Lic Housing Finance Ltd · NSE:LICHSGFIN
Lic Housing Finance — Q2 FY2027 Earnings Presentation
23 slides from Lic Housing Finance's earnings presentation, Oct 30, 2026
Slide 1: Cover letter to stock exchanges: Investor Presentation Q2
1lucHFL LIC HOUSING FINANCE LTD 30th October, 2026 The Manager, The General Manager, Listing Department, Department of Corporate Services-Listing Dept., National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, 5u, Floor, 25°1 Floor, Phiroze Jeejeebhoy Towers, Plot No. C/1, G Block, Bandra
Slide 2: Investor Update Q2 FY 2027
LI HOUSING FINANCE LTD Investor Update Q2 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 September 2026 Top 10 Shareholders Shareholder % MFs & others, 25.13% Life Insurance Corporation Of India 45.24% LIC, 45.24% ICICI Prudential Asset Management Co. Ltd. 5.22% Kotak Mahindra Asset Management 3.95% Company Limited Bank Muscat SAOG 2.09% Norges Bank Investment Manag
Slide 6: Executive Summary – Q2 FY 27
Executive Summary – Q2 FY 27 ▪ Q2 FY27 PAT at Rs.1508.78 cr as against Rs 1353.87 cr, up by 11% ▪ Q2 FY27 Total Revenue from operations Rs.7175 cr as against Rs.7074 cr ▪ Outstanding Loan portfolio up by 5% to Rs. 326173 cr. ➢Retail Loan Portfolio up by 4% to Rs. 316433 Cr ➢Project Loan Portfolio up
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 • 297 Area Offices Ludhiana Ambala Chandigarh Bhatinda Patiala Dehradun Hisar Noida Karnal • Rep office in Dubai Meerut Ha
Slide 11: Distribution Network
Distribution Network HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (DSAs) (Small Firms/Companies etc) CUSTOMER RELATIONS 297 ASSOCIATES (CRAs) (Individual Agents of the Company) Marketing Offices 46 branches of LICHFL Financial Services (100% subsidiary of LICHFL) DIRECT MARKETING EXEC
Slide 12: Origination Pattern & Average Ticket Size
Origination Pattern & Average Ticket Size Customer Type (No.) Originations by source 15% 17.4% 0.2% 8.8% 51.8% 2.3% 85% 19.5% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) 43% ₹ 30.0 57% 84 213 Offices Offices ₹ 20.0 ₹ 10.0 H1FY
Slide 13: Loan Book Composition
Loan Book Composition Loan Book Composition Project Loans Project Loans 2.8% 3.0% Retail Loans 97.2% Retail Loans 97.0% 30.09.2025 30.09.2026 O/s Portfolio Rs. 311816 cr O/s Portfolio Rs. 326173 cr 12
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 FY25 99% For FY25 50% As of FY26 99% For FY26 48% As of H1FY27 99% For H1FY27 48% Prepayment Installment to Net Income Ratio Lump
Slide 15: Financial Highlights
Financial Highlights Financial Highlights Particulars Q2FY2026 Q2FY2026 Return on Average Equity (%) 14% 15% Return on Average Assets (%) 1.86% 1.74% Earnings per share (on Rs 2 pd up) 27.43 24.61 Capital Adequacy Ratio March 2026 Sept 2025 Tier I 24.20 22.79 Tier II 1.29 1.43 Total 25.48 24.22 14
Slide 16: Executive Summary – Q2/FY27
Executive Summary – Q2/FY27 Particulars Var Q2 Q2 Var H1 H1 FY27 FY26 FY27 FY26 (Rs. Cr) (Rs. Cr) (Rs. (Rs. Cr) Cr) Revenue from Operations 1% 7175.08 7073.86 0% 14236.25 14243.18 Finance cost 1% 5024.15 4996.17 -1% 9972.20 10044.52 Net Interest Income 2% 2087.86 2037.37 1% 4163.38 4102.08 Impairmen
Slide 17: Executive Summary – Q2/FY27
Executive Summary – Q2/FY27 Rs. cr Q2 Q2 Particulars Var Var H1FY27 H1FY26 FY27 FY26 Disbursements Retail Loans 10% 17563 15935 10% 31704 28895 Project Finance (PF) 49% 564 378 169% 1436 534 Total 11% 18127 16313 13% 33140 29429 Outstanding Portfolio Retail 4% 316433 303084 Project 12% 9740 8732 Tot
Slide 18: Liability Profile
Liability Profile Liability Profile As on 30.09.2026 Wtd Outstanding Borrowings – Rs. 278780 cr Source Avg Others Deposits 3% 5% Cost (%) NHB 9% Bank (including NHB) 6.92% Bank Non Convertible Debenture 7.71% 38% Tier II 7.30% Commercial Paper 6.69% Deposits 7.35% PTC 7.51% NCD Total 7.29% 45% Durin
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 FY24 FY25 FY26 Q1 FY 27 Q2 FY 27 7.76% 7.73% 7.27% 7.28% 7.29% Wt
Slide 20: Yield & Cost of Funds on Portfolio
Yield & Cost of Funds on Portfolio 10.00% 9.40% 9.04% 9.00% 8.00% 7.42% 7.29% 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% H1FY26 H1FY27 Yield on Advances 9.40% 9.04% Wtd Avg Cost of Funds 7.42% 7.29% 19
Slide 21: NIMs
NIM’s NIMs 4.00% 3.50% 3.00% 2.80% 2.69% 2.58% 2.58% 2.50% 2.00% 1.50% 1.00% Q4FY 26 Q3FY Y26 Q2FY27 Q1 FY 27 20
Slide 22: Classification of Assets
Classification of Assets Classification of Assets Exposure At Default % Sept-26 Sept-25 Stage 1 95.42% 94.11% Stage 2 2.53% 3.38% Stage 3 2.05% 2.51% Total 100% 100% ECL Provision Sept-26 Sept-25 Stage 1 Rs. 623.07 cr Rs. 506.81 cr Stage 2 Rs. 386.65 cr Rs. 410.46 cr Stage 3 Rs. 3281.86 cr Rs. 4156.
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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