LIC Housing Finance Limited — PPTs, 30-01-2026: Investor Presentation

LIC Housing Finance results for the quarter show revenue up 2% to Rs 7,187 Cr, though net profit saw a slight 3% dip YoY to Rs 1,384 Cr. For the nine-month period, profit rose 1% to Rs 4,098 Cr. The total loan book expanded 5% to Rs 314,268 Cr. Individual home loan disbursements jumped 7%, and non-housing individual loans grew 10% for the quarter, offsetting a drop in project finance.

The company is expanding its wide network and leveraging online loan approvals, which hit Rs 5,229 Cr this year. It's also sharpening focus on cost efficiency, with the average cost of funds decreasing. Asset quality improved, with Stage 3 assets (bad loans) reducing to 2.45% from 2.75% last year, signaling stronger portfolio health. Net Interest Income grew 5% to Rs 2,102 Cr, with a Net Interest Margin of 2.69%. Capital Adequacy Ratio strengthened significantly to 24.22%.