LIC Housing Finance Limited — PPTs, 13-05-2026: Investor Presentation

LIC Housing Finance delivered a solid Q4 and full-year FY26 performance. Full-year profit reached Rs 5,595.15 Cr, up 3%, while Q4 profit saw a 9% jump to Rs 1,497.41 Cr. The total loan portfolio has steadily grown, crossing Rs 3.2 lakh Cr.

Disbursements were robust, surging 10% in Q4 to Rs 21,019 Cr, significantly boosted by a 25% increase in Non-Housing Individual loans. For the full year, total disbursements grew 4% to Rs 66,544 Cr. The company is expanding its reach with 303 offices and saw Rs 6,530 Cr in online loan approvals for FY26, indicating a strong digital push.

Asset quality improved notably, with Stage 3 bad loans (EAD) falling to 2.16% from 2.47%, and total provisions reducing. While Net Interest Margins (NIMs) saw a slight dip to 2.80% in Q4 and 2.68% for FY26, the Capital Adequacy Ratio remains healthy at 24.22%. Earnings per share (EPS) rose to Rs 101.72, and the board proposed a dividend of Rs 10.00 per share.