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LIC Housing Finance (LICHSGFIN) investor relations material
LIC Housing Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary4 Aug, 2025
Executive summary
Q1 FY26 revenue grew 7% year-over-year to ₹7,233.13 crore, with PAT up 5% to ₹1,359.92 crore and loan portfolio up 7% to ₹3,09,058.07 crore.
Net interest margin declined to 2.68% from 2.76% year-over-year, while net interest income rose 4% to ₹2,065.78 crore.
Asset quality improved, with stage 3 exposure at 2.62% versus 3.3% last year, and provision coverage ratio at 51%.
Disbursements in project finance were muted, declining 70% year-over-year, while individual home loan disbursements grew 3%.
Management expects improved performance in subsequent quarters, prioritizing margin protection amid competition.
Financial highlights
Revenue from operations for Q1 FY26 at ₹7,233.13 crore, up 7% year-over-year.
Net profit for Q1 FY26 at ₹1,359.92 crore, up 5% year-over-year.
Net interest income for Q1 FY26 at ₹2,065.78 crore, up 4% year-over-year.
Cost of funds reduced to 7.5% from 7.76% year-over-year.
Impairment on financial instruments increased 35% to ₹192.87 crore.
Outlook and guidance
Management maintains double-digit growth guidance for the year, with Q2 expected to show improved momentum.
Will prioritize margin protection over aggressive growth amid intense competition.
Focus on maintaining asset quality with Stage 3 EAD trending down.
Further rate cuts will be considered based on market developments and competitive pressures.
Loan portfolio CAGR over last 5 years at 7%; profit after tax CAGR at 19%.
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Next LIC Housing Finance earnings date
Q2 202629 Oct, 2025
Next LIC Housing Finance earnings date
Q2 202629 Oct, 2025
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Frequently asked questions
LIC Housing Finance Limited is a housing finance company in India. It primarily offers long-term loans for the construction, repair, purchase, and renovation of residential properties. The company caters to a diverse clientele including resident and non-resident Indians as well as pensioners. Besides individual home loans, LIC Housing Finance also provides project loans for residential and commercial premises, loans against property and securities, and deposit schemes. It operates through a broad network of subsidiaries, branch offices, and agents across India and maintains overseas offices in Dubai. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the National Stock Exchange.
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