Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — FY2026 Earnings Presentation
39 slides from Housing & Urban Development's earnings presentation, May 15, 2026
Slide 1: Cover letter to stock exchanges on investor presentation
HUDCO/List. Comp/SE/2025-26 15 th May, 2026 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 NSE Symbol- HUDCO
Slide 2: Investors Presentation & Performance Highlights FY26
Investors Presentation & Performance Highlights FY26 Fi n a n ci n g Infrastructure for Viksit Bharat
Slide 3: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat A UNIQUE 01 Institution OPERATIONAL 02 Performance FINANCIAL 03 performance 04 Empowering URBAN INDIA Repurposing Efforts 05
Slide 4: A Unique Institution
Financing Infrastructure for Viksit Bharat 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
Slide 5: Inception & Pioneering to Repurposing of HUDCO
Financing Infrastructure for Viksit Bharat 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 award for top 10 • Public Iss
Slide 6: Multisectoral focus and professional pool
Financing Infrastructure for Viksit Bharat Corporate / Registered Office : New Delhi Multisectoral focus through 20 Regional 29% 71% Offices and 11 Development Offices Diverse pool of Professionals Training & Research arm FINANCE - Human Settlement Management Institute Vijayawada ARCHITECTS EN
Slide 7: Key strengths
Financing Infrastructure for Viksit Bharat • 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 Credit Rating
Slide 8: Financing, consultancy and capacity building
Financing Infrastructure for Viksit Bharat 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,
Slide 9: ESG initiatives and ratings
Financing Infrastructure for Viksit Bharat • Sustainable lending* : • Impactful CSR - ₹ 60.06 Cr (FY26) • Independent & Healthy Board ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Experienced Leadership ₹ 45,909 Cr - Sanitation, Sewerage • Workplace Safety & Grievance • 90.4
Slide 10: Credit ratings: Domestic AAA, International Sovereign
Financing Infrastructure for Viksit Bharat Domestic - AAA International - Sovereign Ind AAA (Stable) BBB+ (Stable) BBB- (Stable) AAA (Stable) AAA (Stable) Baa3 (Stable) • Stronger Lending Capacity • Global Financial Credibility • Trusted by Borrowers • Low-Risk Profile 9
Slide 11: Top 10 Shareholders and dividend payout
Financing Infrastructure for Viksit Bharat Corporates, Top 10 Shareholders 0.58% Individuals/HUFs, Name Shareholding % 11.17% Govt. of India, Government of India 75.00 FPIs/FIIs, 2.22% 75.00% Insurance Life Insurance Corporation of India 7.39 Companies, 8.47% ICICI Prudential Life Insurance Company
Slide 12: Market Capitalisation, EPS and Book Value
Financing Infrastructure for Viksit Bharat (₹ Crore) 48,000 Market Capitalisation 44,084 39,928 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 13-May-26 Earning Per Share Book Value Per ₹ 20.15 Share ₹ 109.78 11
Slide 13: Growth Trajectory
Financing Infrastructure for Viksit Bharat Growth Trajectory Category wise Category wise Loan Portfolio Sanctions Disbursements 12
Slide 14: Targeting Zero Net NPA
Financing Infrastructure for Viksit Bharat Operational Improvements Optimising Cost of Funds Pristine Asset Quality Initiatives: Initiatives: Initiatives: •Policy & procedural reforms •Diversified borrowings •OTS policy revision •PPP-based lending & BD Cell (ECB, 54EC, ESG Loan, External •Centralised
Slide 15: Impactful CSR, People and Repurposing Initiatives
Financing Infrastructure for Viksit Bharat Impactful & Inclusive CSR Transforming thru People Repurposing Initiatives Initiatives: Initiatives: Initiatives: • Updated policy with •Succession planning •UiWIN improved checks •Recruitment (150 in last 2 •Asset Monetisation • Disbursement focused years)
Slide 16: Loan sanctions, disbursements, outstanding and interest income
Financing Infrastructure for Viksit Bharat LOAN SANCTIONS (₹ in Crores) LOAN DISBURSEMENT(₹ in Crores) 2,00,000 60,000 (29% ) 1,64,758 YoY 51,194 YoY 50,000 (28% ) 1,60,000 (55% ) 1,27,952 (122% ) 40,038 40,000 1,20,000 30,000 (235% ) 82,387 80,000 17,987 20,000 (112% ) 40,000 8,466 24,572 10,000 0
Slide 17: Loan book by sector and borrower
Financing Infrastructure for Viksit Bharat 100.00% 3.07% 2.50% 1.53% 1.10% 46.96% 38.85% 26.16% 100.00% 54.20% 75.00% 75.00% 50.00% 50.00% 96.93% 97.50% 98.47% 98.90% 73.84% 61.15% 25.00% 45.80% 53.04% 25.00% 0.00% 0.00% FY23 FY24 FY25 FY26 URBAN INFRASTRUCTURE AFFORDABLE HOUSING FY23 FY24 FY25 FY26
Slide 18: Borrowing Profile, Asset Quality, Key Financial Highlights
Financing Infrastructure for Viksit Bharat BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS 17
Slide 19: Resources raised in FY26
Financing Infrastructure for Viksit Bharat (₹ in Crore) Q4 12M Category Average Average Average Average FY26 FY25 FY26 FY25 Cost Cost Cost Cost Taxable Bonds - - 7,752.50 7.29% 10,396.12 6.79% 14,768.50 7.28% Bank / FI Loans - Short Term 2,503.72 6.36% 4,555.68 7.21% 2,503.72 6.36% 4,555.68 7.21% -
