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LIC Housing Finance Results: Latest Quarterly Results & Analysis

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LIC Housing Finance Ltd. 30 Oct 2025 11:33 AM
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Q2FY26 Quarterly Result Announced for LIC Housing Finance Ltd.

LIC Housing Finance announced Q2FY26 results

  • Net Interest Income (NII) stood at Rs 2,038 crore, as against Rs 1,974 crore for the same period in the previous year. Net interest margin (NIM) for the quarter stood at 2.62 % as against 2.71 % for Q2FY25 and 2.68 % for Q1FY26.
  • Profit Before Tax for the quarter was Rs 1,704.71 crore as against Rs 1,664.36 crore in Q2 FY2025, a growth of 2 %.
  • Net profit after tax stood at Rs 1,353.87 crore, as compared with Rs 1,328.89 crore during the same period in the previous year, showing a growth of 2 %.
  • The Loan Portfolio stood at Rs 3,11,816 crore as against Rs 2,94,588 crore on September 30, 2024, a growth of 6 %. Out of which Individual Home Loans grew by 5 % from Rs 2,50,879 crore to Rs 2,64,096 crore as on September 30, 2025.
  • Under IndAS 16, asset classification and provisioning changes for future credit loss are reported on an Expected Credit Loss(ECL) basis. As per the same methodology, the provisions for ECL stood at Rs 5,074 crore with a coverage of 53% on Stage 3 as on September 30, 2025, as against Rs 5,458 crore as on September 30, 2024. During the quarter, the Company has done a technical write-off of Rs 133 crore.
  • The Stage 3 exposure on default as on September 30, 2025 stood at 2.51 % as against 3.06% as on September 30, 2024 and 2.62 % as on June 30, 2025.

Tribhuwan Adhikari, Managing Director & Chief Executive Officer, LIC Housing Finance, said: “Our Q2FY26 results reflect a continued momentum within the housing finance sector, and we anticipate a positive business growth during the current financial year due to lower interest rates, improved sentiments and a favourable macroeconomic environment. With partnerships, AI-enabled workflows and our single-product focus, we’re transforming home-finance into a seamless digital journey for India’s next-generation home-buyers. As we move ahead, our focus remains on the affordable and mid-segment housing markets, which continue to benefit from supportive government initiatives such as PMAY 2.0. Wishing everyone a very happy festive season.”

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LIC Housing Finance announced Q1FY26 results

  • Total disbursements were at Rs 13,116 crore in Q1FY26, as against Rs 12,915 crore for Q1FY25, up by 2%. Out of this, disbursements in the Individual Home Loan segment were at Rs 11,247 crore against Rs 10.932 crore in Q1FY25, up by 3%, whereas Project loans were at Rs 156 crore compared with Rs 521 crore in Q1FY25.
  • The company's revenue from operations grew to Rs 7,233.13 crore as against Rs 6,783.67 crore in Q1FY25, up by 7%.
  • Net Interest Income (NII) stood at Rs 2,065.78 crore, as against Rs 1,989.08 crore for Q1FY25. Net Interest Margin (NIM) for the quarter stood at 2.68 % as against 2.76% for Q1FY25.
  • Profit Before Tax for the quarter was Rs 1,699.16 crore as against Rs 1,628.43 crore in Q1FY25, an increase of 4%.Net Profit After Tax stood at Rs 1,359.92 crore compared with Rs 1300.21 crore during Q1FY25, an increase of 5%.
  • The Individual Home Loan portfolio stood at Rs 2,62,411 crore as on June 30, 2025, as against Rs 2,46,275 crore as on June 30, 2024, up by 7%. The Project loan portfolio stood at Rs 8,950 crore as on June 30, 2025, as against Rs 8,099 crore as on June 30, 2024, up by 10%. The total outstanding portfolio grew by 7% to Rs 3,09,587 crore from Rs 2,88,665 crore in the earlier year.

Tribhuwan Adhikari, Managing Director & Chief Executive Officer, LIC Housing Finance, said: "We reached a significant milestone, when our company completed 36 years recently. Over the years we have had unwavering dedication to facilitating homeownership throughout India. The current year has started off strongly as we reduced the lending rates during this quarter in view of RBI rate cut. Additionally, we also introduced zero processing fee, in order to ease access to housing credit. Continuing our journey to transform the customer experience, we launched our updated website, which provides a smooth, tech-enabled experience. With increasing urbanization and government incentives like PMAY, affordable housing remains a key segment, for which we expect strong momentum in the current financial year.”

