Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — H1 FY2026 Earnings Presentation
38 slides from Housing & Urban Development's earnings presentation, Nov 10, 2025
Slide 1: Stock exchange cover letter for investor presentation
HUDCO/List. Comp/SE/2025-26 * ~ lludco 10th November, 2025 . Listing Department Listing Department BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai- 400001 Mumbai- 400051 Scrip Code- 540530
Slide 2: Financing for Viksit Bharat: Investors Presentation H1FY26
• ~ lludco A NAVRATNA CPSE Financing for Viksit Bharat Investors Presentation & Performance Highlights H1FY26
Slide 3: Financing for Viksit Bharat agenda
Financing for Viksit Bharat A UNIQUE 01 Institution OPERATIONAL 02 Performance FINANCIAL 03 performance 04 REPOSITIONING Efforts SECTOR Outlook & 05 Opportunities
Slide 4: A Public Financial Institution CPSE
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 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 wi
Slide 5: Inception to market standing: HUDCO history
Financing for Viksit Bharat INCEPTION & PIONEERING • 1970: Incorporated as 1970-80 -~ hudco A NAVRATNA CPSE Development Institution DIVERSIFICATION • 1st HFC in Public Sector • 1985: HSMI • 1989: Urban Infra 1980-90 window MINIRATNA 1990-00 ACCREDITATION • Auth. Capital-₹2,500 Cr 2000-10 • 2002: Sch
Slide 6: Corporate office, regional offices and professionals
e Corporate Office Financing for Viksit Bharat -~ hudco - A NAVRATNA CPSE ■ Regional Office Corporate / Registered .&. Development Office . HSMI Office : New Delhi Multisectoral focus through 20 Regional 70% GALANO 30% Offices and 11 Development Offices Training & Research Diverse Diverse pool
Slide 7: Key role in various schemes of Govt. of India
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Pan-India Presence, Key Role in Various Strong Relationships with Schemes of Govt. of India States - PMAY, JJM etc. Strong Asset Quality - Lowest NPA and high Provision Coverage Ratio -~ lludca A NAVRATNA CPSE Strong Financial Ratios Highest Credi
Slide 8: Financing, consultancy and capacity building
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE FINANCING CONSULTANCY • Affordable Housing AFFORDABLE HOUSING & INFRASTRUCTURE FINANCING • Architectural • Infrastructure: • Urban & Regional Social Infra- Hospital, Govt. Planning Bldg, Water Supply; • Appraisal & Monitoring Commercial Infra
Slide 9: ESG
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE E IE NVIRC>N"-"ENTAL sSOSIAL GOVERNAN~CE • Sustainable lending around ₹ 15,000 Cr • Impactful CSR - ₹ 52.72 Cr spent (FY25) • Independent and Healthy Board towards RE & Net ZERO • Affordable Housing Finance Structure • Support to Sanitation Infra-
Slide 10: Credit ratings: Domestic AAA, International Sovereign
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Domestic - AAA International - Sovereign India Ratings &Researcn Japan Credit Rating Agency, Ltd . Ind AAA (Stable) BBB+ (Stable) BBB- (Stable) • ICRA AAA (Stable) ~~Ratings Moony's AAA (Stable) Baa3 (Stable) • Stronger Lending Capacity • Global F
Slide 11: Top 10 Shareholders and dividend payout
Financing for Viksit Bharat - ~ hudco A NAVRATNA CPSE Corporates, 0.61% Top T 10 Shareholders Individuals/HUFs, 11.53% Govt. of India, Name Shareholding % FPIs/FIIs, 1.94% 75.00% Govt. of India 75.00 Insurance Companies, LIC of India 7.68 8.52% HSBC Small Cap Fund 0.81 Mutual Fund/AIF, ICICI Prudent
Slide 12: Market Capitalisation
