Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — Q1 FY27 Earnings Presentation
37 slides from Housing & Urban Development's earnings presentation, Jul 27, 2026
Slide 1: Cover letter to stock exchanges: investor presentation Q1 FY27
-~ lludco A NAllll&TN& CPSI! HUDCO/List. Comp./SE/2026 27th July, 2026 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 – 400
Slide 2: Investors Presentation & Performance Highlights Q1FY27
A NAVRATNA CPSE Financing Infrastructure for Viksit Bharat Investors Presentation & Performance Highlights Q1FY27 • Ii-' ... U i WIN
Slide 3: Table of Contents
Financing Infrastructure for Viksit Bharat • ~ hudco G· - - - -- -0 HUDCO -A Unique Institution TABLE OF 0 IIII ~ ----- -0 OPERATIONAL Performance co E T I, ----- -0 FINANCIAL Performance G ~., ----- -0 RE purposing Efforts .,, ------0 Partnership with STATES Building India ' s Infrastructure Story
Slide 4: Sector Agnostic Partner in Nation Building
SECTOR AGNOSTIC PARTNER IN NATION BUILDING - Financing Infrastructure for Viksit Bharat •~ hudco 01 I 55+ YEARS OF EXPERTISE 02 I INTEGRATED SERVICES 03 e STRONG STATE I PARTNERSHIPS 04 1 PARTNER IN NATIONAL DEVELOPMENT MISSIONS More than five decades A Public Financial Institution Multi sectoral fo
Slide 5: Inception & Elevated Mandate - Enhanced Market Standing
INCEPTION & ELEVATED MANDATE- ENHANCED MARKET Financing Infrastructure for Viksit Bharat REPURPOSING OF • ~ hudco PIONEERING GOVT. RECOGNITION STANDING HUDCO • 1970: Incorporated as • Key role in 2MHP • Credit Rating : “AAA” • Launch of ~ Urban Invest Development Institution • To address India's hou
Slide 6: Stronger Team, Stronger Impact
Financing Infrastructure for Viksit Bharat e Corporate Office • ~ hudco STRONGER TEAM. ■ Regional Office & Development Office DIVERSE TEAM . STRONGER IMPACT. • HSMI STRONGER TOGETHER . () Corporate / Registered • Office : New Delhi • • • e Multisectoral focus through 20 Regional Offices and 11 Devel
Slide 7: Pan-India Presence, Strong Relationships with States
Financing Infrastructure for Viksit Bharat • ~ hudco • Pan-India Presence Key Role in Govt. of India • Strong Relationships Programs/ Missions with States [_ _ _ _] Strong Asset Quality • Lowest NPA • High Prov. Coverage Ratio [_ _ _ _] • Strong Financial Ratios • Consistent Profitability One Stop S
Slide 8: Financing, Consultancy and Capacity Building
FINANCING Financing Infrastructure for Viksit Bharat • ~ hudco 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: Environment, Social, Governance and Green Portfolio
ENVIRONMENT SOCIAL Financing Infrastructure for Viksit Bharat GOVERNANCE •~ hudco HUDCO'SGREEN PORTFOLIO Empowering Communities o r .~ o " LOAN OUTSTANDING (f Cr.) 16,507.94 ❖ Affordable Hsg Lending: "42,445 Cr .11, - - M ld j u7fiN /t milIA INVESTMENT READI' S1RONG URBAN ~----~ ~ 7 2,390.00 VIKSITC
Slide 10: Sector Sanctions, Key Impact and ESG Ratings
SECTOR SANCTION Q1 (f Cr.) Financing Infrastructure for Viksit Bharat KEY IMPACT • ~ hudco • 32+ ULBs AMRUT 2.0 • 1,92,239 household sewer connections (Sewer and Water 1,638.16 • 1,593.49 km sewer network Supply Development) • 92 .12 MLD STP capacity SBM (Urban) 2.0 • Solid waste management, constru
Slide 11: Domestic and International Credit Ratings
Financing Infrastructure for Viksit Bharat • ~ hudco DOMESTIC RATINGS ~ ICRA ct~~ Ratings Japan Credit Rating Agency. Ltd. Fitch Ratings AAA AAA BBB+ BBB- Stable Stable Stable stable India Ratings Acuite &Research AAT ING S & R.ES £A A:Ck MOODY'S AAA AAA Baa3 Stable Stable* Stable e •Only for Perpet
