LIC Housing Finance Limited announced its standalone audited results for the first quarter ended June 30, 2026, approved by the Board of Directors in a meeting held in Mumbai on July 30, 2026.
Financial Performance Highlights (YoY Comparison)
Revenue from Operations: ₹7062.45 crore (June 2026) vs ₹7169.32 crore (June 2025), decrease of 1%
Net Interest Income: ₹2075.52 crore (June 2026) vs ₹2064.71 crore (June 2025), increase of 0.5%
Profit Before Tax: ₹1888.43 crore (June 2026) vs ₹1699.16 crore (June 2025), increase of 11%
Profit After Tax: ₹1488.32 crore (June 2026) vs ₹1359.92 crore (June 2025), increase of 9.4%
Net Interest Margin: 2.58% (June 2026) vs 2.68% (June 2025)
Business Performance Metrics
Total Disbursements: ₹15014 crore in Q1 FY2027 vs ₹13116 crore in Q1 FY2026, increase of 14.5%
- Individual Home Loan Disbursements: ₹12119 crore vs ₹11247 crore, increase of 8%
- Non-Housing Individual Loan Disbursements: ₹1975 crore vs ₹1647 crore, increase of 20%
- Project Loan Disbursements: ₹872 crore vs ₹156 crore, increase of 459%
Outstanding Loan Portfolio: ₹322098 crore as on June 30, 2026 vs ₹309587 crore as on June 30, 2025, increase of 4%
- Individual Home Loan Portfolio: ₹271979 crore vs ₹262411 crore, increase of 4%
- Project Loan Portfolio: ₹9687 crore vs ₹8950 crore, increase of 8%
Asset Quality and Provisions
Under IndAS 109, provisions for Expected Credit Loss stood at ₹4398.43 crore as on June 30, 2026, compared to ₹5051.27 crore as on June 30, 2025.
Stage 3 Exposure at Default: 2.14% as of June 30, 2026 vs 2.62% as of June 30, 2025
Management Commentary
Tribhuwan Adhikari, Managing Director & Chief Executive Officer, stated that the company recently celebrated 37 years by launching the 'Har Ghar Ka Humsafar' campaign, reaffirming commitment to expanding homeownership in India. He attributed the quarter's performance to customer-centric approach, disciplined execution, and operational efficiency.
Recent Recognition
The company was recognized by the National Housing Bank as the 'Best Housing Finance Company' for the second consecutive year.
Outlook
Management expects a stable interest rate environment along with positive growth trajectory for India, which will provide a favorable backdrop for the sector despite headwinds from geopolitical conflicts in other parts of the world.
Company Background
LIC Housing Finance Ltd. is the largest housing finance company in India with offices across the country and a representative office in Dubai. The company distributes products through branches of its subsidiary LIC HFL Financial Services Ltd. Promoted by Life Insurance Corporation in 1989, the company enjoys the highest credit rating AAA/Stable from CRISIL & CARE.