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.

₹2,500

ing : “AAA” • Public Iss.: Tax Free Bonds • IPO, Listing MINIRATNA ACCREDITATION • Auth. Capital-₹2,500 Cr • 2002: Schedule-A • 2004: Miniratna-I 2020 onwards BREAKTHROUGH & WEALTH CREATION • Navrat

30%

ute (HSMI) at New Delhi  Employee strength (as on Sep, 2025)- 596 q • lAKSHADWE.EP GALANO 30% 70% Diverse pool of Professionals Diverse pool o Professionals FINANCE Vijayawada ARCHITECTS

70%

(HSMI) at New Delhi  Employee strength (as on Sep, 2025)- 596 q • lAKSHADWE.EP GALANO 30% 70% Diverse pool of Professionals Diverse pool o Professionals FINANCE Vijayawada ARCHITECTS ENGI

RS 0

INEERS .• l 0 Port Blair ANDAMAN & NICOBAR ISLANDS ECONOMIST HR & IT LEGAL TOWN PLANNERS 0 5 (Enabling - Business Diversification, Enhanced Brand Recognition, Robust partnership with State G

₹ 15,000

ng for Viksit Bharat E IENVIRC>N"-"ENTAL s SOSIAL GOVERNAN~CE • Sustainable lending around ₹ 15,000 Cr towards RE & Net ZERO • Support to Sanitation Infra-Drainage, Sewerage etc. • Low environme

₹ 52.72

erless Solutions • Gradual conversion of conventional office fleets to Evs • Impactful CSR - ₹ 52.72 Cr spent (FY25) • Affordable Housing Finance • Employee Safety, Pay Equity & Grievance Redressal

12.50%

ople with Disability • Independent and Healthy Board Structure • Women representation in Board: 12.50% • Data Privacy & Cyber Security • Board approved ESG Policy • Experienced Leadership • 70.85% Empl

70.85%

ard: 12.50% • Data Privacy & Cyber Security • Board approved ESG Policy • Experienced Leadership • 70.85% Employee Training Coverage • Stakeholder engagement • Transparent & IT driven operations ESG Rati

0.61%

ility • Low-Risk Profile Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Corporates, 0.61% Individuals/HUFs, 11.53% FPIs/FIIs, 1.94% Insurance Companies, 8.52% Mutual Fund/AIF, 2.40%

11.53%

Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE Corporates, 0.61% Individuals/HUFs, 11.53% FPIs/FIIs, 1.94% Insurance Companies, 8.52% Mutual Fund/AIF, 2.40% Govt. of India, 75.00%

1.94%

it Bharat -~ hudco A NAVRATNA CPSE Corporates, 0.61% Individuals/HUFs, 11.53% FPIs/FIIs, 1.94% Insurance Companies, 8.52% Mutual Fund/AIF, 2.40% Govt. of India, 75.00% (₹ Crore) Dividen

“of India, 75.00% (₹ Crore) Dividend Payout Ratio (%) 41.50% 38.50% (770.73) (830.79) 35.00% (700.66) 41.50% (830.79) 21.75% (435.41) 21.50% Interim Dividend (₹2.15 per share) declared upto H1FY26 FY21 FY22 FY23 FY24 FY25 50% 40% 30% 20% 0 10 Top 10 Shareholders T Name Shareholding % Govt.”

“PROVISION COVERAGE RATIO REFLECTS THE RATIO OF PROVISION CREATED AGANST NPA LOANS 100% 85.24% 86.87% 85.44% 94.55% FY23 FY24 FY25 H1FY26 96% 92% 88% 84% 80% 0 19 Financing for Viksit Bharat -~ hudco A NAVRATNA CPSE  Robust appraisal and monitoring mechanism  Periodic review of policies and procedures - in line with best market practices  Loans to Govt.”

“Q2 H1 12 MONTHS FY26 (Reviewed) FY25 (Reviewed) FY26 (Reviewed) FY25 (Reviewed) FY25 (Audited) FY24 (Audited) (₹ in Crore) - Revenue from Operations 3,219.03 2,517.72 6,156.34 4,706.07 10,311.30 7,784.29 - Other Income Total Income (1)”

“0 30 Financing for Viksit Bharat • ~ hUdCO Purvanchal Expressway Project by UPEIDA Cochin International Airport Bangalore Metro Kochi Metro Integrated Township, Nalgonda, Telangana 31 - .JII,...,• ;I' :.”

Highest Credit Ratings

1

Income

1

Expenses

1

Head Office

1

Highest Credit Ratings

Domestic-AAA International-Sovereign 0 6 One Stop Solution- Financing, Consultancy & Capacity Building -~ hudco A NAVRATNA CPSE AFFORDABLE HOUSING & INFRASTRUCTURE FINANCING GolSCHEMES KNOWLEDGE PARTNER CONSULTANCY SERVICES • iitt m,mr,mm anlriAwasYojana ~ A tal M ission for Rej11ve11atio11 and Urban Transfonnation Financing for Viksit Bharat 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. 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 0 7 HarGharJal Jal Jeevan Mission BHA RATIVl,ALA Borrowing Partne

Income

Q2 H1 12 MONTHS FY26 (Reviewed) FY25 (Reviewed) FY26 (Reviewed) FY25 (Reviewed) FY25 (Audited) FY24 (Audited) (₹ in Crore) - Revenue from Operations 3,219.03 2,517.72 6,156.34 4,706.07 10,311.30 7,784.29 - Other Income Total Income (1)

Expenses

- Finance Cost - Other Cost 31.99 8.42 40.15 17.26 37.09 163.81 3,251.02 2,526.14 6,196.49 4,723.33 10,348.39 7,948.10 2,212.62 1,662.02 4,302.09 3,125.85 6,750.11 4,963.94 100.68 97.23 202.40 164.58 372.11 348.81 - Impairment of Financial Instruments (16.99) (233.15) (119.95) (251.84) (410.50) (208.09) Total Expenses (2) 2,296.31 1,526.10 4,384.55 3,038.59 6,711.72 5,104.66 PROFIT BEFORE TAX {3= (1-2)} Tax Expense (4) NET PROFIT AFTER TAX {5 = (3-4)} 954.71 244.88 709.83 1,000.04 1,811.94 1,684.74 3,636.67 2,843.44 311.42 688.62 471.88 438.37 927.52 726.70 1,340.06 1,246.37 2709.15 2,116.74 0 22 -~ hudco A NAVRATNA CPSE Financing for Viksit Bharat Particulars H1FY26 H1FY25 FY2025 Loan Portfolio (₹ Crore) Yield on Loan (%) Cost of Funds (%) Interest Spread (%) Net Interest Margin (%) Incl. EBR 1,44,554 Excl. EBR 1,24,554 Incl. EBR 1,11,068 9.12% 7.04% 2.08% 2.98% 9.17% 6.75% 2.42% 3.43% 9.24% 7.46% 1.78% 3.01% Particulars Interest Coverage Ratio (times) Debt Equity Ratio (times) Return

Head Office

HUDCO Bhawan, Core-7-A, India Habitat Centre, Lodhi Road, New Delhi - 110 003 a www.hudco.org.in 3137 @ @hudco ~ @hudcoUmited [@@hudco-limited ► @hudcoltd