Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q4 FY2026 Earnings Presentation
24 slides from Lic Housing Finance's earnings presentation, 2026
Slide 1: Investor Update Q4 FY 2026
Investor Update Q4 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 March 2026 Top 10 Shareholders MFs & Shareholder % others, 22.89% Life Insurance Corporation Of India 45.24% LIC, 45.24% ICICI Prudential Asset Management Co. Ltd. 6.70% Mirae Asset Global Investments (India) Pvt. Ltd. 2.39% Norges Bank Investment Management (NBIM) 2.31% Public
Slide 5: Executive Summary – Q4 FY 26/ FY 26
Executive Summary – Q4 FY 26/ FY 26 Revenue from Operations Profit After Tax 7281.17 7194.34 1367.96 1497.41 8000 1500 6000 1200 4000 900 2000 600 0 300 Q4 FY 2025 Q4 FY 2026 Q4 FY 2025 Q4 FY 2026 Net Interest Income Outstanding Portfolio 2,500.00 2165.33 2221.78 350000 307732 320707 2,000.00 300000
Slide 6: Executive Summary – Q4 FY 26/ FY 26
Executive Summary – Q4 FY 26/ FY 26 ▪ Profit After Tax for the year stood at Rs.5595.15 crs up by 3% ▪ Q4 FY26 PAT at Rs. 1497.41 Cr, up by 9% ▪ Q4FY 26 Loan Disbursements Rs.21019 cr against Rs. 19156 cr, up by 10% ▪ Individual Home Loan Disbursements Rs.16672 cr as against Rs.15383 cr, up by 8% ▪
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 3% 1% 1% 14% 17% 57% 86% 21% Salaried Self Employed HLA DSA Corporate Agent CRA DIRECT DME Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 33.0 ₹ 32.0 42% ₹ 31.0 58
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project NHC-Project Loans NHC-Others Loans NHC-Others 3.0% 1.7% 2.9% 1.3% Non-Housing Individual Non-Housing 10.3% Individual 11.3% Individual Individual Home Loans Home Loans 85.0% 84.5% 31.03.2025 31.03.2026 O/s Portfolio Rs. 307732 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 FY24 99% For FY24 52% As of FY25 99% For FY25 50% As of FY26 99% For FY26 48% Prepayment Installment to Net Income Ratio Lump Sum
Slide 15: Financial Highlights
Financial HighlightsFinancial Highlights FY2026 FY2025 Return on Average Equity (%) 14% 16% Return on Average Assets (%) 1.78% 1.83% Earnings per share (on Rs 2 pd up) 101.72 98.70 Dividend per Share (on Rs 2 pd up) 10.00 10.00 Capital Adequacy Ratio Sept 2025 March 2025 Tier I 22.79 21.70 Tier II 1
Slide 16: Executive Summary – Q4/FY26
Executive Summary Executive – Q4/FY26 Summary-Q4/FY23 Particulars Var Q4 Q4 Var FY26 FY25 FY26 FY25 (Rs. (Rs. (Rs. Cr) (Rs. Cr) Cr) Cr) Revenue from Operations -1% 7194.34 7281.17 3% 28764.63 28037.23 Finance cost -3% 4787.48 4951.95 1% 19775.19 19535.82 Net Interest Income 3% 2221.78 2165.33 4% 842
Slide 17: Executive Summary – Q4/FY26
Executive SummaryExecutive – Q4/FY26Summary – Q4/FY23 Q4 Q4 Rs. cr Particulars Var Var FY26 FY25 FY26 FY25 Disbursements Individual Housing Loan (IHL) 8% 16672 15383 6% 54503 51614 Non-Housing Individual (NHI) 25% 3348 2676 20% 9636 8060 Non-Housing Commercial (NHC) -32% 152 222 -23% 441 572 Project
Slide 18: Liability Profile
Liability Profile Liability Profile as on 31.03.2026 Source Wtd Outstanding Borrowings – Rs. 277470 cr Avg Others Deposits 4% 4% Cost (%) NHB 7% Bank (including NHB) 6.80% Bank Non Convertible Debenture 7.71% 39% Tier II 7.30% Commercial Paper 7.34% Deposits 7.39% PTC 7.51% NCD 46% Total 7.27% Durin
Slide 19: Change in Liability Mix – last 5 years
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 FY22 FY23 FY24 FY25 FY26 6.52% 7.63% 7.76% 7.73% 7.27% Wtd. Avg.
Slide 20: Yield & Cost of Funds
Yield & Cost of Funds Yieldon portfolio & Cost of Funds on portfolio 12.00% 9.79% 10.00% 9.21% 8.00% 7.73% 7.27% 6.00% 4.00% 2.00% 0.00% FY25 FY26 Yield on Advances on 9.79% 9.21% Portfolio Wtd Avg cost of funds on 7.73% 7.27% Total Borrowed Funds 20
Slide 21: NIMs Q-o-Q
NIM’s Q-o-Q NIMs 4.00% 3.50% 3.00% 2.80% 2.68% 2.62% 2.69% 2.50% 2.00% 1.50% 1.00% Q1FY26 Q2FY26 Q3 FY 26 Q4 FY 26 21
Slide 22: NIMs for the Year
NIM’s for the Year NIMs 4.00% 3.50% 3.08% 3.00% 2.73% 2.68% 2.41% 2.50% 2.28% 2.00% 1.50% 1.00% FY 24 FY 25 FY 26 FY22 FY23 22
Slide 23: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default March-26 March-25 % Stage 1 95.06% 94.10% Stage 2 2.78% 3.43% Stage 3 2.16% 2.47% Total 100% 100% ECL Provision March-26 March-25 Stage 1 Rs 656.52 Cr Rs 583.36 Cr Stage 2 Rs 449.69 Cr Rs 421.74 Cr Stage 3 Rs 3462.41 Cr Rs 3893.93
Slide 24: 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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