LIC Housing Finance Q1 FY27 Net Profit ₹1,488 Crore

Key Financial Figures - Standalone (₹ in Crore)

Quarterly Performance Comparison

| Interest Income | 7,023.57 | 7,009.26 | 7,113.06 |

| Fees and Commission Income | 9.47 | 35.98 | 10.56 |

| Net Gain on Fair Value Changes | 13.66 | 14.27 | 22.00 |

| Other Operating Income | 15.75 | 17.29 | 23.70 |

| Total Revenue from Operations | 7,062.45 | 7,076.80 | 7,169.32 |

| Other Income | 3.08 | 0.18 | 0.14 |

| Total Income | 7,065.53 | 7,076.98 | 7,169.46 |

| Finance Costs | 4,948.05 | 4,787.48 | 5,048.35 |

| Fees and Commission Expenses | 29.26 | 65.86 | 22.00 |

| Net Loss on De-recognition of Financial Instruments | 53.17 | 46.08 | 7.52 |

| Impairment on Financial Instruments | (164.23) | (79.75) | 121.67 |

| Employee Benefits Expenses | 184.03 | 162.37 | 159.50 |

| Depreciation, Amortisation and Impairment | 29.02 | 29.83 | 23.89 |

| Other Expenses | 97.80 | 130.87 | 87.37 |

| Total Expenses | 5,177.10 | 5,142.74 | 5,470.30 |

| Profit Before Tax | 1,888.43 | 1,934.24 | 1,699.16 |

| Tax Expense | 400.11 | 436.83 | 339.24 |

| Profit After Tax | 1,488.32 | 1,497.41 | 1,359.92 |

| Other Comprehensive Income/(Loss) | (6.15) | 19.89 | 0.01 |

| Total Comprehensive Income | 1,482.17 | 1,517.30 | 1,359.93 |

Key Metrics

Paid-up Equity Share Capital: ₹110.08 crore (face value ₹2)
Basic EPS: ₹27.06 (Q1 FY27) vs ₹24.72 (Q1 FY26)
Diluted EPS: ₹27.06 (Q1 FY27) vs ₹24.72 (Q1 FY26)
Net Worth: ₹42,807.71 crore (as of June 30, 2026)

Key Financial Figures - Consolidated (₹ in Crore)

Quarterly Performance Comparison

| Total Income | 7,085.58 | 7,094.47 | 7,186.47 |

| Total Expenses | 5,482.15 | 5,186.54 | 5,163.16 |

| Share of Profit of Associates | 2.14 | 2.16 | 0.28 |

| Profit Before Tax | 1,901.18 | 1,933.47 | 1,704.60 |

| Tax Expense | 402.15 | 440.84 | 340.60 |

| Profit After Tax | 1,499.03 | 1,492.63 | 1,364.00 |

| Profit Attributable to Owners | 1,498.85 | 1,492.54 | 1,363.89 |

| Basic EPS: ₹27.25 (Q1 FY27) vs ₹24.80 (Q1 FY26)

Board Meeting Details

Meeting Date: July 30, 2026
Meeting Time: Commenced at 02:30 PM and concluded at 08:10 PM
Approved Documents:

1. Unaudited Financial Results (Standalone and Consolidated) for Q1 FY27

2. Additional disclosure of ratios pursuant to Regulation 52(4) and 54 of Listing Regulations

3. Security Cover Certificate from Joint Statutory Auditors

4. Statement of utilization of issue proceeds and deviation statement

5. Nil statement of deviation or variation under Regulation 32

6. Quarterly CEO/CFO certificate for Commercial Paper proceeds

Operational Highlights

Asset Quality Indicators (Standalone)

Provision Coverage Ratio (PCR): 48.12% (June 2026) vs 50.92% (June 2025)
Gross NPA (%): 2.14% (June 2026) vs 2.62% (June 2025)
Net NPA (%): 1.12% (June 2026) vs 1.30% (June 2025)
Liquidity Coverage Ratio: 219.86% (June 2026) vs 177.43% (June 2025)

Loan Transfer Disclosure

Transferred one stressed loan classified as NPA during Q1 FY27
Aggregate Principal Outstanding: ₹180.32 crore
Net Book Value at Transfer: ₹72.24 crore
Aggregate Consideration: ₹140.00 crore
Additional Consideration Realized: ₹140.00 crore (from earlier years)
Balance to be Realized: ₹0.00 crore

Project Finance Disclosure (Q1 FY27)

Projects under Implementation (Beginning): 86 accounts, ₹1,939.95 crore
Projects Sanctioned during Quarter: 12 accounts, ₹228.95 crore
Projects where DCCO Achieved: ₹32.77 crore
Movement of Loans: (11) accounts, ₹47.25 crore
Projects under Implementation (End): 85 accounts, ₹2,183.38 crore

Segment-wise Performance (Consolidated)

Loans Segment

Segment Revenue: ₹7,065.53 crore
Segment Result: ₹1,888.43 crore
Segment Assets: ₹3,26,767.47 crore
Segment Liabilities: ₹2,83,959.76 crore
Net Assets: ₹42,807.71 crore

Other Segments (Financial Services, Construction, Asset Management, Trusteeship)

Segment Revenue: ₹33.63 crore
Segment Result: ₹11.78 crore
Segment Assets: ₹334.74 crore
Segment Liabilities: ₹105.93 crore
Net Assets: ₹228.81 crore

Security Cover Certificate

Security Cover Ratio for NCDs: 1.23 times as of June 30, 2026
Certified by Joint Statutory Auditors: Shah Gupta & Co. and Batliboi & Purohit
Covers listed non-convertible debt securities secured by negative lien

Fund Raising Activities (Q1 FY27)

Non-Convertible Debentures (NCDs)

INE115A07RI2: ₹1,150.00 crore (raised June 15, 2026)
INE115A07RJ0: ₹3,500.00 crore (raised June 24, 2026)
Total NCD Raised: ₹4,650.00 crore
Utilization: 100% for disclosed purposes (no deviation)

Commercial Papers

INE115A14FV6: ₹2,000.00 crore (raised May 29, 2026)
INE115A14FW4: ₹2,000.00 crore (raised June 10, 2026)
INE115A14FX2: ₹1,500.00 crore (raised June 18, 2026)
Total CP Raised: ₹5,500.00 crore
Utilization: 100% for disclosed purposes (no deviation)

Key Ratios (Regulation 52(4) Compliance)

Debt Equity Ratio: 6.59 (June 2026) vs 7.37 (June 2025)
Net Worth: ₹42,807.71 crore (June 2026) vs ₹37,616.71 crore (June 2025)
Net Profit After Tax: ₹1,488.32 crore (June 2026) vs ₹1,359.92 crore (June 2025)
Total Debts to Total Assets: 0.86 (June 2026) vs 0.88 (June 2025)
Net Profit Margin: 21.06% (June 2026) vs 18.97% (June 2025)

Additional Submissions

Nil statement of deviation/variation in use of issue proceeds under Regulation 32
CEO/CFO certification confirming true and fair view of financial statements
CFO certificate on use of Commercial Paper proceeds as per SEBI Master Circular

Document Submission

Submitted to National Stock Exchange of India Ltd. and BSE Limited
Uploaded on company website: https://www.lichousing.com/
To be published in newspapers as per Regulation 47 requirements