Housing & Urban Development Corp. Ltd. · NSE:HUDCO
Housing & Urban Development — H1 FY27 Earnings Presentation
38 slides from Housing & Urban Development's earnings presentation, Nov 5, 2026
Slide 1: Stock exchange cover letter for investor presentation
HUDCO/List. Comp./SE/2026 5th November, 2026 Listing Department Listing Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Plot No. C/1, G Block Dalal Street Bandra-Kurla Complex, Bandra (E) Mumbai – 400001 Mumbai – 400051 SCRIP CODE: 540530 SCR
Slide 2: Investors Presentation: Performance Highlights H1FY27
Investors Presentation Performance Highlights H1FY27 Financing Infrastructure for Viksit Bharat Consultancy Capacity Partnerships Financing Building 1
Slide 3: Table of Contents
Table of Contents 01 About HUDCO 02 Operational Performance 03 Financial Performance 04 Repurposing Efforts 05 Partnership with States 2
Slide 4: HUDCO - A Unique Institution
HUDCO - A Unique Institution Financing Infrastructure for Viksit Bharat 56+ YEARS OF EXPERTISE 01 Integrated Services 02 Strong State Partnerships Techno-financial institution Financing, consultancy and Multi-sector partnerships with capacity building for housing State Governments and and infrastruc
Slide 5: Major Milestones: HFC to IFC
Major Milestones: HFC to IFC 1970–80 1980–90 1990–2000 2000–10 Inception & pioneering Diversification Government Miniratna o 1970: Incorporated as a o 1985: HSMI training arm recognition accreditation development institution o 1989: Urban infrastructure o Key role in 2MHP o ₹2,500 cr authorised capi
Slide 6: Pan-India Presence
Pan-India Presence Corporate / Registered Office New Delhi 20 8 613 Regional Development Employee Offices Offices Strength Training & Research Human Settlement Management Institute (HSMI), New Delhi Gender Diversity 74% 26% Male Female Professional Talent Pool Finance, Engineers, Architects, Economi
Slide 7: Key Strengths
Key Strengths Presence & State Partnerships Government Initiatives Pan-India presence Key role in Government of India Strong relationships with States programs and missions Strong Asset Quality Financial Performance Lowest NPA Strong financial ratios High provision coverage ratio Consistent profitab
Slide 8: Partnership for Sustainable Asset Creation
Partnership for Sustainable Asset Creation Financing Govt. Schemes Consultancy Capacity Building Affordable housing Counterpart funding for: Architecture Training for professionals & in-house employees Social infrastructure PMAY (Urban & Rural) Urban & regional planning Hospitals, government buildin
Slide 9: Highest Credit Ratings
Highest Credit Ratings (Including capital gain tax exemption bonds) Domestic Ratings International Ratings Sovereign-aligned Highest domestic rating A-* Stable AAA Stable Stable BBB- Stable All four agencies Stable Stable* Baa3 Stable *Only for Perpetual Bonds Strong lending Trusted by Global financ
Slide 10: Shareholding and Dividends
Shareholding and Dividends Shareholding (%) Top 10 Shareholders Shareholding Government of India 75.00% Name (%) Individuals/HUFs 12.12% Government of India 75.00 Insurance companies 8.14% Life Insurance Corporation of India 7.15 FPIs/FIIs 2.40% ICICI Prudential Life Insurance Company Limited 0.80 M
Slide 11: Market Capitalisation and Investor Confidence
Market Capitalisation and Investor Confidence Share Price Performance Market Capitalisation ₹ crore ₹166.58 48,000 NSE close on 30 September 2026 39,928 40,000 37,486 31,946 33,367 32,000 24,000 16,000 8,658 8,000 0 Annualised earnings per share ₹17.60 Book value per share ₹114.69 10
Slide 12: ESG at HUDCO
