Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q1 FY2027 Earnings Presentation
23 slides from Lic Housing Finance's earnings presentation, Jul 30, 2026
Slide 1: Filing cover letter to stock exchanges
1lucHFL LIC HOUSING FINANCE LTD 30th July, 2026 The Manager, The General Manager, Listing Department, Department of Corporate Services-Listing Dept., National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, 5th Floor, 25u, Floor, Phiroze Jeejeebhoy Towers, Plot No. C/1, G Block, Bandra-Ku
Slide 2: Investor Update Q1 FY 2027
Investor Update Q1 FY 2027
Slide 3: LICHFL: A Journey of 37 Years
LICHFL: A Journey of 37 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 2017 2019 2022 2023 Outlook Money-Best HFC’ Voted as the ‘Brand of “Best Organisation for “Winner of Indian the Decade 2019’ by Women 2022” award by Chamber of Commerce Business Today BFSI BARC Asia ‘The Economic Times’ Social Impact Awards Best CEO 2023 under Empowering NSE fo
Slide 5: Shareholding Pattern
Shareholding Pattern June 2026 Top 10 Shareholders MFs & Shareholder % others, 23.05% Life Insurance Corporation Of India 45.24% LIC, 45.24% ICICI Prudential Asset Management Co. Ltd. 6.70% Norges Bank Investment Management 2.31% (NBIM) Bank Muscat SAOG 2.09% Public , Bandhan Asset Management Compan
Slide 6: Executive Summary – Q1 FY 27
Executive Summary – Q1 FY 27 ▪ Q1 FY27 PAT at Rs. 1488.32 cr as against Rs 1359.92 cr, up by 9.4% ▪ Q1 FY27 Total Revenue from operations Rs.7062 cr as against Rs.7169 cr ▪ Outstanding Loan portfolio up by 4% to Rs. 322098 cr ➢ Individual Home Loan Portfolio up by 4% to Rs. 271979 Cr ▪ Q1FY 27 Loan
Slide 7: Update - Last 5 Years
Update- Last 5 Years Update – last 5 years Disbursement (Rs. Cr) CAGR 2% Loan Portfolio (Rs.cr) CAGR 6% 70000 61848 64115 64022 66544 350000 58937 307732 320707 275047 286844 60000 300000 251120 50000 250000 40000 200000 30000 20000 150000 10000 100000 2022 2023 2024 2025 2026 2022 2023 2024 2025 20
Slide 8: Update - Last 5 Years
Update- Last 5 Years Update – last 5 years Stage 3- EAD% Total Provisions* (Rs cr) 4.64% 7230 5% 4.37% 7500 5839 6270 6000 4899 4% 4569 3.31% 4500 3% 2.47% 3000 2.16% 1500 2% 0 1% 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 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) 125 800 751.24 98.70 101.72 659.09 86.63 570.40 100 600 492.38 414.88 75 52.56 43.14 400 50 200 25 0 0 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 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 & Average Ticket Pattern & Size Average Ticket Size Customer Type (No.) Originations by source 12% 16.5% 0.3% 9.8% 52.0% 2.3% 88% 19.1% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 35.0 43% ₹ 33
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project NHC-Others NHC-Project Loans 1.6% Loans NHC-Others 2.9% 3.0% 1.3% Non-Housing Individual 10.7% Non-Housing Individual 11.3% Individual Home Individual Loans Home Loans 84.8% 84.4% 30.06.2025 30.06.2026 O/s Portfolio Rs. 309587 cr O/s Portfolio
Slide 14: Individual Loans – Portfolio Stats
Individual Loans – Portfolio Individual Stats Loans – Portfolio Stats Pure Floating Rate Loans Loan To Value Ratio To Outstanding Portfolio On Incremental Sanctions As of FY25 99% For FY25 50% As of FY26 99% For FY26 48% As of Q1FY27 99% For Q1FY27 48% Prepayment Installment to Net Income Ratio Lump
Slide 15: Financial Highlights
Financial HighlightsFinancial Highlights Q1FY2027 Q1FY2026 Return on Average Equity (%) 14% 15% Return on Average Assets (%) 1.85% 1.76% Earnings per share (on Rs 2 pd up) 27.06 24.72 Capital Adequacy Ratio March 2026 March 2025 Tier I 24.20 21.70 Tier II 1.29 1.50 Total 25.48 23.20 14
Slide 16: Executive Summary – Q1/FY27
Executive Summary Executive – Q1/FY27 Summary-Q4/FY23 Particulars Var Q1 Q1 FY2027 FY2026 (Rs. Cr) (Rs. Cr) Revenue from Operations -1% 7062.45 7169.32 Finance cost -2% 4948.05 5048.35 Net Interest Income 1% 2075.52 2064.71 Impairment on Financial Instruments -235% (164.23) 121.67 Profit before Tax
Slide 17: Executive Summary – Q1/FY27
Executive SummaryExecutive – Q1/FY27Summary – Q4/FY23 Rs. cr Q1 Q1 Particulars Var FY2027 FY2026 Disbursements Individual Housing Loan (IHL) 8% 12119 11247 Non-Housing Individual (NHI) 20% 1975 1647 Non-Housing Commercial (NHC) -27% 48 66 Project Finance (PF) 459% 872 156 Total 14.5% 15014 13116 Out
Slide 18: Liability Profile
Liability Profile Liability Profile as on 30.06.2026 Source Wtd Outstanding Borrowings – Rs. 276801 cr Avg Others Deposits 4% 5% Cost Bank (%) NHB 37% 8% Bank / NHB 6.85% Non Convertible Debenture 7.70% Tier II 7.30% Commercial Paper 7.20% Deposits 7.35% PTC 7.51% NCD Total 7.28% 46% During Q1 FY27,
Slide 19: Change in Liability Mix
Change in Liability Mix- last 5 in Change yrsLiability 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 FY26 Q1 FY 27 7.63% 7.76% 7.73% 7.27% 7.28% Wtd. A
Slide 20: Yield & Cost of Funds
Yield & Cost of Funds Yieldon portfolio & Cost of Funds on portfolio 12.00% 10.00% 9.60% 9.12% 8.00% 7.50% 7.28% 6.00% 4.00% 2.00% 0.00% Q1FY26 Q1FY27 Yield on Advances on 9.60% 9.12% Portfolio Wtd Avg cost of funds on 7.50% 7.28% Total Borrowed Funds 19
Slide 21: NIMs
NIM’s NIMs 4.00% 3.50% 3.00% 2.76% 2.68% 2.58% 2.50% 2.00% 1.50% 1.00% Q1FY 25 Q1 FY 26 Q1 FY 27 20
Slide 22: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default June-26 June-25 % Stage 1 95.26% 93.80% Stage 2 2.60% 3.58% Stage 3 2.14% 2.62% Total 100% 100% ECL Provision June-26 June-25 Stage 1 Rs. 670.83 Cr Rs. 514.19 Cr Stage 2 Rs. 408.59 Cr Rs. 414.09 Cr Stage 3 Rs. 3319.01Cr Rs. 4122.9
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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