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LIC Housing Finance (LICHSGFIN) investor relations material
LIC Housing Finance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Q2FY26 revenue from operations rose 3% YoY to ₹7,163 crore, with PAT up 2% YoY to ₹1,353.87 crore and the outstanding loan portfolio increasing 6% YoY to ₹3,11,816 crore.
Individual housing loans comprised 85% of the portfolio, growing 5% YoY to ₹2,64,096 crore.
Net interest income was ₹2,038 crore, with NIM declining to 2.62% from 2.71% YoY.
Disbursements in the individual home loan segment rose 3% YoY and 24% sequentially, while project loan disbursements remained subdued.
Financial statements were prepared in compliance with Indian Accounting Standards and SEBI regulations, with no deviations in fund utilization.
Financial highlights
Standalone revenue from operations for Q2FY26: ₹7,163.32 crore (up from ₹6,853.44 crore YoY); H1FY26: ₹14,396.45 crore.
Standalone net profit for Q2FY26: ₹1,353.87 crore (up from ₹1,328.89 crore YoY); H1FY26: ₹2,713.79 crore.
Net interest margin (NIM) for Q2FY26 was 2.62%, down from 2.71% YoY; H1FY26 NIM at 2.65%.
Stage 3 exposure at default improved to 2.51% from 3.06% YoY; provision coverage ratio increased to 53% from 49% YoY.
Cost of funds declined to 7.42% from 7.73% YoY; incremental cost of funds dropped to 6.73% from 7.71% YoY.
Outlook and guidance
Management expects asset quality to improve further, with credit costs guided to remain within 15-50 basis points for the year.
Disbursement and loan book growth are targeted at 10% for FY26, with hopes to reach double-digit growth by year-end.
NIM is expected to remain in the 2.6-2.8% range, with current levels seen as the bottom.
Q3 and Q4 are anticipated to be stronger quarters, with a focus on resolving large legacy loans.
Weighted average cost of funds decreased to 7.42% in Q2 FY26 from 7.73% in H1 FY25.
Resolved accounts: Debt slipped to NPA?
Operating cash flow negative: Funding strategy?
Loans to MD & CEO and Chairman outstanding?
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Next LIC Housing Finance earnings date
Q3 25/262 Feb, 2026
Next LIC Housing Finance earnings date
Q3 25/262 Feb, 2026
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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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