Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — FY2025 Earnings Presentation
35 slides from Housing & Urban Development's earnings presentation, May 8, 2025
Slide 1: Cover letter to stock exchanges on investor presentation
HUDCO/List. Comp./SE/2025 8th May, 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 CO
Slide 2: Investors Presentation & Performance Highlights FY25
Financing Infrastructure Beyond Housing Investors Presentation & Performance Highlights FY25 Housing and Urban Development Corporation Limited @hudcolimited (A Govt. of India facebook.com/hudco Enterprise) youtube.com@HUDCOLTD linkedin.com/hudco-limited
Slide 3: Table of Content
Financing Infrastructure Beyond Housing 01 HUDCO, A UNIQUE Institution 02 OPERATIONAL Performance TABLE OF 03 CONTENT FINANCIAL performance • Borrowing Profile • Asset Quality 04 • Key Financial SECTOR Outlook Highlights & Opportunities
Slide 4: Hudco - A Unique Institution
Financing Infrastructure Beyond Housing Hudco - A Unique institution ➢ 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 s
Slide 5: Journey: HFC to NBFC-IFC
Financing Infrastructure Beyond Housing Journey: HFC to NBFC-IFC 2020- till date • 2023-24: Public holding increased to 25%. Benefits • 2023-24 - All time high dividend of • Reinforce role in mitigating funding gap for infrastructure development 2010-2020 ₹830.79 Crore (₹4.15/share ) • Expand horizo
Slide 6: Pan-India Presence
Financing Infrastructure Beyond Housing Pan-India Presence (Enabling - Business Diversification, Enhanced Brand Recognition, Robust partnership with State Govts. and Enhanced investor outreach) ➢ Corporate / Registered Office : New Delhi ➢ Multisectoral focus thru 21 Regional Offices and 11 Developm
Slide 7: Key Strengths
Financing Infrastructure Beyond Housing Key Strengths Pan-India Presence, Strong Key Role in Various Schemes of Relationships with States Govt. of India - Housing for All, Jal Jeevan Mission etc. Strong Asset Quality - Strong Financial Ratios - Lowest NPA consistent Profitability Highest Credit Rati
Slide 8: 360° Partnership for Sustainable Asset Creation
Financing Infrastructure Beyond Housing 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 9: Highest Credit Ratings (incl. Capital Gain Tax Exemption Bonds)
Financing Infrastructure Beyond Housing Highest Credit Ratings (incl. Capital Gain Tax Exemption Bonds) • Stronger Lending Capacity • Trusted by Borrowers • Global Financial Credibility • Low-Risk Profile 8
Slide 10: Shareholders Prospect as on 31-Mar-2025
Financing Infrastructure Beyond Housing Shareholders Prospect as on 31-Mar-2025 Corporates, 0.69% Individuals/HUFs, 12.16% President of India, 75.00% FPIs/FIIs, 2.46% Insurance Companies, 8.00% 50% Mutual Fund/AIF, Dividend Payout Ratio (%) 1.69% (₹ Crore) 41.50% 41.50% 38.50% 40% (830.79) (830.79*)
Slide 11: Rising market capitalisation & investor confidence
Financing Infrastructure Beyond Housing Rising market capitalisation & investor confidence (₹ Crore) 48,000 Market Capitalisation 39,927.90 40,000 37,485.58 Growth – over 4.5 times since Mar’23 32,000 24,000 16,000 8,658.22 8,000 6,556.22 0 31-Mar-22 31-Mar-23 28-Mar-24 28-Mar-25 • Amongst top 200 C
Slide 12: Operational Performance
Financing Infrastructure Beyond Housing Operational Performance Growth Trajectory Loan Portfolio Category wise Sanctions Category wise Disbursements 11
