General Updates

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 SCRIP CODE: HUDCO Sub.: Investor Presentation on Financial Results for the quarter & half year ended 30th September, 2026 ------------------------------------------------------------------------------------------------------- Sir/Madam, Please find attached herewith presentation on the financial results of the Company for the quarter & half year ended 30th September, 2026. A copy of the Presentation on the financial results is being made available on website of Company i.e., www.hudco.org.in (Home>> Investors>> Financials>> Financial Presentation). This is for your kind information. Yours sincerely For Housing and Urban Development Corporation Limited Vikas Goyal Company Secretary & Compliance Officer Encl.: as above Investors Presentation Performance Highlights H1FY27 Financing Infrastructure for Viksit Bharat Capacity Partnerships Financing Consultancy Building Table of Contents 01 About HUDCO 02 Operational Performance 03 Financial Performance 04 Repurposing Efforts 05 Partnership with States HUDCO - A Unique Institution Financing Infrastructure for Viksit Bharat 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 infrastructure projects their agencies 03 National Missions 04 Listed Company PMAY 2.0, UCF, Smart City, 75% ownership of the AMRUT and Jal Jeevan Mission Government of India 05 Navratna CPSE 06 Profitability with Social Justice Registered with RBI as an NBFC-IFC Consistently profit-making with the motto "Profitability with Social Justice" Building Infrastructure, Building Bharat 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 capital o Addressing India’s window o PM’s award for top 10 PSUs o 2002: Schedule-A housing shortage o 2004: Miniratna-I 2010–20 Post 2020 2025 Repurposing of Enhanced market standing Breakthrough & wealth creation HUDCO o Navratna and NBFC-IFC o AAA credit rating o Exponential growth o Launch of Urban Invest o Public issue of tax-free bonds o Massive shareholder returns Window (UiWIN) o IPO (2017) o 54EC and zero-coupon bonds o Partnerships with States “Excellent” MoU rating for FY24 and FY25 Second consecutive year, ahead of many peers, with consistent operational and financial excellence 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, Economists HR & IT, Legal, Town Planners, Social Development 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 profitability Highest Credit Ratings One Stop Solution Domestic: AAA Financing International: Sovereign Consultancy Capacity building 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 buildings Smart City Appraisal & monitoring Domestic & international and water supply programs AMRUT Asset monetization Commercial infrastructure Swachh Bharat Mission Environmental studies Research in the urban sector Roads, highways, urban mobility, ports and energy Jal Jeevan Mission Land acquisition Borrowing Partners Central/State Governments, State Public Agencies, ULBs and Specialized Entities Highest Credit Ratings (Including capital gain tax exemption bonds) Domestic Ratings International Ratings Sovereign-aligned Stable Highest domestic rating Stable Stable BBB- Stable All four agencies Baa3 Stable Stable Stable* *Only for Perpetual Bonds Strong lending Trusted by Global financial Low-risk capacity borrowers credibility profile * -Ratings upgraded to A-from BBB- 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 Mutual Fund/AIF 1.38% DhwajaShares & Securities Private Limited 0.42 Corporates 0.96% HSBC Mutual Fund -HSBC Value Fund 0.40 Vanguard Total International Stock Index Fund 0.37 Dividend (%) Vanguard Emerging Markets Stock Index Fund, 0.36 A Series of Vanguard International Equity Index Funds 60.50% Aditya Birla Sun Life Mutual Fund -Aditya Birla Sun Life 60% 41.50% 41.50% 0.29 35.00% 38.50% Nifty Midcap 150 Index Fund 20% Government Pension Fund Global 0.21 FY22 FY23 FY24 FY25 FY26 MKT Capital LP 0.20 ₹ crore 700.66 770.73 830.79 830.79 1,211.15 H1 FY27: Interim dividend of 26% (Interim1 - ₹1.25 & Interim2- 1.35 per share) declared upto H1FY27 Market Capitalisation and Investor Confidence Share Price Performance Market Capitalisation ₹166.58 ₹ crore 48,000 NSE close on 30 September 2026 39,928 40,000 37,486 33,367 31,946 32,000 24,000 16,000 8,658 8,000 Annualised earnings per share ₹17.60 Book value per share ₹114.69 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 FY2026–27) Green portfolio ₹ crore Share ₹ 14.13 crore Stakeholder engagement and structured Water & pipelines 19,126 77.0%  TB Mukt Bharat Abhiyaan grievance mechanism  Special Olympic Bharat Vigilance, cybersecurity, access controls and Solar, wind & hydro 2,475 10.0% Employee well-being employee awareness Metro & EV charging 936 3.8% 26.43% ₹ 2.18 cr 936 Stormwater drainage 538 2.1% Women Well-being HR Wing training Urban governance employees expenditure mandays Sewerage treatment 1,420 5.7% 162 permanent women employees Urban Invest Window (UiWIN) Solid waste management 353 1.4% Inclusive procurement Till H1 FY2026-27 MSE category Share* 12 485 1,391 Greener operations Overall MSE 73.91% Workshops ULBs Participants 43% 18% 71 Women-owned 7.38% participated 8 MoUs signed with States EVs in total Paper reduction IT assets sent SC/ST-owned 4.21% vehicle fleet Q-o-Q to recyclers * Share of total procurement 11 Portfolio as at 30.09.2026. Operating indicators up to H1 FY2026–27. Operational Performance Growth Trajectory Loan Portfolio Sustained growth across key Robust and diversified operational metrics loan portfolio Growth Trajectory All amounts in ₹ crore Loan Sanctions Loan Disbursement 1,64,758 51,194 1,27,952 1,04,592 35,372 40,038 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 Interest Income 1,86,111 13,096 1,60,724 10,200 1,44,554 7,733 1,24,828 7,653 92,654 6,122 29% 28% FY24 FY25 FY26 H1FY26 H1FY27 FY24 FY25 FY26 H1FY26 H1FY27 Loan Portfolio Amounts in ₹ crore By sector By borrower 2.50% 1.53% 1.10% 0.75% 26.16% 23.87% 46.96% 38.85% 97.50% 98.47% 98.90% 99.25% 73.84% 76.13% 53.04% 61.15% FY24 FY25 FY26 H1 FY27 FY24 F [Showing first 8,000 characters — download PDF for full document]