Introduction to HUDCO, Objectives, Brief history of HUDCO, Government programmes by HUDCO, Sources of funding, Housing by HUDCO, Infrastructure by HUDCO with eaxamples

1. HOUSING & URBAN
DEVELOPMENT
CORPORATION (HUDCO)
Submitted By:
Jasmeen Virk
Moksha Bhatia

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SECTION DIVIDER
OPTION 2
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INTRODUCTION
• HUDCO is a Public Sector Company, under the Ministry of
Housing and Urban Affairs (MoHUA).
• The Housing and Urban Development Corporation
Limited (HUDCO) is a government-owned corporation in India.
• It has its motto of "Profitability with Social Justice".
• Lays emphasis on the housing need of the "deprived" i.e.
Economically Weaker Sections (EWS) and Low-Income Groups
(LIG).
• HUDCO is a technical and financial institution working in the
area of human settlements.
• It has worked with architects B.V. Doshi, Charles Correa,
Christopher Charles Benninger and Sheila Sri Prakash
• HUDCO was established with an equity base of Rs. 2 crore. Over
the years, the Government has expanded the equity base. The
present authorized capital base of HUDCO is Rs.2500 crore and
paid up capital is Rs.2001.90 crore.
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Founded 25th April 1970
Headquarters New Delhi
Owner Government of India
https://www.hudco.org/

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HISTORY
• This institution came into existence on 25, April, 1970 as a
private limited company under the complete ownership of
Indian Government.
• It was created with the objective of
- addressing issue of housing finance
- playing role in urban infrastructure development.
• The organization provides finance for setting up of new
towns
• Works as consultancy services for the projects of
designing and planning relating to Housing and Urban
Development programs in India as well as abroad.
• HUDCO won UN-Habitat Scroll of Honour Award for the
contributions to the development of housing in 1991. 5https://en.wikipedia.org/wiki/Housing_and_Urba
n_Development_Corporation

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OBJECTIVES
https://en.wikipedia.org/wiki/Housing_and_Urba
n_Development_Corporation
➢ To provide long term finance for construction of houses for residential purposes or finance or
undertake housing and urban development programmes in the country.
➢ To finance or undertake, wholly or partly, the setting up of new or satellite town.
➢ Help State Housing (and or Urban Development) Boards, Improvement Trusts, Development
Authorities etc., specifically for the purpose of financing housing and urban development
programmes.
➢ To finance or undertake the setting up of industrial enterprises of building material.
➢ To promote, establish, assist, collaborate and provide consultancy services for the projects of designing
and planning of works relating to Housing and Urban Development programmes in India and
abroad.

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GOVERNMENT
PROGRAMMES
BY HUDCO
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1. Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (“DAY-NULM”)
• As part of DAY-NULM, the urban homeless are to be provided shelters equipped with essential services
in a phased manner.
• In addition, the programme also addresses livelihood concerns of urban street vendors by facilitating
access to suitable spaces, institutional credit, social security and skills to enable them to take
advantage of emerging market opportunities.
• Their current role under this programme is to inspect night shelters developed under the Shelter for
Urban Homeless vertical, which is one of the seven verticals under the programme, and update the
MoHUA on the status of these shelters.
HUDCO play a key role in the following Government programmes to develop the Indian housing and urban infrastructure
sectors.
https://www.hudco.org//Site/FormTemplete/frmTemp1PLargeTC1C.aspx?MnId=18&ParentID=6

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2. Jawaharlal Nehru National Urban Renewal Mission (“JNNURM”)
• JNNURM, launched by the Government in December 2005, aimed to encourage cities to improve
existing urban infrastructure services in a financially sustainable manner through reforms and ensuring
adequate funds.
• They have been integrally involved with JNNURM since its inception as the central monitoring
agency for monitoring two sub-mission programmes - Basic Services to the Urban Poor scheme
and a sister scheme of JNNURM - Integrated Housing and Slum Development Program.
• JNNURM was originally scheduled to run for seven years beginning from Fiscal 2006, but it has
now been extended up to March 31, 2017 for completion of on-going projects.
• Under JNNURM, they are involved in appraisal of detailed project reports and as monitoring agency
for effective implementation.
HUDCO play a key role in the following Government programmes to develop the Indian housing and urban infrastructure
sectors.
https://www.hudco.org//Site/FormTemplete/frmTemp1PLargeTC1C.aspx?MnId=18&ParentID=6