Slide 12: Top Shareholders and Dividend Payout
Financing Infrastructure for Viksit Bharat Top 10 Shareholders • ~ hudco 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 Mutual Fund - HSBC Value Fund 0
Slide 13: Market Capitalisation
Housing and Urban Development Corporation Limited (HUDCO.NS) * 48,000 Financing Infrastructure for Viksit Bharat Market Capitalisation • ~ hudco (₹ Crore) 198.50 +2.96 (+1.51%) 39,928 41,043 As of 12:26:45 PM GMT+5:30. Market Open. 40,000 37,486 300.00 31,946 32,000 200.00 -- - 24,000 100.00 16,000
Slide 14: Growth Trajectory and Loan Portfolio
Financing Infrastructure for Viksit Bharat • ~ hudco Growth Trajectory Sustained Growth across key operational all metrics Loan Portfolio Robust & Diverse Loan Portfolio
Slide 15: Loan Sanctions, Disbursements, Outstanding and Interest Income
LOAN SANCTIONS (₹ in Crores) Financing Infrastructure for Viksit Bharat LOAN DISBURSEMENT(₹ in Crores) • ~ hudco 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 FY24 FY25 FY26 Q1FY26
Slide 16: Loan Portfolio by Sector and Borrower
100.00% 26.16% 2.50% Financing Infrastructure for Viksit Bharat 1.53% 1.10% 1.02% • ~ hudco 38.85% 100.00% 46.96% 25.29% 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 FY2
Slide 17: Borrowing Profile, Asset Quality, Key Financial Highlights
Financing Infrastructure for Viksit Bharat •~ hudco A NAVRATNA c~s• BORROWING PROFILE ASSET QUALITY KEY FINANCIAL HIGHLIGHTS
Slide 18: Borrowings Raised in Q1 FY27
Financing Infrastructure for Viksit Bharat (₹ in Crore) • ~ hudco 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 3,575.50 7.00% 11,992.11 6.24% 2,503.72 6
Slide 19: Borrowing Profile and Mix
BORROWI NG PROFILE (tin Crore) - -• Financing Infrastructure for Viksit Bharat BORROWING MIX (Q1 FY27) • ~ hudco Particulars iCff F'ii~ Q1 FY26 - A. Gol fully Serviced Bonds 20,000 .00 20,000.00 ft BANKLOANS BONDS B. Others Tax Free Bonds Taxable Bonds* Bank Loans 10,684.70 30,382.74 12,372.38 26,65
Slide 20: Borrowing Strategy and Overall Cost of Borrowings
Financing Infrastructure for Viksit Bharat • ~ hudco 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 of 5 years @ sub 6%.
Slide 21: Asset Quality: Gross and Net NPA, Provision Coverage
Financing Infrastructure for Viksit Bharat • ~ hudco 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 practices 0.50% 0.053% Loans to Govt. &
Slide 22: NPA Composition
Financing Infrastructure for Viksit Bharat Gross NPA ₹ 1,668.86 Crore, Net NPA ₹ 82.43 Crore, Provision coverage 95.06% • ~ hudco • ₹1,060.37 Crore (63.54%) Consortium Under NCLT Consortium Projects Resolution • 04 No. of Accounts • Provision made – 100% • ₹1,095.35 Crore • ₹34.98 Crore (2.10%) • 07
Slide 23: Q1 FY27 Key Highlights
Financing Infrastructure for Viksit Bharat FY26) • ~ hudco 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. Operational Asset Quality Provisio
Slide 24: Statement of Profit and Loss
Financing Infrastructure for Viksit Bharat (₹ in Crore) • ~ hudco 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 Income (1) 3,737.49 2,945.47 1
Slide 25: Key Financial Ratios
Particulars Q1FY27 Q1FY26 Financing Infrastructure for Viksit Bharat FY2026 • ~ hudco 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 (%) 6.9
Slide 26: Financing Infrastructure for Viksit Bharat D
Financing Infrastructure for Viksit Bharat • ~ hudco - D 0 7)
Slide 27: Urban Challenge Fund and City Economic Regions
