Housing & Urban Development Corporation Limited

75%

dia – PMAY 2.0, Smart City, AMRUT, Swachh Bharat, Jal Jeevan Mission, etc. ➢ Listed company with 75% ownership of Govt. of India. ➢ A Navratna CPSE registered as NBFC-IFC with Reserve Bank of India.

₹2

Exclusive Urban Infra window 1970-1980 • 1970: Incorporation Under Companies Act • Equity: ₹2 Cr • Funding of rural housing • Design & Development activities 2010-2020 • 2023-24: Public ho

10.19%

Issue of Tax Free Bonds • 2015-16 Credit Rating upgraded to “AAA” • 2017: Public Listing of 10.19% • Consistently got ‘Excellent’ MoU rating to 25%. • 2023-24 - All time high dividend of ₹830.

25%

raded to “AAA” • 2017: Public Listing of 10.19% • Consistently got ‘Excellent’ MoU rating to 25%. • 2023-24 - All time high dividend of ₹830.79 Crore (₹4.15/share ) 2024-25: - Accorded Navrat

₹830.79 Crore

0.19% • Consistently got ‘Excellent’ MoU rating to 25%. • 2023-24 - All time high dividend of ₹830.79 Crore (₹4.15/share ) 2024-25: - Accorded Navratna Status - Registered as NBFC-IFC - Excellent MoU rati

₹4.15

tently got ‘Excellent’ MoU rating to 25%. • 2023-24 - All time high dividend of ₹830.79 Crore (₹4.15/share ) 2024-25: - Accorded Navratna Status - Registered as NBFC-IFC - Excellent MoU rating from

₹2500 Crore

ting from GoI for FY24 2000-2010 • 2000: HUDCO Niwas • 2001: Authorized Capital increased to ₹2500 Crore 2002: Schedule-A • 2004: Miniratna-I 1990-2000 • 1998: Key role in 2MHP • 1999-2000: PM’s aw

2 Million

• 1999-2000: PM’s award for top 10 PSUs • 1996: Public Financial Institution (PFI) 4 2MHP – 2 Million Housing Programme HSMI – Human Settlement Management Institute Navratna Status: Accorded in April,

rs,

ee strength (as on Dec, 2024)- 580 ➢ Executives from diverse background – 498 [Finance, Engineers, Architect, Town Planners, Environmentalist, Legal, HR and IT] ➢ Promoting women empowerment - 31%

31%

s, Architect, Town Planners, Environmentalist, Legal, HR and IT] ➢ Promoting women empowerment - 31% (180) 7 Highest Credit Ratings Rating of AAA for Long Term Debt CARE IRRPL ICRA BBB+ JCRA*

0.72%

ternational Rating at par with Sovereign Rating Shareholders Prospect as on Q3/9MFY25 Corporates, 0.72% Individuals/HUFs, 12.45% FPIs/FIIs, 2.08% Insurance Companies, 7.84% Mutual Fund/AIF, 1.91%

12.45%

with Sovereign Rating Shareholders Prospect as on Q3/9MFY25 Corporates, 0.72% Individuals/HUFs, 12.45% FPIs/FIIs, 2.08% Insurance Companies, 7.84% Mutual Fund/AIF, 1.91% 0.30% Mar'23 9 Presiden

“of Accounts • Provision made – 100% Suit Filed Cases/ DRT • ₹429.75 Crore • Top 10: ₹ 280.12 Crore (65%) • Provision made – 100% • • 4 Long pending NPA A/Cs resolved during FY25 (till date) - ₹ 255.44 Crore Recovery of ₹ 456.05 Cr.”

“Q3 9M FY25 (Reviewed) FY24 (Reviewed) FY25 (Reviewed) FY24 (Reviewed) (₹ in Crore) 12 MONTHS FY24 (Audited) - Revenue from Operations 2.760.23 2,012.66 7,466.30 5,719.07 - Other Income Total Income (1)”

“CRISIL Year Book 2023: nearly ₹ 143 lakh crore will be spent on infrastructure in seven fiscals through 2030, 2.”

“FICCI Report ENVISIONING INDIA 2030 has estimated that around $ 4.5 Trillion worth of investment will be needed for Infrastructure development till 2040 Sector Wise Estimated Capex (₹ in lakh Cr., %) Energy, 39.1, 27% Transport, 7, 5% Other Infra, 15, 11% Urban Infra, 18.9, 13% 4.”

“ICSI has estimated a capex requirement of more than ₹ 700 Lakh Crore to achieve target of Viksit Bharat@ 2047 Railways, 25.6, 18% Roads, 37.3, 26% 5.”

“₹4238.68 Cr: MSPGCL for MSKVY 2.0 aligned with PM- KUSUM Financial assistance of Rs.27000 Crore for construction of 8 Lane Peripheral Ring Road to Bengaluru City MoU with SITCO to utilize the expertise for development of Surat Multi Modal Transport, Gujarat 29 Partnering for viksit bharat 2047 MoU with IIFCL for Infrastructure Co-Financing, Refinancing, Project Management, Consultancy and Capacity Building.”