ESG at HUDCO Green finance, social inclusion and accountable governance Environment Social Governance Green portfolio Affordable housing portfolio Corporate governance ₹ 24,848 crore ₹ 45,111 crore Board-approved ESG Policy, governance structure and leadership oversight CSR Expenditure (H1 FY2026–2
Slide 13: Operational Performance
Operational Performance Growth Trajectory Loan Portfolio Sustained growth across key Robust and diversified operational metrics loan portfolio 12
Slide 14: Growth Trajectory
Growth Trajectory All amounts in ₹ crore Loan Sanctions Loan Disbursement 1,64,758 51,194 1,27,952 1,04,592 40,038 35,372 92,985 25,838 82,387 29% 12% 28% 37% 55% 17,987 123% FY24 FY25 FY26 H1FY26 H1FY27 FY24 FY25 FY26 H1FY26 H1FY27 Loan Outstanding 1,86,111 Interest Income 13,096 1,60,724 10,200 1,
Slide 15: Loan Portfolio
Loan Portfolio Amounts in ₹ crore By sector By borrower 2.50% 1.53% 1.10% 0.75% 38.85% 26.16% 23.87% 46.96% 97.50% 98.47% 98.90% 99.25% 61.15% 73.84% 76.13% 53.04% FY24 FY25 FY26 H1 FY27 FY24 FY25 FY26 H1 FY27 Urban infrastructure Affordable housing Government Private H1 Particulars (₹ crore) FY24 F
Slide 16: Financial Performance at a Glance
Financial Performance at a Glance 01 Borrowing Profile 02 Asset Quality 03 Key Financial Highlights 15
Slide 17: Superior Liability Management
Superior Liability Management (Adding to margins) Amounts in ₹ crore H1 12 months Category Average Average Average Average FY27 FY26 FY26 FY25 cost cost cost cost Taxable Bonds 2,344.95 7.06% 8,400.50 6.77% 10,396.12 6.79% 14,768.50 7.28% Bank / FI Loans Short Term 3881.92 6.68% 6,874.00 5.79% 2,503
Slide 18: Borrowing Profile
Borrowing Profile H1 FY27 vs H1 FY26 ₹ crore Borrowing Mix Particulars H1 FY27 H1 FY26 H1 FY27 A. GoI fully serviced bonds 20,000.00 20,000.00 B. Others Bank loans 43.21% Tax free bonds 10,684.70 12,221.38 ₹71,032.91 crore Taxable bonds* 29019.57 29,678.95 Bank loans Bonds 36.32% Short term 3,881.92
Slide 19: Efforts for Cost Optimisation
Efforts for Cost Optimisation Cost of Funds 7.04% 7.07% Overall H1 FY26 H1 FY27 Borrowing mix Funding diversification Domestic and international funding aligned with the ALM Exploring USD, EUR and JPY loans/bonds across new profile. geographies. International borrowing RBI forex swap window (till da
Slide 20: Pristine Asset Quality: A competitive edge
Pristine Asset Quality: A competitive edge Gross and Net NPA (%) Government and its agencies 2.71% 3.0% 1.67% 99.25% 2.0% 1.04% of the loan book 1.0% 0.71% 0.356% 0.245% 0.053% 0.044% 0.0% Robust appraisal and monitoring FY24 FY25 FY26 H1 FY27 Gross NPA Net NPA Periodic review of policies and proced
Slide 21: Credit Impaired Assets
Credit Impaired Assets Gross NPA Net NPA Provision coverage ₹ 1,314.31 crore ₹82.04 crore 93.76% Resolution and recovery status Amounts in ₹ crore Amount No. of Provision Project type / recovery route (₹ crore) accounts made Consortium projects 745.47 6 100% NCLT resolution 710.49 3 100% Outside NCL
Slide 22: Key Financial Highlights
Key Financial Highlights H1 FY27 vs H1 FY26 Amounts in ₹ crore Year-on-year comparison H1 FY27 indicators HoH Disbursements Metric H1 FY27 H1 FY26 growth ₹35,371.54 crore Net profit 1,762.15 1,340.06 31.50% Highest ever H1 disbursement Sanctions 1,04,592 92,985 12.48% (highest ever) Capital adequacy
Slide 23: Standalone Statement of Profit & Loss
Standalone Statement of Profit & Loss Amounts in ₹ crore Q2 H1 12 months Particulars FY27 FY26 FY27 FY26 FY26 FY25 (Reviewed) (Reviewed) (Reviewed) (Reviewed) (Audited) (Audited) Income Revenue from operations 4,040.42 3,219.03 7,757.59 6,156.34 13,150.40 10,311.29 Other income 10.97 31.99 31.29 40.