MAJOR PUSH FOR INFRA CREATION Financing Infrastructure for Viksit Bharat • ~ hudco URBAN CHALLENGE FUND CITY ECONOMIC REGIONS (CERs): • TRANSFORMING URBAN INDIA • Grant-based, market-linked and outcome-oriented Integrated regional approach for balanced and inclusive urban growth - financing for sust
Slide 28: Repurposing Efforts
Financing Infrastructure for Viksit Bharat PURPOSING ~ SUSTAINABLE EFFORTS - - - - -- - - • - -- -- -- - (~ STRATEGIC PARTNERSHIPS GROWTH & GREATER IMPACT Repurposing our strengths to build a stronger, sustainable and future-ready India in align with Government of India OPTIMIZING initiatives for th
Slide 29: Readiness, Project Formulation and Financial Closure
Financing Infrastructure for Viksit Bharat 2047 Dedicated technical assistance and investment facilitation platform - To support the implementation of • ~ hudco the Government of India's Urban Challenge Fund (UCF), ••••••• • • Readiness 01 • • • Project Formulation 02 Financial Closure 03 • • Asset
Slide 30: Partnerships with States and Institutions
- - - - - - - - G - - Financing Infrastructure for Viksit Bharat 2047 - - -- - - - •~ hudco e 0 0 Andh r a Pradesh Te la ngana 0 0 Puduc herry Odisha • Capacity Building Workshops 0 G ujarat 0 Rajastha n 0 H imacha l Pradesh 0 Bihar -·~ A PACI T Y 1Hi ~22!N \\'ORKsHOp 1..-n..,,°"'=!Mp ►•-- l'K~:.~1.
Slide 31: PPP Project Finance Division and Bridge Loan
2. LAUNCH OF PPP PROJECT FINANCE DIVISION Financing Infrastructure for Viksit Bharat • ~ hudco @ Objective: support private sector in creation of Bankable Infrastructure Projects (J, Initiated process to commence lending against PPP projects. !ti\ ~~ Board approved Guidelines for funding in the foll
Slide 32: Partnering with States to Build the Infrastructure of Viksit Bharat 2047
HUDCO Financing Infrastructure for Viksit Bharat • ~ hudco Partnering with States to Build the ras u a e - - - - - of Viksit Bharat 2047 - - - - ENABLING BUILDING FUTURE STATE GROWTH READY INFRASTRUCTURE DRIVING SUSTAINABLE STRONGER AND INCLUSIVE PARTNERSHIPS DEVELOPMENT
Slide 33: MoU of ₹1 Lakh Crore for Viksit Gujarat Vision
₹1 Lakh Crore MoU for Viksit Gujrat Vision Financing Infrastructure for Viksit Bharat ₹1 Lakh Crore MoU for Urban Infrastructure Projects • ~ hudco PSE Excellence Award 2025 for Enterprise Application ETNOW Infra Focus Awards 2024: GRIHA Award for Infrastructure Sector (Housing) Consultancy Key Thru
Slide 34: MoU of ₹1 Lakh Crore: Central Growth Corridor
₹1 Lakh Crore MoU: Strengthening India's Central Growth Corridor 17BML Munjal Award for Business Excellence Financing Infrastructure for Viksit Bharat ₹1 Lakh Crore MoU: Financing Next Generation Infrastructure • ~ hudco PSE Excellence Award 2025 for Enterprise Application ETNOW Infra Focus Awards 2
Slide 35: ₹1.50 Lakh Crore MoU to Transform Mumbai's Infrastructure
MoU of ₹1 Lakh Crore Catalysing Urban Transformation Financing Infrastructure for Viksit Bharat ₹1.50 Lakh Crore MoU to Transform Mumbai's Infrastructure •~ hudco A NAVRATNA c~s• PSE Excellence Award 2025 for Enterprise Application ETNOW Infra Focus Awards 2024: GRIHA Award for Infrastructure Sector
Slide 36: Awards and Recognition
Financing Infrastructure for Viksit Bharat • ~ hudco 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: Be
Slide 37: Thank You
Financing Infrastructure for Viksit Bharat • ~ hudco Thank You -~ hudca A NAVRATNA CPSE Financing Infrastructure for Viksit Bharat Head Office: HUDCO Bhawan, Core-7-A, India Habitat Centre, Lodhi Road, New Delhi - 110 003 31 nwww.hudco.org.in @@hudco ~@hudcoUmited ~@hudco-limited ► @hudcoltd
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