LIC Housing Finance Limited — PPTs, 30-07-2026: Investor Presentation

LIC Housing Finance reported a strong Q1 FY27, with Profit After Tax (PAT) climbing 9.4% year-on-year to Rs. 1488.32 Cr. The total loan portfolio grew 4% to Rs. 322098 Cr, primarily driven by individual home loans. Overall disbursements saw a robust 14.5% jump to Rs. 15014 Cr, significantly boosted by a 459% surge in project finance and 20% growth in non-housing individual loans.

The company continues its focus on individual home loan growth, making up 84.4% of its portfolio. Asset quality showed improvement, with Stage 3 Exposure at Default (EAD) reducing to 2.14% from 2.62% YoY. Online loan approvals reached Rs. 782 Cr for the quarter.

Key metrics include an improved Return on Average Assets at 1.85% and a strong Capital Adequacy Ratio of 25.48%. EPS for the quarter was Rs. 27.06. A predominantly salaried customer base, conservative loan-to-value ratios, and 99% pure floating rate loans highlight a stable and resilient outlook.