Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q3 FY2026 Earnings Presentation
23 slides from Lic Housing Finance's earnings presentation, Jan 30, 2026
Slide 1: Covering letter to stock exchanges for Q3 investor presentation
111:ICHFL LIC HOUSING FINANCE LTD 30 1h January, 2026 The Manager, The General Manager, Listing Department, Department of Corporate Services-Listing Dept., National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, 5 th Floor, 25th Floor, Phiroze Jeejeebhoy Towers, Plot No. C/1, G Block, Ba
Slide 2: Investor Update Q3 FY 2026
Investor Update Q3 FY 2026
Slide 3: LICHFL: A Journey of 36 Years
LICHFL: A Journey of 36 Years…… 2025 Crosses ₹ 3 lakh cr in portfolio & ₹ 5000 Cr Profit 2024 Crossed Rs. 4000 Cr in Profit 2019 Crossed ₹ 2,00,000 Cr in Assets & ₹ 2000 Cr Profit 2015 2022 Crosses ₹ 1 lakh cr Crossed ₹ 2,50,000 Cr in Assets in portfolio 2017 2011 Crossed ₹ 150,000 cr in Crossed ₹ a
Slide 4: Awards & Achievements
Awards & Achievements 2016 2017 2019 2022 Outlook Money-Best HFC Outlook Money-Best HFC’ Voted as the ‘Brand of “Best Organisation for the Decade 2019’ by Women 2022” award by Best HFC by ABP News Business Today BFSI BARC Asia ‘The Economic Times’ Asia Pacific Best CEO Entrepreneurship Award NSE for
Slide 5: Shareholding Pattern
Shareholding Pattern December 2025 Top 10 Shareholders MFs & Shareholder % others 23.82% Life Insurance Corporation of India 45.24% ICICI Prudential Asset Management Co. Ltd. 5.22% Mirae Asset Global Investments (India) Pvt. Ltd. 2.96% LIC 45.24% Kotak Mahindra Asset Management Company Limited 2.51%
Slide 6: Executive Summary – Q3 FY 2026
Executive Summary – Q3 FY 2026 ▪ Q3 FY26 PAT at Rs.1383.95 cr as against Rs 1431.96 cr ▪ Q3 FY26 Total Revenue from operations Rs.7187 cr as against Rs.7057 cr,up by 2% ▪ Outstanding Loan portfolio up by 5% to Rs.314268 cr ▪ Individual Home Loan Portfolio up by 4% to Rs. 265890 Cr ▪ Q3FY 26 Total Di
Slide 7: Update – Last 5 Years
Update- Last 5 Years Update – last 5 years Disbursement (Rs. Cr) CAGR 4% Loan Portfolio (Rs.cr) CAGR 7% 61848 64115 55223 58937 64022 350000 60000 275047 286844 307732 300000 232003 251120 50000 250000 40000 200000 30000 150000 20000 100000 10000 50000 0 0 2021 2022 2023 2024 2025 2021 2022 2023 202
Slide 8: Update – Last 5 Years
Update- Last 5 Years Update – last 5 years Stage 3- EAD% Total Provisions* (Rs cr) 7230 5% 4.64% 7500 4.12% 4.37% 5839 6270 6000 4899 4% 3971 3.31% 4500 3% 2.47% 3000 1500 2% 0 1% 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Operating Expense to Total Income Profit per employee (Rs. lacs) 250 2
Slide 9: Update – Last 5 Years
Update- Last 5 Years Update – last 5 years EPS (Rs) (Rs 2/- pd up) Book Value (Rs)(Rs 2/- pd up) 125 800 98.70 659.09 100 86.63 492.38 570.40 600 402.35 414.88 75 54.18 43.14 52.56 400 50 200 25 0 0 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Return on Avg Equity Return on Avg Loan Assets 20%
Slide 10: Large Geographic Presence
Large Geographic Presence • 10 Regional Offices Corporate office • 23 Back Offices Regional offices Amritsar Jalandhar Back offices Operating offices • 39 Cluster Offices Shimla • 303 Area Offices Ludhiana Ambala Chandigarh Bhatinda Patiala Dehradun Hisar Noida Karnal • Rep office in Dubai Meerut Ha
Slide 11: Distribution Network
Distribution Network Distribution Network HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (DSAs) (Small Firms/Companies etc) CUSTOMER RELATIONS 303 ASSOCIATES (CRAs) (Individual Agents of the Company) Marketing Offices 46 branches of LICHFL Financial Services (100% subsidiary of LICHFL)
Slide 12: Origination Pattern & Average Ticket Size
