| Affordable Housing Finance | Long-term loans and subsidies for EWS/LIG housing under government schemes like PMAY. | Government ownership, strong trust, exclusive backing for housing loans. | Primarily government bodies, urban local bodies, and individual low-income homebuyers (B2G and B2C). | Retail loans under HUDCO Niwas with higher spreads. | 3500 | 35 | Interest income from loans, government counterpart funding, and loan processing fees. | Competitive interest rates with subsidy structures under flagship housing programs. | Government subsidies, affordable housing demand, PMAY expansion. | HUDCO Niwas retail home loans |
| Urban Infrastructure Finance | Project loans for urban development sectors including water, transport, energy, and social infrastructure. | Strong government relationships, highest credit rating enabling low-cost borrowing. | State and local governments, public agencies (B2G). | Renewable energy and metro rail project financing. | 5500 | 55 | Interest from project loans, consultancy fees for project design and monitoring. | Long-term fixed and floating rate loans based on project and credit appraisal. | Increased urbanization, flagship government missions like Jal Jeevan, AMRUT, Smart Cities. | Loans for water supply, transport, power, roads, social and commercial infrastructure |
| Consultancy and Capacity Building | Training professionals, project consultancy in urban planning, architecture, environmental engineering. | Institutional expertise, government linkage, pan-India reach. | Government departments, urban local bodies, international agencies (B2G and B2B). | Specialized architectural and environmental consulting. | 500 | 5 | Fee-based consultancy services and training programs. | Project-based fees and training program charges. | Government demand for capacity building and urban infrastructure studies. | Human Settlement Management Institute training; Architectural and environmental consultancy |