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Housing Finance company LIC Housing Finance announced Q4FY25 & FY25 results

Q4FY25 Financial Highlights:

  • Total disbursements were at Rs 19,156 crore, in Q4FY25, as against Rs 18,232 crore, for the corresponding period in FY 2024, up by 5%.
  • The company's revenue from operations grew to Rs 7,283.33 crore, as against Rs 6,936.41 crore, in Q4FY24, a growth of 5%.
  • Net Interest Income (NII) stood at Rs 2,166.44 crore, as against Rs 2,237.60 crore, for the same period in the previous year. Net Interest Margin (NIM) for the quarter stood at 2.86 % as against 3.15% for Q4FY24 and 2.70% for Q3FY25.
  • Profit Before Tax for the quarter was Rs 1,769.58 crore, as against Rs 1,476.18 crore, in Q4FY24, a growth of 20%.
  • Net Profit After Tax stood at Rs 1,367.96 crore, compared with Rs 1,090.82 crore, during the same period in the previous year, up by 25%.
  • The Individual Home Loan portfolio stood at Rs 2,61,562 crore, as on March 31, 2025, as against Rs 2,44,205 crore as on March 31, 2024, up by 7%.

FY25 Financial Highlights:

  • For the year ended March 31, 2025, total disbursements stood at Rs 64,022 crore, against Rs 58,937 crore, for the same period of the previous year, up by 9%.
  • The company’s revenue from operations stood at Rs 28,050.14 crore, as against Rs 27,228.22 crore, for the year ended March 31, 2024, up by 3%
  • Net Interest Income (NII) for 12 months stood at Rs 8,129.51 crore,,from Rs 8,650.89 crore, during the previous year.
  • Profit Before Tax (PBT) for FY 2025 was at Rs 6,855.81 crore, against Rs 6,053.92 crore, during the previous year, up by 13%.
  • Net Profit After Tax for the year ended March 31, 2025, was Rs 5,429.02 crore, as against Rs 4,765.41 crore, during the same period in the previous year, up by 14%.
  • Net Interest Margin (NIM) for FY25 stood at 2.73% as against 3.08% for the previous year.
  • Earnings Per Share (EPS) for the full year, FY2025 was at Rs 98.70 per share (Share of Rs 2 Face Value) as against Rs 86.63 in FY24.

Speaking on the performance, Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance said, "The housing finance sector has been witnessing strong credit growth with tier-2 and tier-3 cities as main drivers. This has provided a momentum to our efforts towards deeper penetration and improving financial inclusion across the country. Our constant focus towards customer service, effective cost management and improvement in asset quality have contributed to stable margins and improved profitability. As we move into the next fiscal, we remain optimistic about our industry growth, especially in the affordable segment. This should give us a positive road map over the upcoming 12 months.

LIC Housing Finance Ltd. is the largest housing finance company in India. It has one of the widest networks of offices across the country and representative office in Dubai. In addition, the Company also distributes its products through branches of its subsidiary LIC HFL Financial Services Ltd. LIC Housing Finance Ltd was promoted by Life Insurance Corporation in 1989 and a public issue was made in 1994. It launched its maiden GDR offering in 2004. The company enjoys the highest rating from CRISIL & CARE indicating highest safety regarding the ability to service interest and repay principal.

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Housing Finance company LIC Housing Finance announced Q3FY25 results

  • Total disbursements were Rs 15,475 crore in Q3FY25 as against Rs 15,184 crore for Q3FY24, up by 2 %. Out of this, disbursement in the Individual Home Loan segment stood at Rs 12,248 crore against Rs 12868 crore, whereas project loans were Rs 983 crore compared with Rs 375 crore for Q3FY24, up by 162%.
  • The Company's Revenue from operations was Rs 7,057 crore as against Rs 6,792 crore, a growth of 4 %. Net Interest Income (NII) was Rs 2,000 crore, as against Rs 2,097 crore for Q3FY24.
  • Net Profit after tax stood at Rs 1,431.96 crore compared with Rs 1,162.88 crore during Q3FY24, up by 23 %. The Individual Home loan portfolio stood at Rs 2,54,652 crore as against Rs 2,38,499 crore, a growth of 7 %. Project Loan portfolio stood at Rs 8,776 crore as on December 31, 2024, as against Rs 8,569 crore as on December 31, 2023, up by 2%. Total outstanding portfolio grew by 6 % to Rs 2,99,144 crore from Rs 2,81,206 crore.
  • Net Interest Margin (NIM) for Q3FY25 was 2.70 % as against 3.00 % in December 31, 2023 and 2.71% for September 30, 2024. Under IndAS 16, asset classification and provisioning changes for future credit loss are reported on an Expected Credit Loss (ECL) basis.
  • As per the same methodology, the provisions for ECL stood at Rs 4,974 crore as on December 31, 2024 with a coverage of 48 %, as against Rs 6890 crore as on December 31, 2023 and Rs 5,458 crore as on September 30, 2024. The stage 3 exposure at default as on December 31, 2024 stood at 2.75 % as against 4.26 % as on December 31, 2023 and 3.06 % as on September 30, 2024.