Slide 13: Unmatched growth trajectory
Financing Infrastructure Beyond Housing unmatched growth trajectory 1,60,000 50,000 ₹ in Crores ₹ in Crores 1,40,000 LOAN SANCTIONS LOAN DISBURSEMENTS 40,038 (55% ) 1,27,952 40,000 (122% ) 1,20,000 1,00,000 30,000 82,387 (235% ) 80,000 (112% ) 17,987 60,000 20,000 40,000 8,887 8,466 20,663 24,572 10
Slide 14: Loan Portfolio
Financing Infrastructure Beyond Housing Loan Portfolio 100.00% 46.96% 3.28% 3.07% 2.50% 1.53% 54.20% 38.85% 100.00% 57.03% 75.00% 75.00% 50.00% 50.00% 96.72% 96.93% 97.50% 98.47% 61.15% 25.00% 45.80% 53.04% 42.97% 25.00% 0.00% 0.00% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 URBAN INFRASTRUCTURE AFFORD
Slide 15: Order book / Loan Sanctions – building future pipeline
Financing Infrastructure Beyond Housing Order book / Loan Sanctions – building future pipeline 8.51% 14.10% 4.73% 3.48% 100.00% 75.00% 50.00% 96.52% 91.49% 85.90% 95.27% 25.00% 0.00% FY22 FY23 FY24 FY25 URBAN INFRASTRUCTURE AFFORDABLE HOUSING Particulars (₹ in Crores) FY22 FY23 FY24 FY25 Urban Infra
Slide 16: Loan Disbursement
Financing Infrastructure Beyond Housing Loan Disbursement 100% 2.05% 14.40% 21.71% 13.15% 75% 50% 97.95% 85.60% 78.29% 86.85% 25% 0% FY22 FY23 FY24 FY25 URBAN INFRASTRUCTURE AFFORDABLE HOUSING Particulars (₹ in Crores) FY22 FY23 FY24 FY25 Urban Infrastructure 7,607 6,628 15,621 39,217.00 Affordable
Slide 17: Financial Performance at a Glance
Financing Infrastructure Beyond Housing Financial Performance at a Glance BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS
Slide 18: Superior liability management – adding to margins
Financing Infrastructure Beyond Housing Superior liability management – adding to margins (₹ in Crore) Q4 12M Category Average Average Average Average FY25 FY24 FY25 FY24 Cost Cost Cost Cost Taxable Bonds 7,752.50 7.29% 14,768.50 7.28% 1,500.00 7.48% Bank / FI Loans - Short Term 4,555.68 7.21% 6,654
Slide 19: Borrowing profile
Financing Infrastructure Beyond Housing Borrowing profile (₹ in Crore) Avg Cost of Avg Cost of Particulars FY25 FY24 Refinancing, Borrowings Borrowings 0.27% 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 23,578.50 7
Slide 20: Efforts for cost optimization
Financing Infrastructure Beyond Housing Efforts for cost optimization ➢ Judicious mix of borrowings through various sources, both Domestic and International, based on ALM profile. ➢ FCNR(B) Loan of US$ 1830 Million (₹15,563.34 Crore) @6.06%. Cost of Borrowings ➢ Established footprints in Internation
Slide 21: Pristine Asset Quality – a competitive edge
Financing Infrastructure Beyond Housing Pristine Asset Quality – a competitive edge 5.00% Best in the Industry 4.00% 3.58% 3.42% ◼ Robust appraisal and monitoring 2.71% 3.00% 1.67% mechanism 2.00% 1.00% 0.51% 0.52% 0.36% 0.25% ◼ Periodic review of policies and procedures 0.00% FY22 FY23 FY24 FY25 -
Slide 22: Credit Impaired Assets – Resolution/ recovery Status
Financing Infrastructure Beyond Housing Credit Impaired Assets – Resolution/ recovery Status Gross NPA ₹ 2090.65 Crore, Net NPA ₹ 304.36 Crore, Provision coverage 85.44% • ₹1122.13 Crore Consortium Under NCLT Consortium Projects • 05 No. of Accounts Resolution • Provision made – 100% • ₹1,157.11 Cro
Slide 23: Key Financial Highlights
