Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q2 FY2026 Earnings Presentation
22 slides from Lic Housing Finance's earnings presentation, 2025
Slide 1: Investor Update Q2 FY 2026
Investor Update Q2 FY 2026
Slide 2: 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 3: 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 4: Shareholding Pattern
Shareholding Pattern September 2025 Top 10 Shareholders MFs & Shareholder % others 24.23% Life Insurance Corporation Of India 45.24% ICICI Prudential Asset Management Co. Ltd. 3.96% Kotak Mahindra Asset Management Company 3.95% LIC Limited 45.24% Mirae Asset Global Investments (India) Pvt. Ltd. 2.42
Slide 5: Executive Summary – Q2 FY 26
Executive Summary – Q2 FY 26 ▪ Q2 FY26 PAT at Rs.1353.87 cr as against Rs 1328.89 cr, up by 2%. ▪ Q2 FY26 Total Revenue from operations Rs.7163 cr as against Rs.6926 cr. up by 3%. ▪ Outstanding Loan portfolio up by 6% to Rs. 311816 cr. ➢Individual Home Loan Portfolio up by 5 % to Rs. 264096 Cr. ▪ Q2
Slide 6: 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 7: 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 8: 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 9: 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 10: 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) DIRECT MARKETING EXEC
Slide 11: Origination Pattern & Average Ticket Size
Origination Pattern & Average Ticket Size Customer Type (No.) Originations by source 13% 16% 1% 5% 3% 55% 87% 20% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) 44% ₹ 30.0 56% 84 219 Offices Offices ₹ 20.0 ₹ 10.0 H1FY25 H1FY26 To
Slide 12: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project Loans NHC-Others NHC-Project 3.0% 1.9% Loans NHC-Others 2.8% 1.6% Non-Housing Individual 9.9% Non-Housing Individual 10.9% Individual Home Loans Individual 85.2% Home Loans 84.7% 30.09.2024 30.09.2025 O/s Portfolio Rs. 294588 cr O/s Portfolio R
Slide 13: Individual Loans – Portfolio Stats
Individual Loans – Portfolio Stats Individual 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 H1FY26 99% For H1FY26 49% Prepayment Installment to Net Income Ratio Lump
Slide 14: Financial Highlights
Financial Highlights Financial Highlights Particulars Q2FY2026 Q2FY2025 Return on Average Equity (%) 15% 16% Return on Average Assets (%) 1.74% 1.82% Earnings per share (on Rs 2 pd up) 24.61 24.16 Capital Adequacy Ratio March 2025 Sept 2024 Tier I 21.70 20.00 Tier II 1.50 1.49 Total 23.20 21.49 14
Slide 15: Executive Summary – Q2/FY26
Executive Summary – Q2/FY26 Particulars Var Q2 Q2 Var H1 H1 FY26 FY25 FY26 FY25 (Rs. Cr) (Rs. Cr) (Rs. (Rs. Cr) Cr) Revenue from Operations 3% 7163.32 6925.81 5% 14396.45 13709.48 Finance cost 2% 4995.08 4879.58 4% 10042.36 9629.63 Net Interest Income 3% 2038.46 1973.86 4% 4104.24 3962.94 Impairment
Slide 16: Executive Summary – Q2/FY26
Executive Summary – Q2/FY26 Rs. cr Q2 Q2 Particulars Var Var H1FY26 H1FY25 FY26 FY25 Disbursements Individual Housing Loan (IHL) 3% 13490 13051 3% 24737 23983 Non-Housing Individual (NHI) 23% 2338 1896 21% 3985 3290 Non-Housing Corporate Loan (NHC) -19% 107 132 -14% 173 200 Project Finance (PF) -73%
Slide 17: Liability Profile
Liability Profile Liability Profile As on 30.09.2025 Wtd Outstanding Borrowings – Rs. 272458 cr Source Avg Others Deposits 4% 4% Cost NHB (%) 4% Bank (including NHB) 6.95% Bank 35% Non Convertible Debenture 7.75% Tier II 7.30% Commercial Paper 7.44% Deposits 7.52% PTC 7.51% NCD Total 7.42% 53% Durin
Slide 18: Change in Liability Mix- last 4 yrs.
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 FY23 FY24 FY25 Q1 FY 26 Q2FY26 Wtd. Avg. cost 7.63% 7.76% 7.73% 7.50% 7.42% of Funds 18
Slide 19: Yield & Cost of Funds on Portfolio
Yield & Cost of Funds on Portfolio 12.00% 9.77% 10.00% 9.40% 8.00% 7.73% 7.42% 6.00% 4.00% 2.00% 0.00% H1FY25 H1FY26 Yield on Advances 9.77% 9.40% Wtd Avg Cost of Funds 7.73% 7.42% 19
Slide 20: NIMs
NIM’s NIMs 4.00% 3.50% 3.00% 2.86% 2.70% 2.68% 2.62% 2.50% 2.00% 1.50% 1.00% Q4FY 25 Q3FY Y25 Q2FY26 Q1 FY 26 20
Slide 21: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default % Sept-25 Sept-24 Stage 1 94.11% 93.09% Stage 2 3.38% 3.85% Stage 3 2.51% 3.06% Total 100% 100 % ECL Provision Sept-25 Sept-24 Stage 1 Rs. 506.81 cr Rs. 522.84 cr Stage 2 Rs. 410.46 cr Rs. 488.98 cr Stage 3 Rs. 4156.49 cr Rs. 4445
Slide 22: 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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