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3. Pradhan Mantri Awas Yojana (“PMAY”) – Housing for All (“HFA”) (Urban)
• They have also been appointed as an appraisal agency for three other components of PMAY – HFA
(Urban): in-situ slum development; Affordable Housing in Partnership; and Beneficiary Led
Construction projects.
HUDCO play a key role in the following Government programmes to develop the Indian housing and urban infrastructure
sectors.
https://www.hudco.org//Site/FormTemplete/frmTemp1PLargeTC1C.aspx?MnId=18&ParentID=6
EWS Houses for EWS under
PMAY – Andhra Pradesh
EWS Scheme under PMAY – Andhra Pradesh EWS Houses for SCSCOBC beneficiaries under PMAY
in Andhra Pradesh

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SOURCES OF FUNDING
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They fund their business with borrowings of various maturities in the domestic and international markets. Their
market borrowings include, among others, NCDs (including secured, redeemable, non-convertible, non-cumulative
tax-free bonds), term loans, commercial paper, public deposits and external commercial borrowings.

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1. Debentures/NCDs Bonds
- Taxable Bonds: They issue unsecured, non-convertible, redeemable taxable bonds under various series typically with a
maturity period of up to 10 years from the date of allotment.
- Tax-Free Bonds: They issue secured, non-convertible, redeemable tax-free bonds under various series typically with a
maturity period ranging from 10 to 20 years from the date of allotment. These bonds are issued to retail, corporate and
institutional investors through a public issue or on a private placement basis.
2. Refinance Assistance from NHB
- The NHB offers refinance assistance to HFCs in respect of their loans given for housing under various refinance schemes.
- These loans had a maturity period ranging from seven years to 10 years.
3. Commercial Paper
- They issue commercial paper from time to time.
4. Public Deposits
- Their public deposits are repayable in accordance with the individually contracted maturities ranging from 12 to 60 months from
the date of deposit.
5. Other Loans
- They avail of unsecured cash credit / overdraft facilities from various Indian banks. These facilities are short term in nature
and repayable on demand and were subject to floating interest rates.
6. Bank Guarantee Facilities
- We avail of unsecured bank guarantee facilities from various Indian banks. These facilities had a validity period ranging from 12
months to three years.
Domestic Borrowings

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1. External Commercial Borrowings and Loans from Multilateral Institutions
- HUDCO has availed foreign currency loan from the Japan Bank of International Cooperation (which was
borrowed in Japanese Yen), a Rs. 2,439 million loan from the Asian Development Bank and Rs.1,026.3 million
loan from USAID (both of which were borrowed in US dollars).
- Out of these loans from the Japan Bank of International Cooperation and the Asian Development Bank are
guaranteed by the GoI.
- The loan availed from USAID is in the nature of external commercial borrowings in the form of floating rate
promissory notes, guaranteed by USAID and counter-guaranteed by various Indian banks.
- These loans had a maturity period ranging from 25 to 30 years from the date of disbursement.
International Borrowings

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HOUSING BY HUDCO
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URBAN HOUSING
• 44.33% of housing loans has been allocated for
EWS.
• HUDCO has emerged as a major player in housing
sector during the last five decades of operation.
• Through its project financing window has so far
extended financial assistance for the
construction of 7.67 million residential units (as on
31.03.2019) in the country under urban housing
• Laid special emphasis to housing for under privileged
and poor in urban area,
• HUDCO offers softer financial terms to Economically
Weaker Section and Low Income Group housing
which includes lesser interest rates, larger
extent of loan and longer repayment period when
compared with financial assistance to other
income group categories.
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Housing for HUDCO by Gautam Bhatia

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CO-OOPERATIVE HOUSING
• Co-operative Housing has claimed fair amount of share in HUDCO’s
financial assistance.
• Under the Scheme, HUDCO’s financial assistance is available to
State Level Apex Co-operative Housing Federations.
• Financial assistances are offered for construction of houses and
composite housing scheme such as acquisition of land, development
of site and construction of house.
• However financial assistances are not available for land
acquisition component alone.
SLUM UPGRADATION
• Term loans for upgradation of slums are offered to Central and State
Governments, parastatals bodies, Corporates and Joint sector Agencies for
upgradation / improvement of slums in inner city areas which are
predominantly inhibited by lower income groups..
AP State Police Housing Corp-Staff Quarters
Construction of Police staff quarters at Madhuban

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RURAL HOUSING
• Term loans for Housing in rural areas are offered to
Central and State Governments, parastatals bodies,
Corporates and Joint sector Agencies for construction
of Houses.
• HUDCO has emerged as a major player in housing
sector during the last five decades of operation.
• HUDCO through its project financing window has
so far extended financial assistance for the
construction of 11.29 million residential units (as on
31.03.2019) in the country under rural housing and
laid special emphasis to housing for under
privileged and poor in rural area.
• HUDCO offers softer financial terms to Economically
Weaker Section and Low Income Group housing which
includes lesser interest rates, larger extent of loan and
longer repayment period when compared with
financial assistance to other income group
categories. 17
Housing for HUDCO by Gautam Bhatia