Slide 20: Borrowing profile FY26
Financing Infrastructure for Viksit Bharat (₹ in Crore) Particulars FY26 FY25 A. GoI fully Serviced Bonds 20,000.00 20,000.00 B. Others Tax Free Bonds 10,684.70 12,372.38 Taxable Bonds* 30,174.63 23,578.50 Bank Loans - Short Term 2,503.72 4,555.68 - Mid Term 59,967.51 39,418.12 Foreign Currency Loan
Slide 21: Borrowing strategy and cost of borrowings
Financing Infrastructure for Viksit Bharat Judicious mix of borrowings through various sources, both Domestic and International, based on ALM profile. Cost of Borrowings 8.00% Strategic increase in domestic borrowings to capitalize on the prevailing low-interest rate regime. Overall Incremental
Slide 22: Asset quality: Gross and Net NPA, provision coverage
Financing Infrastructure for Viksit Bharat 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 1.04% 1.00% 0.52% 0.36% 0.25% - in line with best market practices 0.05% 0.00% Loans to Govt. & its age
Slide 23: NPA composition: consortium and non-consortium projects
Financing Infrastructure for Viksit Bharat Gross NPA ₹ 1,673.84 Crore, Net NPA ₹ 85.35 Crore, Provision coverage 94.90% • ₹1,060.37 Crore Consortium Under NCLT Consortium Projects Resolution • 04 No. of Accounts • Provision made – 100% • ₹1,095.35 Crore • ₹34.98 Crore • 07 No. of Accounts Outside NC
Slide 24: Highest Ever Disbursement of ₹51,194.21 Cr
Financing Infrastructure for Viksit Bharat Net Profit Sanctions Disbursements CRAR ₹ 4,034.37 Cr. ₹ 1,64,757.79 Cr. Highest Ever 39.93% Vs. Vs Disbursement of Well capitalized for ₹ 2,709.14 Cr. ₹ 1,27,852 Cr. ₹51,194.21Cr. future growth (48.92% ) (28.89% ) Operational Asset Quality Provision Covera
Slide 25: Profit and loss statement
Financing Infrastructure for Viksit Bharat (₹ in Crore) Particulars Q4 12 MONTHS FY26 FY25 FY26 FY25 (Reviewed) (Reviewed) (Audited) (Audited) Income: - Revenue from Operations 3,562.86 2,844.99 13,150.40 10,311.29 - Other Income 62.21 9.92 176.73 37.09 Total Income (1) 3,625.07 2,854.91 13,327.13 1
Slide 26: Key financial ratios
Financing Infrastructure for Viksit Bharat Particulars FY2026 FY2025 Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan Portfolio (₹ Crore) 1,60,724 1,40,724 1,24,828 1,04,828 Yield on Loan (%) 9.13% 9.18% 9.50% 9.65% Cost of Funds (%) 7.17% 6.93% 7.44% 7.15% Interest Spread (%) 1.96% 2.25% 2.06% 2.49% Ne
Slide 27: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat 26
Slide 28: Opportunity: ₹3.0 Lakh crore over next 5 years
Financing Infrastructure for Viksit Bharat 1. : Mission Outlay over 5 years (FY 26 to FY 31) Blended Financing Model Cities as Growth Hubs Central Assistance Creative • Limited to 25% of the cost of bankable projects Thematic Redevelopment of Cities Market-Based Finance Areas • Minimum 50% of th
Slide 29: City Economic Regions (CERs) and HUDCO's role
Financing Infrastructure for Viksit Bharat What are CERs? Key Components HUDCO’s Role in CER Announced in Union Budget 2026–27 Focus on Tier II and Tier III cities, incl. Urban Infrastructure Development Financing integrated urban temple-towns Mass Transit infrastructure projects ₹5,000 crore
Slide 30: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat 29
Slide 31: Urban Invest Window (UiWIN)
Financing Infrastructure for Viksit Bharat To Supplement GoI’s recently launched Urban Challenge Fund (UCF), HUDCO has launched Urban Invest Window (UiWIN) A dedicated platform to handhold Urban Local Bodies (ULBs) creating UCF ready bankable urban infra projects 2x investments in next 5 years
Slide 32: PPP lending and bridge funding initiatives
Financing Infrastructure for Viksit Bharat Objective: support private sector in creation of Bankable Infrastructure Projects Initiated process to commence lending against PPP projects. Board approved Guidelines for funding in the following sectors: Real Estate Roads Sea Port Airport Energy O
Slide 33: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat
Slide 34: MoUs with states and agencies
Financing Infrastructure for Viksit Bharat 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 Lakh Crore Infrastructure projects ₹1 Lakh Crore MoUs to Boost India’s ₹ 1 Lakh Crore MoU signed with
Slide 35: Key events and launches
Financing Infrastructure for Viksit Bharat 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 MoU signing with NBCC to jointly develop HUDCO’s Launch of Private Sector Funding in
Slide 36: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat 35
Slide 37: Financing Infrastructure for Viksit Bharat
Financing Infrastructure for Viksit Bharat 36
Slide 38: Awards and recognition
Financing Infrastructure for Viksit Bharat 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 Awards: Best Awards:
Slide 39: 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 38 31
Housing & Urban Development — FY2026 Earnings Presentation on 6ix