Financing for Viksit Bharat - ~ hudco A NAVRATNA CPSE (₹ Crore) 48,000 Market Summary > Hou:sing And Urban Development Corp td Market Capitalisation 44,768.49 Growth – over 39,927.90 233 ,. 64 INR 40,000 5 times since 37,485.58 +9.17 (4.09%) ~ past 6 months Mar’23 10 Nov, 10:15 am 1ST • Disclaimer 3
Slide 13: Growth Trajectory, Loan Portfolio
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Growth Trajectory Category wise Category wise Loan Portfolio Sanctions Disbursements 0 12
Slide 14: Loan sanctions, disbursement, outstanding and interest income
LOAN SANCTIONS (₹ in Crores) Financing for Viksit Bharat LOAN DISBURSEMENT(₹ in Crores) -~ hudco A NAVRATNA CPSE YoY YoY 1,27,952 40,038 (55% ) 92,985 (122% ) 25,838 82,387 76,472 21,699 (235% ) 17,987 (112% ) 24,572 8,466 FY23 FY24 FY25 H1FY25 H1FY26 FY23 FY24 FY25 H1FY25 H1FY26 YoY YoY 1,44,554 10
Slide 15: Affordable Housing portfolio to increase with PMAY 2.0
100.00% Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 3.07% 2.50% 1.53% 1.29% 46.96% 38.85% 100.00% 54.20% 35.11% I 75.00% 75.00% 50.00% 50.00% 96.93% 97.50% 98.47% 98.71% 61.15% 64.89% 25.00% 45.80% 53.04% 25.00% 0.00% 0.00% FY23 FY24 FY25 H1FY26 ■ URBAN INFRASTRUCTURE ■ AFFORDABLE HOUSING F
Slide 16: Borrowing Profile, Asset Quality, Key Financial Highlights
Financing for Viksit Bharat BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS 0 15
Slide 17: Borrowing profile by category
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE (₹ in Crore) H1 12M Category Average Average Average Average FY26 FY25 FY25 FY24 Cost Cost Cost Cost Taxable Bonds 8,400.50 6.77% 5,786.00 7.30% 14,768.50 7.28% 1,500.00 7.48% Bank / FI Loans - Short Term 6,874.00 5.79% 5,165.20 7.20% 4,555.68 7.2
Slide 18: Access to multiple sources of funding
Avg Cost of (₹ in Crore) Avg Cost of Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Particulars H1FY26 H1FY25 Refinancing, Borrowings Borrowings 0.98% A. GoI fully 20,000.00 8.47% 20,000.00 8.47% Serviced Bonds B. Others Tax Free Bonds 12,221.38 8.05% 12,372.38 8.04% Taxable Bonds* 29,678.95 7
Slide 19: Judicious mix of domestic and international borrowings
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 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 ■ Overall ■ Incremental the prevailing low interest
Slide 20: Asset quality: NPA and provision coverage
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 5.00% Best in the Industry Robust appraisal and monitoring 4.00% 3.42% 3.00% 2.71% mechanism 2.00% 1.67% Periodic review of policies and procedures 1.21% 1.00% 0.52% 0.36% 0.25% 0.07% - in line with best market practices 0.00% FY23 • FY24 • FY
Slide 21: Gross NPA breakdown: consortium and non-consortium projects
Financing for Viksit Bharat Gross NPA ₹ 1750.60 Crore, Net NPA ₹ 95.39 Crore, Provision coverage 94.55% -~ hudco A NAVRATNA CPSE • ₹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 Ou
Slide 22: H1FY26 highlights: highest ever sanctions and disbursements
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Net Profit Sanctions Disbursements CRAR ₹ 92,985 Cr. Highest Ever Half 38.03% ₹ 1,340.06 Cr. Vs Yearly Vs. Well capitalized for ₹ 76,472 Cr. Disbursement of ₹ 1,246.37 Cr. future growth (21.59% ) ₹25,838 Cr. (7.51% ) Loan Book Operational Asset Qu
Slide 23: Profit and loss statement
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE (₹ in Crore) Particulars Q2 H1 12 MONTHS FY26 FY25 FY26 FY25 FY25 FY24 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) (Audited) Income: - Revenue from Operations 3,219.03 2,517.72 6,156.34 4,706.07 10,311.30 7,784.29 - Other Income 31.99 8.