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1) AcquisitionoflandandDevelopmentofplots
2) HousingforEWS/LIG/MIG/HIGandothercategories
3) StaffRentalHousing
4) Slumrehabilitation/in-situdevelopment/Slumupgradation
5) RepairsandRenewal
6) LoanstoApexCo-operativeHousingSocieties
7) FundingtoStateGovernments/UrbanLocalBodiesformeetingits
margin money in projects pertaining to Government of India Action Plan
Schemes.
HUDCO OFFERS FINANCIAL ASSISTANCE FOR FOLLOWING
HOUSING PROJECTS:-
EWS houses under PMAY in Andhra Pradesh
AP State Police Housing Corp-Staff Quarters
Andhra Pradesh Township &
Infrastructure Development Corp -
Tenali

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Pre-fabricated zero discharge toilet systrm at
Kumbh Mela, Allahabad
CSR Assistance – Installation of E-toilets with
SHE accessories in 15 locations by Greater
Hyderabad Municipal Corporation
The Scheme
COMMUNITY TOILETS
• The programme is for funding of construction of Community Toilets and Sanitation facilities for the
benefit of floating population and the public in general.
• The scheme is for construction of community toilets in Schools/Institutes/ Hospitals/busy market
places/Bus stands/Railway Stations/slums etc.
Community Pay and Use Toilets in Kota

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INFRASTRUCTURE BY HUDCO
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• HUDCO started a window for financing the development of on-site and off-
site infrastructure called 'Urban Infrastructure Finance Wing' in 1989-90.
• The priority sector infrastructure facilities include projects in the sectors
of water supply, sewerage, drainage, solid waste management, roads and
electricity in the urban areas.
• Later on development of social infrastructure facilities like play/primary
schools, working women hostels, health centre, play grounds, police stations,
courts, jails, crematorium etc were also included which are not financial
viable received benefit of funding at lower rate of interest.
• HUDCO provided long term loans (upto 20 years) to the ULBs for meeting the
capital requirement and moratorium during the construction period on cash
flow basis.
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INFRASTRUCTURE
Water Supply and Sewerage project
at Rajpura, Punjab
Construction of commercial cum
parking complex at Almora
Agunda Thati small Hydro Power
Project (3MW) , Uttrakhand

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• The main stress of HUDCO was on improving quality of life of the citizens
by providing the minimum municipal services to all.
• HUDCO was first to sanction the project of reuse of waste water in thermal
power project, energy and material recovery from municipal solid waste
through public private partnership etc.
• HUDCO has been actively participating in Government of india's action
plan schemes such as JnNURM, Smart Cities, Atal Mission for
Rejuvenation and Urban Transformation (AMRUT), Heritage City
Development and Augmentation Yojana (HRIDAY), Swachh Bharat Mission
(SBM) by providing viability gap funding to the States/ULBS.
BRTS project at Vijaywada
Sabarmati Riverfront Park,
Subhash Bridge at Riverfront
450MW Baghliar Hydro Electric
Power Project, Chanderkot, District
Ramban

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1. WaterSupply
2. Sewerage
3. Drainage
4. SolidWaste Management
5. RoadAndTransport
6. Power
7. SocialInfrastructure
8. CommercialInfrastructure
HUDCO OFFERS FINANCIAL ASSISTANCE FOR FOLLOWING
INFRASTRUCTURE PROJECTS:-

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WATER SUPPLY
• HUDCO has funded maximum number of water supply projects
in the country which include augmentation, rehabilitation,
extension as well as new schemes for un-serviced areas.
• HUDCO has funded development of source- barrage/river intake,
transmission lines, conventional treatment plants, storage facilities -
sumps, OHT (architectural designs), distribution network, pumping
stations, energy saving devises, water audits - leakage detection
systems, metering, aquifer recharge, etc.
• HUDCO has funded water supply projects to Water Supply &
Sewerage Boards of the States, ULBs, PHE departments,
Jeevan Pradhikaran, EPC contracts with Private participation,
Trusts, etc.
• HUDCO contribution has helped the Nation in increasing the
coverage of population with water supply of desirable quality
and quantity.
• The target now is to provide 100% continuous water supply to all
the urban population so that quality of water supply is improved and
overall cost at household level is reduced.
Water Supply and Sewerage project at Rajpura, Punjab
Ahmednagar Water Supply