Financing Infrastructure Beyond Housing Key Financial Highlights (₹ in Crore ) Particulars FY25 FY24 % change-YoY A. Highest Ever Achievements: HIGHEST EVER 1 Loan Sanctions 1,27,952 82,387 Up by 55.31% 2 Loan Disbursements 40,038 17,987 Up by 122.59% 3 Profit After Tax (PAT) 2,709.14 2,116.74 Up by
Slide 24: Standalone Statement of Profit & Loss
Financing Infrastructure Beyond Housing Standalone Statement of Profit & Loss (₹ in Crore) Particulars Q4 12 MONTHS FY25 FY24 FY25 FY24 (Audited) (Audited) (Audited) (Audited) Income: - Revenue from Operations 2845.00 2065.22 10311.30 7,784.29 - Other Income 9.92 128.82 37.09 163.81 Total Income (1)
Slide 25: Key Indicators
Financing Infrastructure Beyond Housing Key Indicators Particulars FY2025 FY2024 Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan Portfolio (₹ Crore) 1,24,828 1,04,828 92,654 72,654 Yield on Loan (%) 9.50% 9.65% 9.04 9.09 Cost of Funds (%) 7.44% 7.15% 7.25 6.75 Interest Spread (%) 2.06% 2.49% 1.79 2.34
Slide 26: Sector outlook and Opportunities
Financing Infrastructure Beyond Housing Sector outlook and Opportunities $ 10 Trillion Economy @ 2030 & viksit bharat @ 2047 (developed india @ 2047) 25
Slide 27: HUDCO's Emerging Role – Drivers for Growth
Financing Infrastructure Beyond Housing HUDCO’s Emerging Role – Drivers for Growth 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
Slide 28: Opportunities in Urban Challenge Fund
Financing Infrastructure Beyond Housing Opportunities in Urban Challenge Fund • Urban Challenge Fund of ₹ 1 Lakh Crore: • Fund to finance up to 25 per cent of the cost of Initial bankable projects, subject to at least 50 per cent of Screening the cost is funded from bonds, bank loans, and PPPs • ₹ 1
Slide 29: Hudco - a corner stone of india's infrastructure growth
Financing Infrastructure Beyond Housing Hudco - a corner stone of india’s infrastructure growth MoU with MMRDA for financial assistance of ₹1.5 Lakh ₹ 1 Lakh Crores MoU with Rajasthan for Housing & ₹11,000 Cr loan agreement with CRDA for construction Crore over the next 5 years Infrastructure projec
Slide 30: Partnering for viksit bharat 2047
Financing Infrastructure Beyond Housing Partnering for viksit bharat 2047 Disbursement of ₹1500 Crore for Road & Other Social National Workshop for PMAY (U) 2.0 in partnership with Collaboration with YEIDA for sustainable urban Infra. In the State of Rajasthan MoHUA with over 100 Stakeholders from S
Slide 31: Reaching that extra mile for goi vision
Financing Infrastructure Beyond Housing Reaching that extra mile for goi vision Recognition by Hon’ble CM for Financial support for boosting road infrastructure across 15 districts BML Munjal Award for Business Excellence Continued Focus on Optimizing Cost of Borrowings Best sustainability loan awar
Slide 32: Media coverage
Financing Infrastructure Beyond Housing Media coverage 31
Slide 33: Media coverage
Financing Infrastructure Beyond Housing Media coverage 32
Slide 34: ESG at HUDCO – Building a Sustainable Tomorrow
Financing Infrastructure Beyond Housing ESG at HUDCO – Building a Sustainable Tomorrow Environmental Responsibility • Driving green infrastructure & eco-friendly housing • Focus on climate-resilient urban planning • Encouraging sustainable materials and smart solutions Social Impact • Workplace equi
Slide 35: 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 34 31
Housing and Urban Development — FY2025 Earnings Presentation on 6ix