Housing & Urban Development Corporation Limited
3,125words
8turns
0analyst exchanges
0executives
Key numbers — 40 extracted
75%
rs
1990
₹2500 Crore
₹2 Crore
25%
₹830.79 Crore
₹4.15
10.19%
rs,
31%
0.69%
12.16%
Guidance — 4 items
Highest Credit Ratings
opening
“17 Borrowing profile Particulars FY25 Avg Cost of Borrowings FY24 (₹ in Crore) Avg Cost of Borrowings Financing Infrastructure Beyond Housing Refinancing, 0.27% 20,000.00 8.47% 20,000.00 8.47% A.”
Bank Loans
opening
“PROVISION COVERAGE RATIO REFLECTS THE RATIO OF PROVISION CREATED AGANST NPA LOANS 90% 88% 86% 84% 82% 80% 20 86.20% 85.24% 86.87% 85.44% FY22 FY23 FY24 FY25 ◼ Robust appraisal and monitoring mechanism ◼ Periodic review of policies and procedures - in line with best market practices ◼ Loans to Govt.”
Bank Loans
opening
“of Accounts • Provision made – 100% Suit Filed Cases/ DRT • ₹427.16 Crore • Top 10: ₹ 280.12 Crore (65.58%) • Provision made – 100% • • 6 Long pending NPA A/Cs resolved during FY25 - ₹358.02 Crore Recovery of ₹659.54 Cr.”
Bank Loans
opening
“Agencies 21 Key Financial Highlights Financing Infrastructure Beyond Housing FY25 Particulars”
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Opening remarks
Highest Credit Ratings
Domestic-AAA International-Sovereign 6 ‘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 Financing Infrastructure Beyond Housing 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 s
Bank Loans
- Short Term - Mid Term 12,372.38 23,578.50 8.04% 7.16% 12,372.38 9,810.00 4,555.68 23,854.78 7.21% 7.32% 6,654.56 19,756.55 Foreign Currency Loans - FCNR(B) - ECB/ODA Refinance Assistance from NHB/ other FI 15,563.34 7,063.59 292.33 6.06% 5.73% 5.18% 3,990.18 894.03 554.52 8.04% 6.81% 7.32% 7.55% 5.96% 5.49% 5.06% Diversified source of funds Sub-Total (B) 87,280.61 Grand Total (A+B) 1,07,280.61 7.01% 7.29% 54,032.22 74,032.22 7.33% 7.63% 18 Access to multiple sources of funding with a mix of international and domestic sources to meet the business growth 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 International market - ECB borrowings of ¥ 124 Billion (₹ 7,006.72 Crore) for tenor of 5 years @ 5.73%. 7.90% 7.70% 7.63% Overall Incremental ➢ Contin
Significant improvement across all metrics
Loan Book Net Worth EPS Market Cap. 1,27,952 40,038 2,709.14 10,311.30 1,24,828 17,970 13.53 39,928 Return on Equity (%) Return on Assets (%) Gross NPA (%) Net NPA (%) 15.08 2.44 1.67% 0.25% HIGHEST EVER FY24 % change-YoY (₹ in Crore ) 82,387 17,987 2,116.74 7,784.29 Up by 55.31% Up by 122.59% Up by 27.98% Up by 32.46% 92,654 16,614 10.57 37,486 12.74 2.42 2.71% 0.36% Growth of 34.72% Growth of 8.16% Up by 28% Growth – over 4.5 times since Mar’23 Up By 18.37% Up By 0.83 % Significant Improvement Best in the Industry A. 1 2 3 4 B. 5 6 7 8 9 10 11 12 22 Standalone Statement of Profit & Loss Financing Infrastructure Beyond Housing Particulars
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 Q4 12 MONTHS FY25 (Audited) FY24 (Audited) FY25 (Audited) FY24 (Audited) (₹ in Crore) 2845.00 9.92 2854.92 1861.43 115.04 (141.82) 1834.65 1020.27 292.52 727.75 2065.22 128.82 2194.04 1240.68 108.46 (98.22) 1250.92 943.12 242.96 700.16 10311.30 37.09 10348.39 6750.11 372.11 (410.50) 6711.72 3636.67 927.52 2709.15 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 FY2025 FY2024 Financing Infrastructure Beyond Housing Loan Portfolio (₹ Crore) Yield on Loan (%) Cost of Funds (%) Interest Spread (%) Net Interest Margin (%) Particulars Interest Coverage Ratio (times) Debt Equity Ratio (times) Return on Assets (%) (Annualized) Return on Equity (%) (Annualized) Net Worth (₹ Crore) Average Net Worth (₹ Crore) Book Value in ₹ per Share of ₹ 10 Earning per Share (EPS) in ₹
Purpose
• ‘Cities as Growth Hubs’ • Orderly development of peri-urban areas through Monitoring economic and transit planning; • Creative brownfield redevelopment of existing cities; • Water supply, sewage treatment and solid waste management projects and services for 100 large cities Initial Screening ➢ Consultancy ➢ Capacity Building ➢ Bidding DPR Preparation Fund Management : Central , State, Debt from Banks./ FIs 27 HUDCO is focused to play critical role in implementation and operationalization of UCF. Hudco - a corner stone of india’s infrastructure growth Financing Infrastructure Beyond Housing MoU with MMRDA for financial assistance of ₹1.5 Lakh Crore over the next 5 years ₹ 1 Lakh Crores MoU with Rajasthan for Housing & Infrastructure projects ₹11,000 Cr loan agreement with CRDA for construction of new state capital ₹4238.68 Cr: MSPGCL for MSKVY 2.0 aligned with PM- KUSUM Financial assistance of ₹27000 Crore for construction of 8 Lane Peripheral Ring Road to Bengaluru City ₹10,000 crore
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