Tribhuwan Adhikari, Managing Director & Chief Executive Officer, LIC Housing Finance, said: Overall performance in Q3 has been encouraging. Our unwavering commitment centers around customer-focused innovations, diversified product offerings, and an enhanced customer experience to meet our clients' evolving needs. The affordable housing segment continues to be our key focus area and hopefully, there will be a positive thrust from the government in the forthcoming budget. JanFeb-March is the most important business period for our company and we expect to close the financial year with healthy numbers.

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Housing Finance company LIC Housing Finance announced Q1FY25 results:

  • Total disbursements were at Rs 12,915 crore in Q1FY25, as against Rs 10,856 crore for the corresponding period in FY 2024, up by 19%. Out of this, disbursements in the Individual Home Loan segment were at Rs 10,932 crore against Rs 9,419 crore in Q1FY24, up by 16%, whereas Project loans were at Rs 521 crore compared with Rs 251 crore in Q1FY24, up by 108%.
  • The company's revenue from operations grew to Rs 6,783.67 crore as against Rs 6,746.51 crore in Q1FY24.
  • Net Interest Income (NII) stood at Rs 1,989.08 crore, as against Rs 2,209.44 crore for the same period the previous year. Net Interest Margin (NIM) for the quarter stood at 2.76% as against 3.21% for Q1 FY 2024 and 3.15% for Q4 FY 2024.
  • Profit Before Tax for the quarter was Rs 1,628.43 crore as against Rs 1,648.99 crore in Q1FY24. As compared to Q4 FY24, there is an increase of 10%.
  • Net Profit After Tax stood at Rs 1,300.21 crore compared with Rs 1,323.66 crore during the same period in the previous year, however sequentially it has increased by 19%. 
  • The Individual Home Loan portfolio stood at Rs 2,46,275 crore as on June 30, 2024, as against Rs 2,31,087 crore as on June 30, 2023, up by 7%. The Project loan portfolio stood at Rs 8,099 crore as on June 30, 2024, as against Rs 11,321 crore as on June 30, 2023. The total outstanding portfolio grew by 4% to Rs 2,88,665 crore from Rs 2,76,440 crore in the earlier year.
  • As per the same methodology, the provisions for ECL stood at Rs 5,670.07 crore as on June 30, 2024, as against Rs 7,590.68 crore as on June 30, 2023. The Stage 3 Exposure at Default as of June 30, 2024, stood at 3.30% against 4.96% as of June 30, 2023. 

Speaking of the performance,Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance said, "Following the technology upgrades and organizational restructuring, we are now fully equipped to aim for faster growth especially in individual housing loan segment. The recent Union Budget has given a positive impetus to our sector with its continued focus on infrastructure development and affordable housing. It is expected to significantly enhance housing demand and foster socio-economic growth. In the current financial year, we also anticipate a gradual downtrend in interest rates, which will further accelerate demand in the sector."

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Housing Finance company LIC Housing Finance announced Q4FY24 & FY24 results:

Q4FY24 Financial Highlights:

  • Total disbursements were at Rs 18,232 crore in Q4FY24, as against Rs 16,027 crore for the corresponding period in FY23, up by 14%.
  • Out of this, disbursements in the Individual Home Loan segment were at Rs 14,300 crore against Rs 12,406 crore in Q4FY23,up by 15%, whereas Project loans were at Rs 1,501 crore compared with Rs 1,554 crore in Q4FY23.
  • The company's revenue from operations grew to Rs 6,936.41 crore as against Rs 6,415.11 crore in Q4FY23, a growth of 8%.
  • Net Interest Income (NII) rose by 12% to Rs 2,237.60 crore, as against Rs 1,990.30 crore for the same period the previous year. Net Interest Margin (NIM) for the quarter stood at 3.15% as against 2.93% for Q4FY23.
  • Profit Before Tax for the quarter was Rs 1,476.18 crore as against Rs 1,444.78 crore in Q4FY23, a growth of 2%.
  • Net Profit After Tax stood at Rs 1,090.82 crore compared with Rs 1,180.28 crore during the same period in the previous year.
  • The Individual Home Loan portfolio stood at Rs 2,44,205 crore as on March 31, 2024, as against Rs 2,28,730 crore as on March 31, 2023, up by 7%. The Project loan portfolio stood at Rs 8,036 crore as on March 31, 2024, as against Rs 11,738 crore as on March 31, 2023.
  • The total outstanding portfolio grew at 4 % to Rs 2,86,844 crore from Rs 2,75,047 crore in the earlier year. Under IndAS , asset classification and provisioning changes for future credit loss are reported on an Expected Credit Loss (ECL) basis.
  • As per the same methodology, the provisions for ECL stood at Rs 6,270.06 crore as on March 31, 2024, as against Rs 7,230.26 crore as on March 31, 2023. The Stage 3 Exposure at Default as of March 31, 2024, stood at 3.31% against 4.37% as of March 31, 2023.

