Business Responsibility and Sustainability Report for FY 2025-26

HUDCO/CS/56th AGM/SE/2026 30th July, 2026 Listing Department Listing Department BSE Limited National Stock Exchange of India Ltd. Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G, Dalal Street Bandra Kurla Complex, Bandra (E) Mumbai- 400001 Mumbai - 400051 Scrip Code- 540530 NSE Symbol- HUDCO Sub: Business Responsibility and Sustainability Reporting for the Financial Year 2025-26 ------------------------------------------------------------------------------------------------------------- Sir/Madam, Pursuant to Regulation 34(2)(f) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we are submitting herewith the Business Responsibility and Sustainability Report for Financial Year 2025- 26, which also forms part of the Annual Report for Financial Year 2025-26. This is for information and record please. Yours sincerely For Housing and Urban Development Corporation Limited Vikas Goyal Company Secretary & Compliance Officer Encl. as above Housing and Urban Development Corporation Limited (A Government of India Enterprise) HUDCO Bhawan, India Habitat Centre, Lodhi Road, New Delhi-110 003 Tel.: 011-24649610-23, 24627113-15 Website: www.hudco.org.in, Email: cswhudco@hudco.org CIN: L74899DL1970GOI005276 BUSINESS RESPONSIBILITY & SUSTAINABILITY REPORT SECTION A: GENERAL DISCLOSURES I. Details of the listed entity 1. Corporate Identity Number (CIN) of L74899DL1970GOI005276 the Listed Entity 2. Name of the Listed Entity Housing and Urban Development Corporation Limited 3. Year of incorporation 1970 4. Registered office address HUDCO Bhawan, India Habitat Centre, Lodhi Road, New Delhi - 110003 5. Corporate address same as above 6. E-mail cswhudco@hudco.org 7. Telephone 011-24649610-21 8. Website www.hudco.org.in 9. Financial year for which reporting is 2025-26 being done 10. Name of the Stock Exchange(s) where BSE Limited and National Stock Exchange of India Limited shares are listed 11. Paid-up Capital (In Rs.) 2001.90 Crore 12. Name and contact details (telephone, email address) of the person who may be contacted in case of any queries on the BRSR report: Name : Shri Vikas Goyal, Company Secretary Contact : 011-24646899 E mail : cswhudco@hudco.org 13. Reporting boundary - Are the Standalone basis disclosures under this report made on a Standalone basis (i.e., only for the entity) or on a consolidated basis (i.e., for the entity and all the entities which form a part of its consolidated financial statements, taken together). 14. Name of assurance provider M/s. Mehta & Mehta 15. Type of assurance obtained Reasonable Assurance II. Products/services 16. Details of business activities (accounting for 90% of the turnover) Sl. No. Description of main activity Description of business activity % of turnover of the entity 1. Financial Services Housing and Urban Infrastructure Finance 99.59 17. Product /services sold by the entity activities (accounting for 90% of the entity’s turnover): Sl. No. Product/Service NIC Code % of total turnover contributed 1. Other Financial Services and Activities - Other 64920 99.59 Credit Granting ANNUAL REPORT 2025-26 | 1 III. Operations 18. Number of locations where plants and/or operations/offices of the entity are situated: Location Number of plants Number of offices Total National Not Applicable The operations of the Company are 33 carried out through Head Office, HSMI, 20 Regional Offices and 11 Development Offices. Company has no overseas office. International Not Applicable NIL NIL 19. Markets served by the entity a. Number of locations Location Number National: ---States 28 ---Union Territories 8 International (No. of Countries) NIL b. What is the contribution of exports as a percentage of the total turnover of the entity? – NIL c. A brief on types of customers- HUDCO’s principal business objective is to provide financing and credit facilities in the housing and infrastructure sectors, with a primary focus on urban development. Accordingly, the Company provides interest