Origination PatternOrigination & AveragePattern Ticket & Size Average Ticket Size Customer Type (No.) Originations by source 14% 17% 1% 1% 3% 57% 86% 21% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 35.0 43% ₹ 30.0 57% 84 219
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project NHC-Others NHC-Project Loans 1.7% Loans NHC-Others 2.9% 2.8% 1.6% Non-Housing Individual 10.3% Non-Housing Individual 11.0% Individual Home Individual Loans Home Loans 85.1% 84.6% 31.12.2024 31.12.2025 O/s Portfolio Rs. 299144 cr O/s Portfolio
Slide 14: Individual Loans – Portfolio Stats
Individual Loans – Portfolio IndividualStats Loans – Portfolio Stats Pure Floating Rate Loans Loan To Value Ratio To Outstanding Portfolio On Incremental Sanctions As of FY24 99% For FY24 52% As of FY25 99% For FY25 50% As of 9MFY26 99% For 9MFY26 48% Prepayment Installment to Net Income Ratio Lump
Slide 15: Financial Highlights
Financial Highlights Financial Highlights Q3FY2026 Q3FY2025 Return on Average Equity (%) 14.5% 17% Return on Average Assets (%) 1.77% 1.93% Earnings per share (on Rs 2 pd up) 25.16 26.03 Capital Adequacy Ratio Sept 2025 Sept 2024 Tier I 22.79 20.00 Tier II 1.43 1.49 Total 24.22 21.49 14
Slide 16: Executive Summary – Q3/FY2026
Executive Summary –Executive Q3/FY2026Summary-Q4/FY23 Rs. cr Particulars Var Q3 Q3 Var 9M 9M FY26 FY25 FY26 FY25 Revenue from Operations 2% 7186.98 7057.33 4% 21583.43 20766.81 Finance cost -0.2% 4942.13 4951.48 3% 14984.49 14581.11 Net Interest Income 5% 2101.72 2000.13 4% 6205.96 5963.07 Impairmen
Slide 17: Executive Summary – Q3/FY2026 Disbursements and Portfolio
Executive Summary Executive – Q3/FY2026 Summary – Q4/FY23 Rs. cr Q3 Q3 Particulars Var Var 9MFY26 9MFY25 FY26 FY25 Disbursements Individual Housing Loan (IHL) 7% 13094 12248 4% 37831 36231 Non-Housing Individual (NHI) 10% 2304 2094 17% 6288 5384 Non-Housing Corporate (NHC) -23% 115 150 -17% 289 350
Slide 18: Liability Profile
Liability Profile Liability Profile as on 31.12.2025 Source Wtd Outstanding Borrowings – Rs. 272052 cr Avg Others Deposits 4% 3% Cost NHB (%) 5% Bank (including NHB) 6.69% Bank Non Convertible Debenture 7.73% 38% Tier II 7.30% Commercial Paper 7.68% Deposits 7.41% PTC 7.51% NCD 50% Total 7.28% Durin
Slide 19: Change in Liability Mix
Change in Liability Mix Change in Liability Mix- last 4 yrs 100% Bank funding has 90% reduced from 80% 32% in FY12 to 25% in FY14. 70% Retail Deposits 60% increased to 2.2% 50% 40% Others 30% Deposit 20% NHB 10% Bank 0% NCD FY24 FY25 Q1FY26 Q2FY26 Q3FY26 7.76% 7.73% 7.50% 7.42% 7.28% Wtd. Avg. cost
Slide 20: Yield & Cost of Funds on Portfolio
Yield & Cost of Funds on&portfolio Yield Cost of Funds on portfolio 12.00% 9.73% 10.00% 9.33% 7.78% 8.00% 7.28% 6.00% 4.00% 2.00% 0.00% 9MFY25 9MFY26 Yield on Advances on 9.73% 9.33% Portfolio Wtd Avg cost of funds on 7.78% 7.28% Total Borrowed Funds 19
Slide 21: NIMs
NIM’s NIMs 4.00% 3.50% 2.86% 3.00% 2.62% 2.68% 2.69% 2.50% 2.00% 1.50% 1.00% Q1FY 26 Q2FY 26 Q4FY Y25 Q3FY26 20
Slide 22: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default Dec-25 Dec-24 % Stage 1 94.47% 93.25% Stage 2 3.08% 4.00% Stage 3 2.45% 2.75% Total 100 % 100% ECL Provision Dec-25 Dec-24 Stage 1 Rs. 598 cr Rs. 509 cr Stage 2 Rs. 308 cr Rs. 560 cr Stage 3 Rs. 4199 cr Rs. 3905 cr Stage 3-PCR 54
Slide 23: Thank you
Thank you DISCLAIMER This presentation is made purely for information. We have attempted to provide relevant information which we believe will help in knowing the Company. The users may use their own judgment and are advised to make their own calculations before deciding on any matter based on the i
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