LIC Housing Finance Limited — PPTs, 31-01-2025: Investor Presentation

Q3 FY25 PAT reached ₹1,431.96 cr, marking a notable 23% increase from ₹1,162.88 cr in Q3 FY24. Total revenue from operations rose 4% to ₹7,057 cr. The outstanding loan portfolio expanded by 6% to ₹299,144 cr, with individual home loans increasing by 7% to ₹254,652 cr. Loan disbursements grew by 2% to ₹15,475 cr, though individual home loan disbursements dipped slightly to ₹12,248 cr.

Net interest income fell by 5% to ₹2,000 cr, leading to a reduction in net interest margins to 2.70% from 3.00% in the previous year. Stage 3 EAD improved to 2.75%, down from 4.26% in the prior period. The total ECL provision amounted to ₹4,974 cr, with a technical write-off of ₹174 cr and a sale of stressed exposure valued at ₹250 cr during the quarter. The overall performance suggests a positive trajectory amid challenging market conditions, warranting close observation for future growth opportunities.