$HUDCO Interest Earned for Q1FY27 is Rs. 3,710 Crs., 26.84% growth YoY, Net Interest Income is Rs. 1,149 Crs., 21.14% growth YoY, Total Income is Rs. 3,737 Crs., 26.89% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,066 Crs., 41.36% growth YoY, PBT is Rs. 1,066 Crs., 24.38% growth YoY, Net profit is Rs. 851 Crs., 35.05% growth YoY. On QoQ basis Interest Earned is up by 4.34%, Net Interest Income is up by 0.59%, Total Income is up by 3.1%, Pre-Provisioning Operating Profit is up by 70.04%, PBT is up by 71.69%, but PAT is down by 90.73% (due to reversal of deferred tax in Q4FY26). For Q1FY27 Gross NPA 0.96% vs 1.34% in Q1FY26, Net NPA 0.048% vs 0.09% in Q1FY26. Return on Assets is 1.97% improved by 8 BPS YoY, Return on Equity is 14.89% improved by 61 BPS YoY. NIM: 2.72% declined by 22 BPS YoY. Total Loan Outstanding is Rs. 1,73,123 Cr. as on 30th June, 2026, 28.8% Growth YoY. Total MOUs referenced at INR 6.5 lakh crores, described as “an intent to work together with the state”, valid 5 years; projects typically disburse over 5 years given land acquisition, contracting, and financial closure steps. Management emphasized protecting profitability primarily via cost-of-funds reduction rather than yield expansion, while maintaining the 2% spread. PPP opportunity explicitly tied to UCF: Expected sectors: water, desalination, storm-water drainage, sewage, with government support cited as “50% CGF”.

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