bearing loans as the principal product across the entire Housing and Infrastructure Sectors. Its clientele includes State Governments and their parastatal agencies such as Housing Boards, Police Housing Corporations, Development Authorities, Urban Improvement Trusts, Water Supply and Sewerage Boards, Roads and Bridges Development Corporations, Metro Rail Corporations, Municipal Corporations/Councils, as well as Central and State Public Sector Undertakings and power generation, transmission, and distribution utilities. During the financial year 2025–26, HUDCO sanctioned loans amounting to ₹1,64,757 Crore and disbursed ₹51,194.21 Crore across various housing and infrastructure segments. The Company’s financing portfolio comprises long- term and medium-term loans (with tenure exceeding one year), debt refinancing, and special term loans. The projects financed during the year include initiatives in sustainable and green energy sectors such as solar and hydro power generation, along with civic infrastructure projects including capital and township development. These projects are aligned with sustainable development principles and incorporate environmentally responsible practices. IV. Employees 20. Details as at the end of Financial Year A. Employees and workers (including differently abled): Male Female Sl. No. Particulars Total(A) No. (B) % (B/A) No. (C) % (C/A) EMPLOYEES 1 Permanent (D) 585 415 70.90% 170 29.10% 2 Other than Permanent (E) 229 195 85.15% 34 14.85% 3 Total employees (D + E) 814 610 74.94% 204 25.06% WORKERS 4 Permanent (F) - - - - - 5 Other than Permanent (G) - - - - - 6 Total workers (F + G) - - - - - 2 | ANNUAL REPORT 2025-26 B. Differently abled Employees and workers: Sl. Male Female Particulars Total(A) No. No. (B) % (B/A) No. (C) % (C/A) DIFFERENTLY ABLED EMPLOYEES 1 Permanent (D) 7 6 85.71% 1 14.29% 2 Other than Permanent (E) 1 1 100% 0 0 3 Total differently abled employees (D + E) 8 7 87.5% 1 12.5% DIFFERENTLY ABLED WORKERS 4 Permanent (F) - - - - - 5 Other than Permanent (G) - - - - - 6 Total differently abled workers (F + G) - - - - - 21. Participation/Inclusion/Representation of women: No. and percentage of Females Particulars Total (A) No. (B) % (B/A) Board of Directors 8 1 12.5 Key Managerial Personnel* (including functional directors) 4 0 0 *Shri LVS Sudhakar Babu was appointed as KMP w.e.f. 22.01.2025. Further, on account of his appointment as Managing Director of Sagarmala Finance Corporation Limited, Shri LVS Sudhakar Babu, ED (Finance) was relieved from the services of HUDCO and has accordingly ceased to be Key Managerial Personnel of the Company w.e.f. 06.11.2025 (F/N). 22. Turnover rate for permanent employees and workers: Turnover rate in Turnover rate in Turnover rate in Particulars FY 2025-26 FY 2024-25 FY 2023-24 Male Female Total Male Female Total Male Female Total Permanent Employees 8.03 12.81 9.45 9.35 7.33 8.72 8.78 10.89 9.44 Permanent Workers - - - - - - - - - V. Holding, Subsidiary and Associate Companies (including joint ventures) 23 Names of holding/subsidiary/associate companies/joint ventures: Sl. Name of the holding/ Indicate whether % of shares Does the entity indicated No. subsidiary/ associate holding/ Subsidiary/ held by listed at column A, participate in companies /joint Associate/ Joint entity the Business Responsibility ventures (A) Venture initiatives of the listed entity? (Yes/No) 1 Pragati Social Infrastructure Associate/Joint Venture 26 No & Development Ltd. (PSIDL) 2 Shristi Urban Infrastructure Associate/Joint Venture 40 No Development Ltd. (SUIDL) 3 Signa Infrastructure India Associate/Joint Venture 26 No Ltd. (SIIL) 4 Ind Bank Housing Limited Associate 25 No ANNUAL REPORT 2025-26 | 3 VI. CSR Details (i) Whether CSR is applicable as per section 135 Yes of Companies Act, 2013 (Yes/No): (ii) Turnover (in Rs.) Rs. 13,150.40 Crore (iii) Net Worth (in Rs.) Rs. 21,977.20 Crore VII. Transparency and Disclosure Compliances 25. Complaints /Grie [Showing first 8,000 characters — download PDF for full document]