LIC Housing Finance Limited — PPTs, 29-10-2025: Investor Presentation

**Business Performance:**

LIC Housing Finance reported Q2 FY26 Net Profit of Rs 1,353.87 Cr (up 2%) and total revenue of Rs 7,163 Cr (up 3%). The outstanding loan portfolio grew 6% to Rs 311,816 Cr, with individual home loans increasing 5% to Rs 264,096 Cr. Individual home loan disbursements were up 3% at Rs 13,490 Cr. Net Interest Income (NII) rose 3% to Rs 2,038 Cr. Asset quality improved, with Stage 3 assets reducing to 2.51%.

**Growth Drivers & Strategy:**

The company continues to expand its footprint with 307 Area Offices and leverages a diverse distribution network. Digital growth is evident, with Rs 4,125 Cr in online loan approvals in H1 FY26.

**Recent Developments:**

LICHF achieved significant milestones in 2025, crossing Rs 3 lakh Cr in loan portfolio and Rs 5,000 Cr in profit. It was also recognized as the Best Housing Finance Company at the Excellence Awards 2024-25 by NHB.

**Key Financial Metrics:**

Q2 FY26 Earnings Per Share (EPS) stood at Rs 24.61. Return on Average Equity was 15%, with a strong Total Capital Adequacy Ratio of 23.20% as of March 2025.