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.

₹2,500

SIFICATION • 1985: HSMI • 1989: Urban Infra window MINIRATNA ACCREDITATION • Auth. Capital- ₹2,500 Cr • 2002: Schedule-A • 2004: Miniratna-I BREAKTHROUGH & WEALTH CREATION • Navratna & NBFC IFC

29%

ew Delhi  Employee strength (as on Mar, 2026)- 585 Financing Infrastructure for Viksit Bharat 29% 71% Diverse pool of Professionals FINANCE Vijayawada ARCHITECTS ENGINEERS ECONOMIST HR & IT

71%

lhi  Employee strength (as on Mar, 2026)- 585 Financing Infrastructure for Viksit Bharat 29% 71% Diverse pool of Professionals FINANCE Vijayawada ARCHITECTS ENGINEERS ECONOMIST HR & IT LEG

RS 5

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

₹ 60.06

Entities Financing Infrastructure for Viksit Bharat • Sustainable lending* : • Impactful CSR - ₹ 60.06 Cr (FY26) • Independent & Healthy Board  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹

₹ 20,

at • Sustainable lending* : • Impactful CSR - ₹ 60.06 Cr (FY26) • Independent & Healthy Board  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Board Diversity (Women): 12.5%  ₹

₹ 11,051

6 Cr (FY26) • Independent & Healthy Board  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Board Diversity (Women): 12.5%  ₹ 45,909 Cr - Sanitation, Sewerage etc. • Low environmen

12.5%

d  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Board Diversity (Women): 12.5%  ₹ 45,909 Cr - Sanitation, Sewerage etc. • Low environmental impact of operation • Transiti

₹ 45,909

, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Board Diversity (Women): 12.5%  ₹ 45,909 Cr - Sanitation, Sewerage etc. • Low environmental impact of operation • Transition to Paperle

90.43%

nsition to Paperless Sewa • Workplace Safety & Grievance • Experienced Leadership Redressal • 90.43% Employee Training • Substantial procurement - MSMEs Coverage • 44 CTUs adopted:Swachhta Hi •

0.58%

g Capacity • Trusted by Borrowers • Global Financial Credibility • Low-Risk Profile Corporates, 0.58% Individuals/HUFs, 11.17% FPIs/FIIs, 2.22% Insurance Companies, 8.47% Mutual Fund/AIF, 2.56%

“7 Borrowing Partners: Central/State Govts., State Public Agencies, ULBs and Specialized Entities Financing Infrastructure for Viksit Bharat • Sustainable lending* : • Impactful CSR - ₹ 60.06 Cr (FY26) • Independent & Healthy Board  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff.”

“Reduced project completion delays Maximum Impact within Limited CSR Resources”

“PROVISION COVERAGE RATIO REFLECTS THE RATIO OF PROVISION CREATED AGANST NPA LOANS 100% 96% 92% 88% 84% 80% 21 85.24% 86.87% 85.44% 94.90% FY23 FY24 FY25 FY26 mechanism  Periodic review of policies and procedures - in line with best market practices  Loans to Govt.”

“of Accounts • Provision made – 100% • Provision made – 100% Suit Filed Cases/ DRT Suit Filed Cases/ DRT • ₹403.69 Crore • ₹403.69 Crore • Top 10: ₹ 280.12 Crore (69.39%) • Top 10: ₹ 280.12 Crore (69.39%) • Provision made – 100% • Provision made – 100% • • • • 22 11 Long pending NPA A/c resolved during FY25-26 - ₹402.62 Cr and 9 NPA A/cs technically written off- ₹13.26 Cr.”

“11 Long pending NPA A/c resolved during FY25-26 - ₹402.62 Cr and 9 NPA A/cs technically written off- ₹13.26 Cr.”

“: Mission Outlay over 5 years (FY 26 to FY 31) Financing Infrastructure for Viksit Bharat Cities as Growth Hubs Creative Redevelopment of Cities Thematic Areas Blended Financing Model  Central Assistance • Limited to 25% of the cost of bankable projects  Market-Based Finance • Minimum 50% of the project cost funded from Water & Sanitation bonds, bank loans, and PPPs Opportunity: ₹ 3.0 Lakh crore over the next 5 years What are CERs?”

Initiatives

6

Impact

5

One Stop Solution

1

Highest Credit Ratings

1

Income

1

Expenses

1

Head Office

1

One Stop Solution

• Financing • Consultancy • Capacity Building • Pan-India Presence • Strong Relationships with States Strong Asset Quality • Lowest NPA • High Prov. Coverage Ratio

Highest Credit Ratings

• Domestic-AAA • International-Sovereign 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 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. 7 Borrowing Partners: Central/State Govts., State Public Agencies, ULBs and Specialized Entities Financing Infrastructure for Viksit Bharat • Sustainable lending* : • Impactful CSR - ₹ 60.06 Cr (FY26) • Independent & Healthy Board  ₹ 20, 017 Cr - RE & Net ZERO • EWS & Aff. Housing* - ₹ 11,051 Cr • Board Diversity (Women): 1

Initiatives

•Policy & procedural reforms •PPP-based lending & BD Cell •Object Clause revision •NBFC-IFC & Navratna

Initiatives

•Diversified borrowings (ECB, 54EC, ESG Loan, External Benchmark linked loans) •Updated investment strategy • First Ever Perpetual Bonds

Impact

Highest Ever loan sanctions: ₹1.65 lakh Cr (29% growth) Highest Ever Disbursements: ₹51,194 Cr (28% growth ) ₹67,503 Cr mobilised ~19 bps reduction in borrowing cost Improved Returns Strengthened Capital Base & Improved ALM Profile

Impact

₹403 Cr recovery GNPA 1.04% | NNPA 0.05% No addition of New NPA Targeting Zero Net NPA Financing Infrastructure for Viksit Bharat Impactful & Inclusive CSR Transforming thru People Repurposing Initiatives