Slide 24: Key Indicators: Loan Portfolio & Margins
Key Indicators: Loan Portfolio & Margins Half Yearly and Annual Comparison H1 FY27 H1 FY26 FY26 Particulars Incl. EBR Excl. EBR Incl. EBR Excl. EBR Incl. EBR Excl. EBR Loan portfolio (₹ crore) 1,86,111 1,66,111 1,44,554 1,24,554 1,60,724 1,40,724 Yield on loan (%) 8.83% 8.82% 9.12% 9.17% 9.13% 9.18%
Slide 25: Key Indicators: Capital & Returns
Key Indicators: Capital & Returns Capital, leverage and shareholder returns Particulars H1 FY27 H1 FY26 FY26 Interest coverage ratio (times) 1.40 1.42 1.36 Debt equity ratio (times) 7.16 6.98 6.43 Debt equity ratio (times) 6.29 5.87 5.52 Excl. GoI fully serviced bonds / EBR Return on assets (%, annu
Slide 26: Empowering Urban India, Enabling Viksit Bharat
Empowering Urban India Enabling Viksit Bharat Developed India @ 2047 25
Slide 27: India's Infrastructure Progress
India’s Infrastructure Progress Expansion across transport, utilities and digital networks National Rail Metro Operational Highways Electrification Rail Airports 1,46,572 99.6% 1,155+ 165 km of network of rail network km of network airports +61% increase ~398% increase ~366% increase +123% increase
Slide 28: India's Future Infrastructure Needs
India’s Future Infrastructure Needs Urban growth and climate risks call for sustained investment World Bank outlook (2025) US$2.4 trillion+ Urban investment needed by 2050 for resilient, low-carbon infrastructure and services 951 million >50% Urban housing and mass transit Urban residents projected
Slide 29: GoI Initiatives Supporting Infrastructure
GoI Initiatives Supporting Infrastructure Urban Challenge Fund (UCF) Paradigm shift from grant-based funding to bankable urban projects ₹1 lakh crore ~₹4 lakh crore Central assistance Investment envisaged over five years Project funding framework Up to 25% At least 50% Balance Central assistance Mar
Slide 30: Other Initiatives
Other Initiatives Affordable housing, water security and emerging urban growth centres PMAY-U 2.0 Jal Jeevan Mission 2.0 AMRUT 2.0 1 crore families Dec 2028 500 cities Additional urban housing Mission extended for Universal sewerage/septage support target universal rural tap water coverage goal Buil
Slide 31: HUDCO's Role and Growth Opportunities
HUDCO’s Role and Growth Opportunities Long-term finance and project preparation for expanding urban infrastructure Finance infrastructure Prepare bankable projects Long-term loans for housing, water, urban mobility UiWIN support for DPRs, revenue models and and city redevelopment financial structuri
Slide 32: Repurposing Our Efforts Towards Viksit Bharat
Repurposing Our Efforts 01 Optimizing resources Towards 02 Recycling and redeployment of funds Viksit Bharat 03 Strengthening financial capacity 04 Enhancing operational efficiency Repurposing our strengths to build a stronger, sustainable and future-ready India, aligned 05 Strategic partnerships wi
Slide 33: UiWIN: Enabling Urban Infrastructure Financing
UiWIN: Enabling Urban Infrastructure Financing Dedicated technical assistance and investment facilitation platform to support implementation of the Government of India’s Urban Challenge Fund (UCF) 01 Readiness 02 Project Formulation 03 Financial Closure Asset identification and inventory Project ide
Slide 34: UiWIN: Future Priorities & Goals
UiWIN: Future Priorities & Goals Scale UiWIN into a pan-India platform for financially resilient urban local bodies and a sustained pipeline of bankable urban infrastructure projects Pan-India delivery Bankable project Municipal financial network pipeline resilience Activate 20 Regional Offices as U
Slide 35: New Financing Initiatives
New Financing Initiatives 1. Launch of PPP Project Finance Division 2. Bridge Loan Objective Objective Support the private sector in creating Bridge gaps in funding receipts bankable infrastructure projects for Government schemes and infrastructure projects Process initiated to commence lending Fund
Slide 36: Partnership with States
Partnership with States Gujarat Odisha Madhya Pradesh ₹1 lakh crore ₹1 lakh crore ₹1 lakh crore MoU MoU MoU Olympics infrastructure BCP Economic Region Mega textile parks Dholera Special Investment Region Mukhyamantri Sahari Vikas Yojana Bhopal and Indore Metro High-speed rail Green Hydrogen Valley
Slide 37: Honours and Recognition
Honours and Recognition 17th BML Munjal Award PSE Excellence Award 2025 Business Excellence Enterprise Application ETNOW Infra Focus Awards 2024 GRIHA Award Infrastructure Sector (Housing) Consultancy Project Governance Now 11th PSU Awards Asset Triple A Awards PSU & CSR Leadership Best sustainabili
Slide 38: Thank You
Thank You Financing Infrastructure for Viksit Bharat Head Office HUDCO Bhawan, Core-7-A India Habitat Centre, Lodhi Road, New Delhi - 110 003 37
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