Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q1 FY2026 Earnings Presentation
23 slides from Lic Housing Finance's earnings presentation, Aug 1, 2025
Slide 1: Cover letter to stock exchanges on Investor Presentation
LIC HOUSING FINANCE LTD 1 st August, 2025 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, 25th Floor, Phiroze Jeejeebhoy Towers, Plot No. C/1, G Block, Bandra-Kurla Co
Slide 2: Investor Update Q1 FY 2026
Investor Update Q1 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 2024 “Best CSR Team of the Year and Best Use of CSR Practices in Various Sectors” in UBS Forums’ 2023 2024 10th Edition CSR -“Winner of Summit and Indian Chamber “Winner of the Awards 2024 of Commerce Corporate Social Impact Bond Private Awards 2023 Placement- under Private Iss
Slide 5: Shareholding Pattern
Shareholding Pattern June 2025 Top 10 Shareholders as on 31.07.2025 MFs & Shareholder % others 24.09% Life Insurance Corporation of India 45.24% ICICI Prudential Asset Management Co. 3.96% Ltd. LIC Kotak Mahindra Asset Management 3.95% 45.24% Company Limited Mirae Asset Global Investments (India) 2.
Slide 6: Executive Summary – Q1 FY 26
Executive Summary – Q1 FY 26 Q1 FY26 PAT at Rs. 1359.92 cr as against Rs 1300.21 cr, up by 5% Q1 FY26 Total Revenue from operations Rs.7233 cr as against Rs.6784 cr, up by 7% Outstanding Loan portfolio up by 7% to Rs. 309587 cr Individual Home Loan Portfolio up by 7% to Rs. 262411 Cr Q1FY
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 Large geographic presence • 10 Regional Offices Corporate office • 23 Back Offices Regional offices Amritsar Jalandhar Back offices Operating offices • 44 Cluster Offices Shimla • 307 Area Offices Ludhiana Ambala Chandigarh Bhatinda Patiala Dehradun Hisar Noida Karnal • Rep
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 307 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 Pattern & Average Ticket Size Origination Pattern & Average Ticket Size Customer Type (No.) Originations by source 11% 14% 1% 6% 3% 56% 89% 20% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 32.0 ₹ 31.0 44% ₹ 30.0 5
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project NHC-Others NHC-Project Loans 2.0% Loans NHC-Others 2.8% 2.9% 1.6% Non-Housing Individual 9.9% Non-Housing Individual 10.7% Individual Home Individual Loans Home Loans 85.3% 84.8% 30.06.2024 30.06.2025 O/s Portfolio Rs. 288665 cr O/s Portfolio R
Slide 14: 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 Q1FY26 99% For Q1FY26 50% Prepayment Installment to Net Income Ratio Lump
Slide 15: Financial Highlights
Financial Highlights Financial Highlights Q1FY2026 Q1FY2025 Return on Average Equity (%) 15% 16% Return on Average Assets (%) 1.76% 1.81% Earnings per share (on Rs 2 pd up) 24.72 23.64 Capital Adequacy Ratio March 2025 March 2024 Tier I 21.70 19.19 Tier II 1.50 1.59 Total 23.20 20.78 14
Slide 16: Executive Summary – Q1/FY26
Executive Summary – Q1/FY26 Executive Summary-Q4/FY23 Particulars Var Q1 Q1 FY2026 FY2025 (Rs. Cr) (Rs. Cr) Revenue from Operations 7% 7233.13 6783.67 Finance cost 6% 5047.28 4750.05 Net Interest Income 4% 2065.78 1989.08 Impairment on Financial Instruments 35% 192.87 143.09 Profit before Tax 4% 169
Slide 17: Executive Summary – Q1/FY26
Executive Summary – Q1/FY26 Executive Summary – Q4/FY23 Rs. cr Q1 Q1 Particulars Var FY2026 FY2025 Disbursements Individual Housing Loan (IHL) 3% 11247 10932 Non-Housing Individual (NHI) 18% 1647 1394 Non-Housing Commercial (NHC) -3% 66 68 Project Finance (PF) -70% 156 521 Total 2% 13116 12915 Outst
Slide 18: Liability Profile
Liability Profile Liability Profile as on 30.06.2025 Source Wtd Outstanding Borrowings – Rs. 270933 cr Avg Deposits Others 4% 5% Bank Cost 31% (%) NHB 5% Bank / NHB 7.13% Non Convertible Debenture 7.74% Tier II 7.30% Commercial Paper 7.46% Deposits 7.56% PTC 7.51% NCD Total 7.50% 55% During Q1 FY26,
Slide 19: Change in Liability Mix- last 4 yrs
Change in Liability Mix- last 4Change yrs 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 FY22 FY23 FY24 FY25 Q1FY26 6.52% 7.63% 7.76% 7.73% 7.50% Wtd. Avg
Slide 20: Yield & Cost of Funds on portfolio
Yield & Cost of Funds on portfolio Yield & Cost of Funds on portfolio 12.00% 9.83% 10.00% 9.60% 8.00% 7.76% 7.50% 6.00% 4.00% 2.00% 0.00% Q1FY25 Q1FY26 Yield on Advances on 9.83% 9.60% Portfolio Wtd Avg cost of funds on 7.76% 7.50% Total Borrowed Funds 19
Slide 21: NIMs
NIM’s NIMs 4.00% 3.50% 3.21% 3.00% 2.76% 2.68% 2.51% 2.50% 2.00% 1.50% 1.00% Q1FY 25 Q1FY23 Q1FY24 Q1 FY 26 20
Slide 22: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default June-25 June-24 % Stage 1 93.80% 92.64% Stage 2 3.58% 4.06% Stage 3 2.62% 3.30% Total 100% 100% ECL Provision June-25 June-24 Stage 1 Rs. 514.19 Cr Rs. 484.34 Cr Stage 2 Rs. 414.09 Cr Rs. 456.45 Cr Stage 3 Rs. 4122.99 Cr Rs. 4729.
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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