LIC Housing Finance Limited — PPTs, 01-08-2025: Investor Presentation

**Financial Highlights:**

LIC Housing Finance reported Q1 FY26 PAT of ₹1,359.92 Cr (+5% YoY) on Total Revenue of ₹7,233 Cr (+7% YoY). The loan portfolio grew 7% to ₹3,09,587 Cr. Net Interest Income increased 4% to ₹2,065.78 Cr, with Net Interest Margins at 2.68%. Asset quality notably improved, with Stage 3 EAD at 2.62% (down from 3.30% YoY), supported by a PCR of 50.81%. Capital Adequacy remains strong at 23.20%.

**Strategic Initiatives & Growth Drivers:**

The company continues its footprint expansion, now with 307 area offices and 2,485 employees. Digital adoption is evident with ₹2,363 Cr in online loan approvals this quarter. Strategic liability management efforts reduced the weighted average cost of funds to 7.50% (incremental cost at 6.97%), signaling improved cost efficiency. The portfolio maintains 99% pure floating rate loans.

**Business Developments:**

Individual Home Loans constitute 84.8% of the robust ₹3,09,587 Cr loan book. The incremental average ticket size increased to ₹31.0 lacs. Originations are diversified, with 89% from salaried customers and 44% from top 8 cities.

**Market Position & Competitive Advantage:**

LIC Housing Finance demonstrates significant scale, having crossed ₹3 lakh crore in portfolio and ₹5,000 Cr in profit. Its extensive geographic reach and substantial backing from LIC (45.24% stake) provide a strong competitive edge.

**Investor Implications:**

The company shows stable financial performance with consistent growth in core metrics and notable asset quality improvement. Efficient cost management and robust capital adequacy present an encouraging outlook for sustained growth potential.