Growth Trajectory Category wise Category wise Loan Portfolio Sanctions Disbursements 12
Slide 14: Loan Sanctions, Disbursements, Outstanding and Interest Income
Financing Infrastructure Beyond Housing LOAN SANCTIONS (₹ in Crores) LOAN DISBURSEMENT(₹ in Crores) QoQ YoY QoQ YoY 1,27,952 34,224 40,038 (1.48% ) 12,812 12,625 (55% ) 82,387 (143% `) (122% ) (235% ) ` 17,987 (112% ) 24,572 8,466 14,097 FY23 FY24 FY25 Q1FY25 Q1FY26 FY23 FY24 FY25 Q1FY25 Q1FY26 YoY
Slide 15: Affordable Housing portfolio to increase with PMAY 2.0
Financing Infrastructure Beyond Housing 100.00% 3.07% 2.50% 1.53% 1.41% 46.96% 38.85% 100.00% 54.20% 35.08% 75.00% 75.00% 50.00% 50.00% 96.93% 97.50% 98.47% 98.59% 61.15% 64.92% 25.00% 45.80% 53.04% 25.00% 0.00% 0.00% FY23 FY24 FY25 Q1FY26 URBAN INFRASTRUCTURE AFFORDABLE HOUSING FY23 FY24 FY25 Q1FY2
Slide 16: Borrowing Profile, Asset Quality, Key Financial Highlights
Financing Infrastructure Beyond Housing BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS
Slide 17: Resources raised in Q1 FY26
Financing Infrastructure Beyond Housing (₹ in Crore) Q1 12M Category Average Average Average Average FY26 FY25 FY25 FY24 Cost Cost Cost Cost Taxable Bonds 5,372.22 6.85% 1,936.00 7.48% 14,768.50 7.28% 1,500.00 7.48% Bank / FI Loans - Short Term 11,992.11* 6.24% 5,562.50 7.29% 4,555.68 7.21% 6,654.56
Slide 18: Borrowing profile and average cost
Financing Infrastructure Beyond Housing (₹ in Crore) Avg Cost of Avg Cost of Particulars Q1FY26 Q1FY25 Refinancing, Borrowings Borrowings 0.25% A. GoI fully 20,000.00 8.47% 20,000.00 8.47% Serviced Bonds B. Others Tax Free Bonds 12,372.38 8.04% 12,372.38 8.04% Taxable Bonds* 26,650.70 7.24% 11,746.0
Slide 19: Borrowing strategy and cost of borrowings
Financing Infrastructure Beyond Housing Judicious mix of borrowings through various sources, both Cost of Borrowings Domestic and International, based on ALM profile. 8.00% Strategic increase in domestic borrowings to capitalize on 7.80% Overall Incremental the prevailing low interest rate regim
Slide 20: Asset quality: NPA and provision coverage
Financing Infrastructure Beyond Housing 5.00% Best in the Industry Robust appraisal and monitoring 4.00% 3.42% 3.00% 2.71% mechanism 2.00% 1.67% 1.34% Periodic review of policies and procedures 1.00% 0.52% 0.36% 0.25% 0.09% - in line with best market practices 0.00% Loans to Govt. & its agenci
Slide 21: Gross NPA composition: consortium and non-consortium projects
Financing Infrastructure Beyond Housing Gross NPA ₹ 1795.61 Crore, Net NPA ₹ 116.89 Crore, Provision coverage 93.49% • ₹1122.13 Crore Consortium Under NCLT Consortium Projects Resolution • 05 No. of Accounts • Provision made – 100% • ₹1,157.11 Crore • ₹34.98 Crore • 08 No. of Accounts Outside NCLT •
Slide 22: Q1FY26 highlights
Financing Infrastructure Beyond Housing Net Profit Sanctions Disbursements CRAR ₹ 34,224 Cr. Highest Ever 41.72% ₹ 630.23 Cr. Vs Quarterly Vs. Well capitalized for ₹ 14,097 Cr. Disbursement of ₹ 557.75 Cr. future growth (143% ) ₹12,812 Cr. (13% ) Loan Book Operational Asset Quality Provision Coverag
Slide 23: Profit and loss statement
Financing Infrastructure Beyond Housing (₹ in Crore) Particulars Q1 12 MONTHS FY26 FY25 FY25 FY24 (Audited) (Audited) (Audited) (Audited) Income: - Revenue from Operations 2,937.31 2,188.35 10,311.29 7,784.29 - Other Income 8.16 8.84 37.09 163.81 Total Income (1) 2945.47 2,197.19 10,348.38 7,948.10
Slide 24: Key financial ratios
Financing Infrastructure Beyond Housing Particulars Q1FY26 Q1FY25 FY2025 Incl. EBR Excl. EBR Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan Portfolio (₹ Crore) 1,34,410 1,14,410 1,03,815 83,815 1,24,828 1,04,828 Yield on Loan (%) 9.08% 9.11% 9.06% 9.12% 9.50% 9.65% Cost of Funds (%) 7.07% 6.76% 7.36%
Slide 25: Sector Outlook & Opportunities
Financing Infrastructure Beyond Housing 24
Slide 26: Infrastructure investment outlook (CRISIL)
Financing Infrastructure Beyond Housing In Rs. Lakh Crore Source: CRISIL Intelligence Report 2025 25
Slide 27: Infrastructure funding demand and opportunities
Financing Infrastructure Beyond Housing The Government’s vision for marching towards $10 trillion economy by 2030 and Viksit Bharat by 2047 is poised to generate huge demand of funding for infra development with initiatives like: Land Acquisition, PMAY 2.0 incl. Integrated Township & Mobility – Metr
Slide 28: Urban Challenge Fund
Financing Infrastructure Beyond Housing • Urban Challenge Fund of ₹ 1 Lakh Crore: • Fund to finance up to 25 per cent of the cost of Initial Screening DPR Preparation bankable projects, subject to at least 50 per cent of the cost is funded from bonds, bank loans, and PPPs • ₹ 10,000 Crore allocated
Slide 29: Recent MoUs and initiatives
Financing Infrastructure Beyond Housing MoU with MMRDA for financial assistance of ₹1.5 Lakh MoU with MP Govt. for financial assistance of ₹1 ₹ 1 Lakh Crores MoU with Rajasthan for Housing & Crore over the next 5 years Lakh Crore over the next 5 years Infrastructure projects 3rd tranche of ECB to se
Slide 30: Awards and recognitions
Financing Infrastructure Beyond Housing 17th BML Munjal Award for PSE Excellence Award 2025 for Business Excellence Enterprise Application ETNOW Infra Focus Awards 2024: Governance Now-10th PSU IT Award: Infrastructure Sector (Housing) Excellence in Software Development Governance Now 11th PSU Asset
Slide 31: Thank You
Financing Infrastructure Beyond Housing Thank You Financing Infrastructure Beyond Housing Head Office: HUDCO Bhawan, Core-7-A, India Habitat Centre, Lodhi Road, New Delhi - 110 003 30 31
Housing and Urban Development Corporation Limited (HUDCO) — Q1 FY2026 Earnings Presentation on 6ix