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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
LIC Housing Finance
LIC Housing Finance (LICHSGFIN) investor relations material
LIC Housing Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary2 Nov, 2026
Executive summary
Q2 FY27 standalone PAT rose 11% YoY to ₹1,508.78 crore; revenue from operations was ₹7,175.08 crore.
Outstanding loans grew 5% YoY to ₹326,173 crore; Q2 disbursements increased 11% to ₹18,127 crore.
Consolidated Q2 PAT was ₹1,506.59 crore, up from ₹1,349.37 crore YoY; H1 consolidated PAT was ₹3,005.62 crore.
Results received an unmodified limited-review conclusion from the joint statutory auditors.
Financial highlights
Q2 net interest income was ₹2,087.86 crore versus ₹2,037.37 crore YoY; PBT rose 13% to ₹1,918.55 crore.
H1 FY27 revenue from operations was ₹14,236.25 crore versus ₹14,243.18 crore; standalone PAT rose to ₹2,997.10 crore from ₹2,713.79 crore.
Q2 impairment and net loss on derecognition was a net credit of ₹92.57 crore versus a ₹71.99 crore charge in Q2 FY26.
Standalone Q2 EPS was ₹27.43 versus ₹24.61 YoY; H1 EPS was ₹54.49 versus ₹49.34.
Outlook and guidance
FY27 disbursement growth guidance is 12%–14%; management also cited a ~15% target and expects AUM growth to improve by year-end.
AUM growth ambition was 8%–10%; management expects stronger disbursements to improve growth over time.
NIM guidance remains 2.5%–2.6%; FY-end credit cost is expected at 8–10 bps versus negative 3 bps in Q2, with further recoveries expected in Q3 and Q4.
Two project resolutions through ARC are expected in Q3/Q4; a direct-assignment or securitization policy may be considered at the next board meeting, with market activity expected in H2.
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Latest events from LIC Housing Finance
- PAT up 9.4% to ₹1,488 crore, disbursements rise 14.5%, asset quality and liquidity improve.LICHSGFIN
Q1 26/27 - FY26 PAT rose 3% to INR 5,595.15 crore; NIM at 2.68%; asset quality and disbursements improved.LICHSGFINQ4 25/26
- Q3 FY26 delivered revenue growth, strong liquidity, and improved asset quality despite lower profit.LICHSGFINQ3 25/26
- Q2 FY26 delivered higher profit and revenue, improved asset quality, and strong compliance.LICHSGFINQ2 25/26
- Q1 FY26 delivered 7% revenue growth, higher profits, and improved asset quality amid strong compliance.LICHSGFINQ1 25/26
- Profit up 12% YoY, asset quality improved, and margins set to recover in H2.LICHSGFINQ2 24/25
- Q1 FY25 saw improved asset quality, strong disbursements, and lower NIMs with full compliance.LICHSGFINQ1 2025
- Q4 profit rose 25%, asset quality improved, and dividend increased; all NCDs fully secured.LICHSGFINQ4 24/25
- Q3 FY25 delivered higher profits, improved asset quality, and NIMs compressed to 2.70%.LICHSGFINQ3 24/25
Next LIC Housing Finance earnings date
Q3 26/2729 Jan, 2027
LIC Housing Finance
Next LIC Housing Finance earnings date
Q3 26/2729 Jan, 2027
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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.