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Hetwane DAM Water Supply Project
Overhead water tank, Infra. Dev. & Rehab at
MIHAN SEZ Nagpur by MADC
Godawari Drinking Water Supply, Hyderabad
Water supply distribution
network by Hyderabad
Metropolitan Water Supply
and Sewerage Board
Water supply at
Vijaywada

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SEWERAGE
• HUDCO has funded sewerage projects in the country which
include on-site individual facility like 2-pit pour flush units, septic
tanks, biogas digesters; or community facility on centralized or
decentralized manner like septic tanks, biogas digesters,
oxidation ponds, conventional sewage treatment plants with
laying of complete sewerage collection system and treating the
effluent to the required level.
• HUDCO has helped central government in implementation of toilet
facility at individual, community and public level under the
Action Plan programme of Basic Sanitation, Integrated Low Cost
Sanitation, VAMBAY, Foot Path Dwellers, Night Shelter Schemes
etc.
• The State governments have also been assisted in taking up
their own sanitation coverage drive where the central subsidy
was not available.
• HUDCO contribution has helped the Nation in increasing the
coverage of population with waste water treatment and supply of
desirable quality and quantity.
• The target now is to treat 100% waste water generated in the
urban areas and recycle at least 20% for non-potable purpose.
Water Supply and Sewerage project at Rajpura, Punjab
MAHAGENCO Sewerage

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DRAINAGE
•HUDCO has been promoting urban drainage projects as one of the important components of the basic
services.
•HUDCO has extended its financial assistance to project covering storm water drain in five towns of
Odisha namely Bhubaneswar, Cuttack, Berhampur, Rourkela and Sambalpur, drainage for flood affected
district in West Bengal, drainage networks in Jaipur and Lucknow etc.
•The implementing agencies for these projects are state PSUs, Centre PSUs, state level nodal department
such as Public Health Engineering Department, Irrigation department etc.

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SOLID WASTE MANAGEMENT
•HUDCO set up a Waste Management Cell in 1994 for promotion of
municipal waste management.
•HUDCO extended financial and technical assistance for integrated
solid waste management system which include computation of
capacity of vehicles required for waste collection and transportation;
establishment of bio-methananation/ RDF/ pellatization plants for
promotion of energy recovery; or
•selection of aerobic/ anaerobic composting plants for material recovery;
requirement of land for sanitary landfill to dispose the rejects in
environmentally appropriate manner.
•HUDCO also propagated separate handling of hazardous hospital
waste and transferring it to common incineration facility in the
ULB.
SHELTER is an official publication of HUDCO
This is October 2018 publication with theme of solid
waste management

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ROAD AND TRANSPORT
•HUDCO provides term loans for Roads, Bridges, Flyover, Railway
Overbridges, Subways, Bypasses, Transport Nagar/Terminals, Bus
Terminal, Parking complexes, Ports, Airport, Railways, Metro Rails,
Purchase of public transport vechicles (Buses), Bus Stops/stations,
Intelligent Traffic Management system etc.
•The eligible agencies include Central Government, State
Government/Public Sector Agencies, State Level Parastatal
Agencies etc.
POWER
•Under Power, HUDCO finance power generation, transmission and
distribution project to Government Agencies.
Agunda Thati small Hydro Power Project (3MW) ,
Uttrakhand
Ultra Mega Power Project (UMPP) at Mundra by
CGPL

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SOCIAL INFRASTRUCTURE
•HUDCO considers that social infrastructure is part of priority lending as it
directly affects the quality of life in the City
•.In the portfolio HUDCO has so far funded construction of National games
village, stadiums, sports complexes, shooting range, parks and play grounds,
health centre, government hospitals, working women hostel, school and colleges,
university, State vidhan sabha sadan, law chambers, police academy & stations,
fire stations, court / collectorate / office buildings. rehabilitation center,
auditoriums, convention halls, crematoriums, abattoirs etc.
•HUDCO has also extended loans for renovation / addition or expansion/
completion of incomplete works etc.
•The loans are mostly extended to government departments/ authorities/
agencies/ bodies.
COMMERCIAL INFRASTRUCTURE
•Office buildings, Shopping centers, Market complexes, Theatres /
Multiplexes / auditorial, Trade & business centers, Hotels etc.
Multipurpose Hall, Cultural Complex, Varanasi
CSR Skill Development Center - Ongole

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1. DPRs for Urban Resource Centre at Gangtok, Sikkim,
2. DPR for proposed skill-training-cum-marketing Centre at Itanagar
3. DPRs for Thane and Kolkata under BSUP, JNNURM
4. Draft Master Plans for eight cities in Bihar State
5. Slum-Free City Plan of Action for Kolkata under RAY
6. DPR for Pilgrim sites at Ranchi

34. THANK YOU