FY24 Financial Highlights:

  • For FY24, total disbursements stood at Rs 58,937 crore against Rs 64,115 crore for the same period of the previous year. Out of this, the individual home loan segment registered disbursements of Rs 49,103 crore, as against Rs 53,459 crore for the same period of the previous year, whereas total disbursements under project loans stood at Rs 2,560 crore as against Rs 2,697 crore for the previous fiscal.
  • The company’s revenue from operations stood at Rs 27,228.22 crore as against Rs 22,656.95 crore for the year ended March 31, 2023, up by 20%
  • Net Interest Income (NII) for 12 months was up by 37% to Rs 8,650.89 crore from Rs 6,330.26 crore during the previous year.
  • Profit Before Tax (PBT) for FY 2024 was at Rs 6,053.92 crore against Rs 3,557.00 crore during the previous year, up by 70%.
  • Net Profit After Tax for the year ended March 31, 2024, was Rs 4,765.41 crore as against Rs 2,891.03 crore during the same period in the previous year, up by 65%.
  • Net Interest Margin (NIM) for FY24 stood at 3.08% as against 2.41% for the previous year.
  • Earnings Per Share (EPS) for the full year, FY2024 was at Rs 86.63 per share (Share of Rs 2 Face Value) as against Rs 52.56 in FY23.
  • The Board of Directors have recommended a dividend of 450%.

Speaking on the performance, Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, “We have seen a healthy uptick across all home loan segments, especially during the latter half of the year. Our focus on reduction in NPA and control over cost of funds have enabled us to close the year with a record high margins and profits. In the coming year , we are confident of further improvement in all areas of operations.”

Result PDF

LIC Housing Finance announced Q3FY24 results:

  • Total disbursements were Rs 15,184 crore in Q3FY24 as against Rs 16,100 crore for the corresponding period in FY23.
    • Out of this, disbursement in the Individual Home Loan segment stood at Rs 12,868 crore against Rs 13,580 crore, whereas project loans were Rs 375 crore compared with Rs 427 crore for the same quarter in the previous year.
  • The Company's Revenue from operations was Rs 6,792 crore as against Rs 5,871 crore, a growth of 16%.
  • Net Interest Income (NII) was Rs 2,097 crore, as against Rs 1,598 crore for the same period in the previous year, up by 31%.
  • Net Profit after tax stood at Rs 1,162.88 crore compared with Rs 480.30 crore during the same period in the previous year, up by 142%.
    • Individual Home loan portfolio stood at Rs 2,38,499 crore as against Rs 2,23,064 crore, a growth of 7%.
    • Project Loan portfolio stood at Rs 8,569 crore as of December 31, 2023, as against Rs 10,857 crore as of December 31, 2022.
    • Total outstanding portfolio grew by 5 % to Rs 2,81,206 crore from Rs 2,68,444 crore.
  • Net Interest Margin (NIM) for the quarter ended December 31, 2023, was 3.00% as against 2.41% on December 31, 2022. Under lndAS 16, asset classification and provisioning changes for future credit loss are reported on an Expected Credit Loss (ECL) basis.
  • As per the same methodology, the provisions for ECL stood at Rs 6,890 crore as of December 31, 2023, with a coverage of 48%, as against Rs 7,285.09 crore as of December 31, 2022, and Rs 6,512 crore as of September 30, 2023.
    • The stage 3 exposure at default as of December 31, 2023, stood at 4.26% as against 4.75 % as of December 31, 2022, and 4.33% as of September 30, 2023.

Speaking on the performance, Shri. Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance said, "The outlook for the housing market is robust due to pause in the rate-hike cycle, in addition to strong economic growth. The infrastructure push initiated by the government has resulted in improved demand across the country. Affordable housing segment remained strong in tier-2 and tier-3 markets. We remained focused on this segment, as it gives an opportunity to millions of aspiring Indians to own their home with a moderate budget. In addition to business growth, our endeavour has been to improve service standards through the ongoing digital transformation of our processes. Jan-Feb-March are usually the most important business months for us and going by the current trends, we expect to close this financial year with healthy numbers."

 

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