LIC Housing Finance Q1 Results: Earnings Call Transcript Uploaded

1 min read     Updated on 05 Aug 2026, 11:57 AM
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LIC Housing Finance Limited disclosed the availability of its Q1FY27 earnings call transcript on its website. The call, held on July 31, 2026, reviewed unaudited results for the quarter ended June 30, 2026. The disclosure complies with SEBI LODR Regulation 46(2)(oa).

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LIC Housing Finance has uploaded the transcript of its earnings conference call for the first quarter of FY27 to its official website, complying with disclosure norms under Regulation 46(2)(oa) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The move ensures that investors and analysts have access to the detailed discussions surrounding the company's recent financial performance.

The conference call was convened on Friday, July 31, 2026, at 11:30 AM IST. During the session, management discussed the unaudited financial results for the quarter ended June 30, 2026. The transcript provides insights into the company's operational performance and financial health for the period, offering stakeholders a deeper understanding of the figures reported in the statutory filings.

Regulatory Compliance

The upload was mandated under Regulation 46(2)(oa) of the SEBI (LODR) Regulations, 2015, which requires listed entities to make audio or video recordings and transcripts of post-earnings calls available on their websites. LIC Housing Finance notified both the National Stock Exchange of India Ltd. (NSE) and BSE Limited regarding this disclosure on August 5, 2026.

The company’s Company Secretary and Compliance Officer, Varsha Hardasani, signed the communication, confirming that the material is now accessible to the public. This procedural step aligns with standard corporate governance practices in India, ensuring transparency and equal access to information for all market participants.

Accessing the Transcript

Investors can access the full transcript via the company’s investor relations page. The document details the questions raised by analysts and the responses provided by the management team during the call. While the specific financial metrics such as net profit, revenue from operations, or book value are not detailed in this disclosure notice, they are covered extensively in the uploaded transcript.

Detail Information
Company LIC Housing Finance Limited
Event Q1FY27 Earnings Conference Call
Date of Call July 31, 2026
Quarter Ended June 30, 2026
Disclosure Date August 5, 2026
Regulation SEBI LODR Regulation 46(2)(oa)

The availability of the transcript allows market participants to analyze the qualitative aspects of the company's performance, including management commentary on asset quality, growth strategies, and macroeconomic factors impacting the housing finance sector. This complements the quantitative data presented in the quarterly financial results filed with the stock exchanges.

Historical Stock Returns for LIC Housing Finance

1 Day5 Days1 Month6 Months1 Year5 Years
-0.09%-6.72%-8.07%-2.62%-12.42%+24.47%

How might the management's commentary on asset quality in the Q1FY27 transcript influence investor sentiment regarding LIC Housing Finance's credit risk profile in a rising interest rate environment?

What specific growth strategies outlined by management during the call could drive market share expansion for LIC Housing Finance against competitors in the housing finance sector?

How are macroeconomic factors discussed in the earnings call expected to impact the company's loan disbursement volumes and net interest margins in the subsequent quarters of FY27?

LIC Housing Finance FY26 Results: Net Profit up 3% YoY to ₹5,595 Crore

5 min read     Updated on 04 Aug 2026, 12:29 PM
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LIC Housing Finance reported PAT of ₹5,595.15 Crore for FY 2025-26, a 3.06% increase year-on-year, while Profit Before Tax rose 3.28% to ₹7,080.62 Crore. The total loan portfolio grew 4% to ₹3,20,707 Crore, with total disbursements increasing to ₹66,544 Crore. Asset quality improved, with Gross NPA declining to 2.15% from 2.47% and Net NPA falling to 1.08% from 1.22%. The Board recommended a 500% dividend of ₹10 per equity share, and the capital adequacy ratio strengthened to 25.48% as at March 31, 2026.

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LIC Housing Finance reported a steady performance for FY 2025-26, with Profit After Tax rising 3% year-on-year to ₹5,595.15 Crore from ₹5,429.02 Crore in the previous year. Total income grew to ₹28,771.66 Crore from ₹28,046.13 Crore, reflecting a year-on-year growth of 2.59%. The Board recommended a 500% dividend of ₹10 per equity share on a face value of ₹2 per share, subject to shareholder approval at the 37th Annual General Meeting scheduled for 28th August, 2026.

Key Financial Highlights

The company's financial performance for FY 2025-26 reflected sustained earnings growth, improved asset quality, and a moderation in funding costs. The following table summarises the key financial metrics:

Metric: FY 2025-26 FY 2024-25 Change
Total Income: ₹28,771.66 Crore ₹28,046.13 Crore +2.59%
Revenue from Operations: ₹28,764.63 Crore ₹28,037.23 Crore +3%
Profit Before Tax: ₹7,080.62 Crore ₹6,855.81 Crore +3.28%
Profit After Tax: ₹5,595.15 Crore ₹5,429.02 Crore +3.06%
Net Interest Income: ₹8,425 Crore ₹8,126 Crore +4%
Net Interest Margin: 2.68% 2.73% —
Average Cost of Funds: 7.27% 7.73% —
Earnings Per Share (Basic): ₹101.72 ₹98.70 —
Dividend per Share: ₹10 (500%) ₹10 (500%) —
Capital Adequacy Ratio: 25.48% 23.20% —

Loan Portfolio and Disbursements

The total loan portfolio grew 4% year-on-year to ₹3,20,707 Crore as at March 31, 2026, from ₹3,07,732 Crore in the previous year. The retail loan portfolio expanded to ₹3,11,517 Crore from ₹2,98,519 Crore, driven by sustained momentum in both housing and non-housing individual lending. The Project Finance portfolio remained largely stable at ₹9,190 Crore against ₹9,213 Crore in the previous year.

