| Margins | NIM decreased to 2.58% from 2.68% YoY. |
|---|---|
| Order book | Outstanding loan portfolio up 4% YoY to Rs. 3,22,098 cr. |
| Demand visibility | Strong growth in individual housing and project finance disbursements. |
Growth
Revenue fell 1% YoY to Rs. 7,062 cr. Total disbursements up 14.5% to Rs. 15,014 cr.
Outlook
Focus on individual housing loans (84% of book) and expanding geographic presence via 303 marketing offices.
Risks
NIMs compressed to 2.58% from 2.68% YoY. Yield on advances fell to 9.12% from 9.60%.
Last quarter's promises, checked
Delivered
- Guided 2.6%-2.8% NIM → delivered 2.62% (= BEAT)
- Guided credit costs within 15 bps → delivered 11 bps (= BEAT)
- Guided Stage-3 resolution → delivered Stage-3 EAD 2.14% vs 2.51% (= BEAT)
Partly delivered
- Guided 15% business from LICHFL FSL → delivered 10% (= PARTIAL)
Missed
- Guided double-digit loan growth → delivered 4% (= MISS)
- Guided Rs. 5000cr project finance business → delivered Rs. 872cr in Q1 (= MISS)
Investor Presentation filed with NSE, NSE: LICHSGFIN. Summary written with AI assistance from the document.
LIC Housing Finance Ltd: key numbers
- Share price
- ₹515.40
- Market cap
- ₹28,350 Cr
- Revenue (annual)
- ₹28,837 Cr
- Net profit (annual)
- ₹5,604 Cr
- P/E (TTM)
- 4.9×Sector 21.9×
- Promoter holding
- 45.24%+0.00% QoQ
- FII holding
- 21.47%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from LIC Housing Finance Ltd
All →LIC Housing Finance Annual General Meeting
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- Value
- ₹2,000 Cr
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LIC Housing Finance Debt & Borrowing
LIC Housing Finance Limited filed a Security Cover Certificate, reporting a security cover ratio of 1.23 as of 30th June 2026.