Housing & Urban Development Corporation Limited

75%

ndia – 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.

rs 2000

in mitigating funding gap for infrastructure development • Expand horizon thru focus on infra sectors 2000-2010 • 2000: HUDCO Niwas • 2001: Authorized Capital increased to ₹2500 Crore • 2002: Schedule-A

₹2500 Crore

thru focus on infra sectors 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 a

25%

Financing Infrastructure Beyond Housing 2020- till date • 2023-24: Public holding increased to 25%. 2024-25: - Accorded Navratna Status - Registered as NBFC-IFC - Excellent MoU rating FY24 - All ti

₹830.79 Crore

ed Navratna Status - Registered as NBFC-IFC - Excellent MoU rating FY24 - All time high dividend of ₹830.79 Crore (₹4.15/share) 2025-26: - 54EC Capital gain Tax Exemption Bonds - Zero Coupon Bonds 2010-2020

₹4.15

s - Registered as NBFC-IFC - Excellent MoU rating FY24 - All time high dividend of ₹830.79 Crore (₹4.15/share) 2025-26: - 54EC Capital gain Tax Exemption Bonds - Zero Coupon Bonds 2010-2020 • Publ

10.19%

c Issue of Tax Free Bonds • 2015-16 Credit Rating upgraded to “AAA” • 2017: Public Listing of 10.19% • Consistent ‘Excellent’ MoU rating 1970-1980 • 1970: HUDCO incorporated as Development Insti

₹2 Crore

1980 • 1970: HUDCO incorporated as Development Institution • 1st HFC in Public Sector • Equity of ₹2 Crore 4 Navratna Status: Accorded in April, 2024 • 2nd highest recognition for PSUs in India Navratna

RS 30

iverse pool of Professionals FINANCE ARCHITECTS ENGINEERS ECONOMIST HR & IT LEGAL TOWN PLANNERS 30% 70% 5 (Enabling - Business Diversification, Enhanced Brand Recognition, Robust partnership with

70%

ol of Professionals FINANCE ARCHITECTS ENGINEERS ECONOMIST HR & IT LEGAL TOWN PLANNERS 30% 70% 5 (Enabling - Business Diversification, Enhanced Brand Recognition, Robust partnership with State

₹ 13,555

Housing Environmental Responsibility Social Impact Corporate Governance • Sustainable lending - ₹ 13,555 Cr towards RE & Net ZERO • Low environmental impact of operation • Disposal of e-waste thru aut

₹ 52.72

Paperless Solutions • Gradual conversion of conventional office fleets to EVs • Impactful CSR - ₹ 52.72 Cr spent (FY25) • Support to social infra • Employee Safety, Pay Equity & Grievance Redressal

“cost of Short Term Borrowings 18 Financing Infrastructure Beyond Housing Best in the Industry  Robust appraisal and monitoring 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 3.42% 0.52% 2.71% 0.36% 1.67% 0.25% 1.34% 0.09% FY23 FY24 FY25 Q1FY26 Gross NPA Net NPA Adequate Provision Coverage Ratio (%)1 1.”

“PROVISION COVERAGE RATIO REFLECTS THE RATIO OF PROVISION CREATED AGANST NPA LOANS 100% 96% 92% 88% 84% 80% 19 85.24% 86.87% 85.44% 93.49% FY23 FY24 FY25 Q1FY26 mechanism  Periodic review of policies and procedures - in line with best market practices  Loans to Govt.”

“(29% ) HIGHEST EVER HIGHEST EVER QUARTERLY QUARTERLY 21 CRAR 41.72% Well capitalized for future growth Provision Coverage Ratio 93.49% Strong Risk Protection Financing Infrastructure Beyond Housing Q1 12 MONTHS FY26 (Audited) FY25 (Audited) FY25 (Audited) FY24 (Audited) (₹ in Crore) Particulars”

Highest Credit Ratings

1

Income

1

Expenses

1

Purpose

1

Fund Mgmt

1

Head Office

1

Highest Credit Ratings

Domestic-AAA International-Sovereign One Stop Solution Provider Financing Consultancy & Capacity Building 6 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 Financing Infrastructure Beyond Housing 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. 7 Borrowing Partners: Central/State Govts., State Public Agencies, ULBs and Specialized Entities Financing Infrastructure Beyond Housing Environmental Responsibility Social Impact Corporate Governance • Sustainable lending - ₹ 13,555 Cr towards RE & Net ZERO • L

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)} 22 8.16 8.84 37.09 2945.47 2,197.19 10,348.38 1,978.26 212.93 (102.95) 2,088.24 857.23 227.00 630.23 1,463.83 67.35 (18.69) 1,512.49 684.70 126.95 557.75 6,750.11 372.11 (410.50) 6,711.72 3,636.66 927.52 2709.14 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 Financing Infrastructure Beyond Housing Particulars Q1FY26 Q1FY25 FY2025 Loan Portfolio (₹ Crore) Yield on Loan (%) Cost of Funds (%) Interest Spread (%) Net Interest Margin (%) Incl. EBR 1,34,410 Excl. EBR 1,14,410 Incl. EBR 1,03,815 9.08% 7.07% 2.01% 2.94% 9.11% 6.76% 2.35% 3.40% 9.06% 7.36% 1.70% 3.00% 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 Sh

Purpose

• ‘Cities as Growth Hubs’ • Orderly development of peri-urban areas through 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 Financing Infrastructure Beyond Housing Initial Screening DPR Preparation Monitoring

Fund Mgmt

Central , State, Debt from Banks/ FIs 27 HUDCO is focused to play critical role in implementation and operationalization of UCF. Financing Infrastructure Beyond Housing MoU with MMRDA for financial assistance of ₹1.5 Lakh Crore over the next 5 years MoU with MP Govt. for financial assistance of ₹1 Lakh Crore over the next 5 years ₹ 1 Lakh Crores MoU with Rajasthan for Housing & Infrastructure projects 3rd tranche of ECB to secure optimum cost resources ₹11,000 Cr loan agreement with CRDA for construction of new state capital Launch of HUDCO 54EC Capital Gain Tax Exemption Bonds 28 17th BML Munjal Award for Business Excellence ETNOW Infra Focus Awards 2024: Infrastructure Sector (Housing) Governance Now 11th PSU Awards: PSU & CSR Leadership Financing Infrastructure Beyond Housing PSE Excellence Award 2025 for Enterprise Application Governance Now-10th PSU IT Award: Excellence in Software Development Asset Triple A Awards: Best sustainability loan (ESG) in South Asia WCDM Award 2024: ‘Go