Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q4 FY2025 Earnings Presentation
24 slides from Lic Housing Finance's earnings presentation, 2025
Slide 1: Investor Update Q4 FY 2025
Investor Update Q4 FY 2025
Slide 2: LICHFL: A Journey of 35 Years
LICHFL: A Journey of 35 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 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 4: Shareholding Pattern
Shareholding Pattern March 2025 Top 10 Shareholders MFs & Shareholder % others, 23.10% Life Insurance Corporation Of India 45.24% LIC, 45.24% Kotak Mahindra Asset Management Company Limited 3.90% Mirae Asset Global Investments (India) Pvt. Ltd. 3.31% Norges Bank Investment Management (NBIM) 2.34% Pu
Slide 5: Executive Summary – Q4 FY 25/ FY 25
Executive Summary – Q4 FY 25/ FY 25 Revenue from Operations Profit After Tax Up by 5% up by 25% 6936.41 7283.33 1500 1367.96 8000 1090.82 6000 1200 4000 900 2000 600 0 300 Q4 FY 2024 Q4 FY 2025 Q4 FY 2024 Q4 FY 2025 Net Interest Income Outstanding Portfolio Down by 3% Up by 7% 2,500.00 2237.60 2166.
Slide 6: Executive Summary – Q4 FY 25/ FY 25
Executive Summary – Q4 FY 25/ FY 25 Profit After Tax for the year stood at Rs. 5429.02 crs up by 14%. Q4FY 25 Loan Disbursements Rs.19156 cr against Rs. 18232 cr, Up By 5% Individual Home Loan Disbursements Rs.15383 cr as against Rs.14300 cr, up by 8%. FY25 Total Disbursement Rs. 64022 cr as
Slide 7: Update – last 5 years
Update- Last 5 YearsUpdate – 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 2024
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 • 9 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 45 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 13% 14% 3% 4% 3% 55% 87% 21% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 32.0 ₹ 31.0 43% ₹ 30.0 5
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition NHC-Project NHC-Project Loans NHC-Others Loans NHC-Others 2.8% 2.1% 3.0% 1.7% Non-Housing Individual Non-Housing 10.0% Individual 10.3% Individual Individual Home Loans Home Loans 85.1% 85.0% 31.03.2024 31.03.2025 O/s Portfolio Rs. 286844 cr O/s Portfolio
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 FY23 97% For FY23 47% As of FY24 99% For FY24 52% As of FY25 99% For FY25 50% Prepayment Installment to Net Income Ratio Lump Sum
Slide 15: Financial Highlights FY2025 FY2024
Financial Highlights Financial Highlights FY2025 FY2024 Return on Average Equity (%) 16% 16% Return on Average Assets (%) 1.83% 1.70% Earnings per share (on Rs 2 pd up) 98.70 86.63 Dividend per Share (on Rs 2 pd up) 10.00 9.00 Capital Adequacy Ratio Sept 2024 March 2024 Tier I 20.00 19.19 Tier II 1.
Slide 16: Executive Summary – Q4/FY25
Executive Summary – Q4/FY25 Executive Summary-Q4/FY23 Particulars Var Q4 Q4 Var FY25 FY24 FY25 FY24 (Rs. (Rs. (Rs. Cr) (Rs. Cr) Cr) Cr) Revenue from Operations 5% 7283.33 6936.41 3% 28050.14 27228.22 Finance cost 6% 4950.84 4649.91 6% 19531.95 18390.66 Net Interest Income -3% 2166.44 2237.60 -6% 812
Slide 17: Executive Summary – Q4/FY25
Executive Summary – Q4/FY25 Executive Summary – Q4/FY23 Q4 Q4 Rs. cr Particulars Var Var FY25 FY24 FY25 FY24 Disbursements Individual Housing Loan (IHL) 8% 15383 14300 5% 51614 49103 Non-Housing Individual (NHI) 21% 2676 2210 21% 8060 6671 Non-Housing Commercial (NHC) 0.5% 222 221 -5% 572 603 Projec
Slide 18: Liability Profile
Liability Profile Liability Profile as on 31.03.2025 Source Wtd Outstanding Borrowings – Rs. 270627 cr Avg CP Deposits Tier II 5% 3% 1% Cost NHB (%) 4% Banks/NHB 7.75% Bank 32% Non Convertible Debenture 7.74% Tier II 7.30% Commercial Paper 7.66% Deposits 7.64% Total 7.73% NCD 55% During FY25, Increm
Slide 19: Change in Liability Mix- last 5 yrs
Change in Liability Mix- last 5Change 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 FY21 FY22 FY23 FY24 FY25 6.93% 6.52% 7.63% 7.76% 7.73% Wtd. Avg.
Slide 20: Yield & Cost of Funds on portfolio
Yield & Cost of Funds on portfolio Yield & Cost of Funds on portfolio 12.00% 9.89% 9.79% 10.00% 8.00% 7.76% 7.73% 6.00% 4.00% 2.00% 0.00% FY24 FY25 Yield on Advances on 9.89% 9.79% Portfolio Wtd Avg cost of funds on 7.76% 7.73% Total Borrowed Funds 20
Slide 21: NIMs for the Year
NIM’s for the Year NIMs 4.00% 3.50% 3.08% 3.00% 2.73% 2.37% 2.41% 2.50% 2.28% 2.00% 1.50% 1.00% FY 24 FY 25 FY21 FY22 FY23 21
Slide 22: NIMs Q-o-Q
NIM’s Q-o-Q NIMs 4.00% 3.50% 3.00% 2.76% 2.71% 2.86% 2.70% 2.50% 2.00% 1.50% 1.00% Q1FY25 Q2FY25 Q3 FY 25 Q4 FY 25 22
Slide 23: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default March-25 March-24 % Stage 1 94.10% 92.49% Stage 2 3.43% 4.20% Stage 3 2.47% 3.31% Total 100% 100% ECL Provision March-25 March-24 Stage 1 Rs 583.36 Cr Rs 625.45 Cr Stage 2 Rs 421.74 Cr Rs 768.35 Cr Stage 3 Rs 3893.93 Cr Rs 4876.76
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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