Total disbursements grew 4% to ₹66,544 Crore from ₹64,022 Crore in the previous year. The segment-wise disbursement performance is presented below:

Segment: FY 2025-26 FY 2024-25 Change
Individual Home Loans (IHL): ₹54,503 Crore ₹51,614 Crore +6%
Non-Housing Individual (NHI): ₹9,636 Crore ₹8,060 Crore +20%
Non-Housing Corporate (NHC): ₹441 Crore ₹572 Crore -23%
Project Finance: ₹1,964 Crore ₹3,776 Crore —
Total Disbursements: ₹66,544 Crore ₹64,022 Crore +4%

The Individual Home Loan segment constituted approximately 83% of total disbursements. Nearly 85% of IHL business was linked to the salaried class. The company sanctioned 1,71,902 Individual Housing Loans amounting to ₹55,666 Crore during FY 2025-26.

Loan Portfolio Composition

The outstanding loan portfolio as at March 31, 2026 was composed as follows:

Segment: FY 2025-26 FY 2024-25
Individual Housing Loans: 84.47% 85.00%
Non-Housing Individual: 11.34% 10.35%
Non-Housing Corporate: 1.33% 1.66%
Project Finance: 2.86% 2.99%

Asset Quality

Asset quality improved during the year, with Gross Non-Performing Assets declining to ₹6,902.79 Crore, representing 2.15% of the loan portfolio, compared to ₹7,598.35 Crore (2.47%) as at March 31, 2025. Net NPAs also improved to ₹3,440.38 Crore (1.08%) from ₹3,704.42 Crore (1.22%) in the previous year.

Asset Quality Metric: March 31, 2026 March 31, 2025
Gross NPA (₹ Crore): ₹6,902.79 Crore ₹7,598.35 Crore
Gross NPA (%): 2.15% 2.47%
Net NPA (₹ Crore): ₹3,440.38 Crore ₹3,704.42 Crore
Net NPA (%): 1.08% 1.22%
ECL Provision: ₹4,569 Crore ₹4,899 Crore

The impairment loss allowance decreased to ₹4,569 Crore in FY 2025-26 from ₹4,899 Crore in the previous year, reflecting an improvement in the overall credit risk profile of the portfolio. The company also completed the sale of one loan asset to an Asset Reconstruction Company during the year.

Funding and Resource Mobilisation

During FY 2025-26, the company mobilised funds aggregating to ₹1,05,625.19 Crore through Non-Convertible Debentures, term loans, NHB refinance, commercial paper, Pass-Through Certificates, and public deposits. The company availed refinance of ₹11,300 Crore from the National Housing Bank. Outstanding NCDs stood at ₹1,28,882.96 Crore as at March 31, 2026. The outstanding borrowings totalled ₹2,77,423 Crore.

The company's borrowing mix shifted towards floating rate instruments, with approximately 82% of borrowings at floating rates and 18% at fixed rates during the year. The incremental cost of funds for FY 2025-26 was 6.94%. The company also successfully launched its inaugural securitisation programme, raising ₹1,000 Crore through Pass-Through Certificates, which were subsequently listed on the NSE on May 5, 2026.

Key financial ratios and productivity metrics for the year included:

Metric: FY 2025-26 FY 2024-25
Cost to Income Ratio: 75% 76%
Profit Per Employee: ₹233.23 lakh ₹213.57 lakh
Loan Assets Per Employee: ₹133.70 Crore —
Total Staff Strength: 2,399 —

Distribution Network and Digital Initiatives

As at March 31, 2026, LIC Housing Finance's network comprised 10 Regional Offices, 303 Marketing Offices, 23 Back Offices, and 39 Cluster Offices, along with a representative office in Dubai. Online loan approvals during FY 2025-26 amounted to ₹6,530 Crore.

During the year, the company introduced a Straight Through Process for loan processing, reducing turnaround time and improving operational efficiency. It also launched a pilot implementation of e-documentation through the Legality platform. Business sourced through the Lead Management platform grew 83.47%, increasing from ₹835 Crore in FY 2024-25 to ₹1,532 Crore in FY 2025-26. More than 75% of monthly collections were received through digital and auto-debit payment channels.

Awards and Recognition

During FY 2025-26, LIC Housing Finance received recognition across multiple industry forums:

  • NHB Excellence Awards – 2nd Edition: Best Housing Finance Company
  • Radio City Business Titans Awards: Excellence in Outstanding Contribution to Housing Finance Sector
  • Mirchi Business Class – Bali 2026: Excellence in Housing Finance
  • FICCI CSR Summit & Awards 2025: Special Jury Commendation Award in the Women Empowerment category
  • Pritvi Awards 2025: Excellence in ESG & Sustainability Initiatives
  • India CSR Awards 2025: Excellence in Waste Management Initiative
  • 8th ICC Social Impact Awards 2026: Runner-up in the Gender Equality and Empowerment category

Historical Stock Returns for LIC Housing Finance

1 Day5 Days1 Month6 Months1 Year5 Years
-0.09%-6.72%-8.07%-2.62%-12.42%+24.47%

How will the shift towards 82% floating-rate borrowings impact LIC Housing Finance's net interest margins if the RBI maintains a hawkish stance on interest rates in FY 2026-27?

Can the 20% growth in Non-Housing Individual (NHI) disbursements be sustained, or will it face headwinds from increased competition in the personal loan segment?

What strategic initiatives is LIC Housing Finance planning to further reduce its Cost-to-Income ratio below the current 75% benchmark in the coming fiscal year?

More News on LIC Housing Finance

1 Year Returns:-12.42%