Housing & Urban Development Corporation Limited — PPTs, 23-01-2025: Investor Presentation

**Investor Presentation Summary**

**Financial Highlights:** HUDCO reported significant growth in key metrics for Q3 and 9M FY25. Loan sanctions reached ₹92,151 Cr, marking a 5x year-on-year increase, while loan disbursements amounted to ₹31,760 Cr, a 4x rise. The profit after tax (PAT) showed a strong growth of 40% to ₹1,981.40 Cr, and total revenue rose by 30% to ₹7,466.30 Cr.

**Strategic Initiatives and Growth Drivers:** HUDCO is positioned as a central player in the Government of India's infrastructure drive, particularly in housing and urban projects. The recent acquisition of NBFC-IFC status enhances its capacity to meet growing funding demands for infrastructure development aimed at achieving a $7 trillion economy by 2030.

**Business Developments:** Recent agreements and collaborations include a ₹1 lakh Cr MoU with Rajasthan for housing and infrastructure projects and a proposed investment of ₹11,000 Cr for Amaravati City. The company has also partnered with various state entities to enhance urban infrastructure.

**Market Position and Competitive Advantage:** HUDCO maintains strong asset quality with the lowest NPA ratios in the industry, supported by robust relationships with state governments. Its AAA credit rating enhances its appeal to investors as a reliably profitable entity.

**Investor Implications:** The substantial growth and strategic initiatives indicate a positive outlook for HUDCO. Investors should monitor its ability to leverage its government partnerships and positions in high-capacity projects to sustain this growth trajectory.