Slide 24: Key financial ratios
Particulars H1FY26 H1FY25 Financing for Viksit Bharat FY2025 -~ hudco A NAVRATNA CPSE Incl. EBR Excl. EBR Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan Portfolio (₹ Crore) 1,44,554 1,24,554 1,11,068 91,068 1,24,828 1,04,828 Yield on Loan (%) 9.12% 9.17% 9.24% 9.34% 9.50% 9.65% Cost of Funds (%) 7.04%
Slide 25: HUDCO's Transformative Moves: Repositioning Efforts
Financing for Viksit Bharat A NAVRATNA CPSE TRANSFORMATIVE MOVES: HUDCO's REPOSITIONING EFFORTS 0 24
Slide 26: Support platform for ULBs in bankable infrastructure projects
Financing for Viksit Bharat - ~ hudco One-stop End-to-End Support Platform for ULBs in Developing Bankable Infrastructure Projects Capacity building & identification of high-impact projects Feasibility studies & assistance in securing finance through innovative instruments, Multilateral Agenci
Slide 27: Urban Challenge Fund corpus of Rs 1 Lakh Crore
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Total Corpus of ₹ 1 Lakh Crore Drive financial and institutional reforms in ULBs Finance up to 25% of bankable project costs, with at least 50% funded through bonds, bank loans, or PPPs ₹ 10,000 Crore allocated for 2025-26. Promote finan
Slide 28: Lending against private sector projects
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Initiated process to commence lending against Private Sector projects. Board approved Guidelines for funding in the following sectors: srnt~rsmcluom . 211.1S<lu1~ Real Estate Roads Sea Port* Airport Energy Objective: to support efforts in br
Slide 29: Sector Outlook and Opportunities
Financing for Viksit Bharat 28
Slide 30: Infrastructure capex outlook
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE In Rs. Lakh Crore Total i nfrastructure 1.6x Roads 90-100 Centre State Private 59 • Indicates capexfrom FY21-25E • Indicates capexfrom FY26-30P Power Urban infra Centre St:ab3 Pirivaite is is o the pro·scted psriod Pf25-30 54% 41% Source: CRISIL I
Slide 31: HUDCO to play a vital role in infrastructure funding
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 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 & Mo
Slide 32: Financed infrastructure projects
Financing for Viksit Bharat • ~ hUdCO Purvanchal Expressway Project by UPEIDA Cochin International Airport Bangalore Metro Kochi Metro ...-~-· :. ;I' - .JII,...,• Integrated Township, Nalgonda, Telangana - S!i ~ Gii) Multi Modal Corridor Virar to Alibagh, Mumbai Samruddhi Mahamarg Nagpur Mumbai Expr
Slide 33: Financed housing, water and township projects
Financing for Viksit Bharat - ~ hudco A NAVRATNA CPSE New Township Development - Amaravathi Capital APTIDCO Housing Scheme PMAY(U), Andhra Rs.15,150 Cr. under “Jal • ,Jeevan Jal Jeevan Mission Mission (JJM)” (JJM)" & & “AMRUT”, "AMRUT", City Andhra Pradesh: 11,000 Cr. Pradesh: Rs.4,450 Cr. Rajasthan
Slide 34: Financed tunnel, expressway and hospital projects
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Development of Hospital infrastructure, Solapur Maharashtra Nagpur Mumbai Expressway, Maharashtra Charging Stations – Telangana Bengaluru Twin Tunnel Corridor Project Tourism Infrastructure, Rajasthan
Slide 35: MoUs with state governments and agencies
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 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 ₹1 Lakh Cro
Slide 36: Recent events and launches
Financing for Viksit Bharat - ~ hudco A NAVRATNA CPSE 3rd tranche of ECB to secure optimum cost Launch of Hindi Book jointly published by Home Launch of HUDCO 54EC Capital Gain Tax resources Ministry and HUDCO Exemption Bonds iaGM,NGtiNihilMM 11h~t&M,l·li@Eid 4$4 -~ Housing and Urban Development Cor
Slide 37: Awards and recognition
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE 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 1
Slide 38: Thank You
Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Thank You ~ hudca A NAVRATNA CPSE Financing for Viksit Bharat Head Office: HUDCO Bhawan, Core-7-A, India Habitat Centre, Lodhi Road, New Delhi - 110 003 37 31 a www.hudco.org.in @ @hudco ~ @hudcoUmited [@@hudco-limited ► @hudcoltd
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