Highest Credit Ratings

1

Bank Loans

1

A. Highest Ever Achievements

1

B. Significant improvement across all metrics

1

Income

1

Expenses

1

Head Office

1

Highest Credit Ratings

Domestic-AAA International-Sovereign 5 ‘Navratna’ CPSE & NBFC-IFC A Strategic Player in the Housing & Infrastructure Sector Key Role in Various Schemes of Govt. of India - Housing for All, Jal Jeevan Mission etc. Strong Financial Ratios - consistent Profitability Value added services including Training and Consultancy services 360o Partnership for Sustainable Asset Creation FINANCING • Affordable Housing • Infrastructure: ➢ Social Infra- Hospital, Govt. Bldg, Water Supply; ➢ Commercial Infra – Roads, Highways, Urban Mobility, Ports, Energy • Land Acquisition GOI SCHEMES • Counterpart Funding • PMAY- Urban and Rural • Smart City • AMRUT • Swachh Bharat Mission • Jal Jeevan Mission CONSULTANCY Architectural • • Urban & Regional Planning • • • Appraisal & Monitoring Asset Monetization Environmental Studies CAPACITY BUILDING • Training of professionals / In -house employees • Domestic & International Training Programmes • Supports Research in urban sector. 6 Borrowing Partners: Central/Sta

Bank Loans

- Short Term - Mid Term 12,372.38 16,826.00 8.04% 7.01% 13,382.67 10,750.00 7,897.20 22,725.81 7.14% 7.49% 2,782.25 16,564.18 Foreign Currency Loans - FCNR(B) - ECB/ODA Refinance Assistance from NHB/ other FI 12,212.83 5,361.49 3411.37 5.97% 5.54% 7.11% 1,498.32 71.42 670.18 Sub-Total (B) 80,807.09 Grand Total (A+B) 1,00,807.09 7.06% 7.34% 45,719.02 65,719.02 Diversified source of funds 8.09% 6.64% 7.01% 7.52% 5.89% 8.21% 5.03% 7.36% 7.70% 17 Access to multiple sources of funding with a mix of international and domestic sources to meet the business growth Superior liability management – adding to margins 9M 12M (₹ in Crore) Category FY25 Average Cost FY24 Average Cost FY24 Average Cost FY23 Average Cost Taxable Bonds 7,016.00 7.27% 1,500.00 7.48% 1,500.00 7.48% 3,970.00 7.61% Bank / FI Loans - Short Term 7,897.20 7.14% 2,782.25 7.01% 6,654.60 7.32% 1,769.50 6.99% - Medium Term 9,938.00 7.61% 5,476.50 7.54% 9,002.50 7.55% 10,421.50 7.49% - FCNR(B) 9,720.97 5.96% 1,498.32 5.89% 3,990.18

B. Significant improvement across all metrics

Loan Book 5 6 Net Worth 7 8 Market Cap. 9 Return on Equity (%) 10 Return on Assets (%) 11 Gross NPA (%) 12 Net NPA (%) 1,18,931 17,965.59 9.90 46,986.59 14.71 2.45 1.88 0.27 EPS 9MFY24 18,052 7,768 1,416.58 5,719.07 % change - YoY FY24 FY23 % change-YoY (₹ in Crore ) 5x growth 4x growth Up by 40% Up by 30% 24,572 Up by 235% 82,387 8,466 17,987 Up by 112% 2,116.74 1,701.62 Up by 24% 7,784.29 7,049.46 Up by 10.42% 84,424 Growth of 41% 16,247.54 Growth of 11% 7.08 Up by 40% 24,823.56 Around 2 times 11.62 2.26 3.36 0.49 By 3.09% By 0.19% By 1.48% By 0.22%, Best in the industry 92,654 16,614 10.57 37,295 12.74 2.42 2.71% 0.36% 80,743 Growth of 15% 15,445 Growth of 7.60% 8.50 Up by 24% 8,618 By 4.30 times By 1.72% 11.02 2.13 By 0.29 % 3.42% By 0.71% 0.52% By 0.16% 22 Standalone Statement of Profit & Loss Particulars

Income

Q3 9M FY25 (Reviewed) FY24 (Reviewed) FY25 (Reviewed) FY24 (Reviewed) (₹ in Crore) 12 MONTHS FY24 (Audited) - Revenue from Operations 2.760.23 2,012.66 7,466.30 5,719.07 - Other Income Total Income (1)

Expenses

- Finance Cost - Other Cost - Impairment of Financial Instruments Total Expenses (2) PROFIT BEFORE TAX {3= (1-2)} Tax Expense (4) NET PROFIT AFTER TAX {5 = (3-4)} 23 9.91 10.28 27.17 34.99 2,770.14 2,022.94 7,493.47 5,754.06 1,762.83 1,314.21 4,888.68 3,723.26 92.49 (16.84) 71.65 (59.01) 1,838.48 1,326.85 931.66 196.63 735.03 696.09 176.90 519.19 257.07 (268.68) 4,877.07 2,616.40 635.00 240.35 (109.87) 3,853.74 1,900.32 483.74 1,981.40 1,416.58 7,784.29 163.81 7,948.10 4,963.94 348.81 (208.09) 5,104.66 2,843.44 726.70 2,116.74 Key Indicators Particulars 9M2025 9M2024 FY24 Loan Portfolio (₹ Crore) Yield on Loan (%) Cost of Funds (%) Interest Spread (%) Net Interest Margin (%) Incl. EBR 1,18,931 9.43 7.46 1.97 3.19 Excl. EBR Incl. EBR Excl. EBR Incl. EBR Excl. EBR 98,931 84,424 64424 92,654 72,654 9.56 7.16 2.41 3.85 9.36 7.72 1.64 3.20 9.53 7.39 2.14 4.12 9.04 7.25 1.79 3.18 9.09 6.75 2.34 4.04 Particulars 9M2025 9M2024 Interest Coverage Ratio (times) Debt Equity Ratio (times) Return on