Key Financial Performance - Q2 FY27 (Quarter Ended September 30, 2026)

Profitability:

  • Profit After Tax (PAT): ₹1,508.78 crore, increased by 11% from ₹1,353.87 crore in Q2 FY26.
  • Profit Before Tax: ₹1,918.55 crore, increased by 13% from ₹1,704.71 crore in Q2 FY26.
  • Tax Expense: ₹409.77 crore, increased by 17% from ₹350.84 crore in Q2 FY26.

Revenue and Income:

  • Total Revenue from Operations: ₹7,175.08 crore, increased by 1% from ₹7,073.86 crore in Q2 FY26.
  • Net Interest Income: ₹2,087.86 crore, increased by 2% from ₹2,037.37 crore in Q2 FY26.
  • Finance Cost: ₹5,024.15 crore, increased by 1% from ₹4,996.17 crore in Q2 FY26.

Asset Quality and Provisions:

  • Impairment on Financial Instruments: Net reversal of ₹92.57 crore compared to a provision expense of ₹71.99 crore in Q2 FY26 (a 229% improvement).
  • Stage 3 Exposure at Default (EAD): 2.05% as of September 30, 2026, improved from 2.51% as of September 30, 2025.
  • Total ECL Provision: ₹4,292 crore as of September 30, 2026, reduced from ₹5,074 crore as of September 30, 2025.
  • Stage 1 Provision: ₹623.07 crore
  • Stage 2 Provision: ₹386.65 crore
  • Stage 3 Provision: ₹3,281.86 crore
  • Stage 3 PCR: 49%

Operational Highlights - Q2 FY27

Loan Portfolio:

  • Outstanding Loan Portfolio: ₹326,173 crore, increased by 5% YoY from ₹311,816 crore.
  • Retail Loan Portfolio: ₹316,433 crore, increased by 4% YoY.
  • Project Loan Portfolio: ₹9,740 crore, increased by 12% YoY.

Disbursements:

  • Total Disbursements: ₹18,127 crore, increased by 11% from ₹16,313 crore in Q2 FY26.
  • Retail Loan Disbursements: ₹17,563 crore, increased by 10% from ₹15,935 crore.
  • Project Finance Disbursements: ₹564 crore, increased by 49% from ₹378 crore.

Margins and Ratios:

  • Net Interest Margin: 2.58% for Q2 FY27, decreased from 2.62% for Q2 FY26.
  • Return on Average Equity: 15% for Q2 FY27, improved from 14% for Q2 FY26.
  • Return on Average Assets: 1.74% for Q2 FY27, decreased from 1.86% for Q2 FY26.
  • Capital Adequacy Ratio (as of March 2026):
  • Tier I: 24.20%
  • Tier II: 1.29%
  • Total: 25.48%

H1 FY27 Performance (Six Months Ended September 30, 2026)

Profitability:

  • Profit After Tax: ₹2,997.10 crore, increased by 10% from ₹2,713.79 crore in H1 FY26.
  • Profit Before Tax: ₹3,806.98 crore, increased by 12% from ₹3,403.87 crore in H1 FY26.
  • Tax Expense: ₹809.88 crore, increased by 17% from ₹690.08 crore in H1 FY26.

Revenue and Income:

  • Total Revenue from Operations: ₹14,236.25 crore, virtually flat compared to ₹14,243.18 crore in H1 FY26.
  • Net Interest Income: ₹4,163.38 crore, increased by 1% from ₹4,102.08 crore in H1 FY26.
  • Finance Cost: ₹9,972.20 crore, decreased by 1% from ₹10,044.52 crore in H1 FY26.

Operational Metrics (H1 FY27):

  • Total Disbursements: ₹33,140 crore, increased by 13% from ₹29,429 crore in H1 FY26.
  • Retail Loan Disbursements: ₹31,704 crore, increased by 10% from ₹28,895 crore.
  • Project Finance Disbursements: ₹1,436 crore, increased by 169% from ₹534 crore.
  • Weighted Average Cost of Funds: 7.29%
  • Yield on Advances (annualized): 9.04%
  • Spreads: 1.75%

Additional Business Metrics

Portfolio Characteristics (as of September 30, 2026):

  • Pure Floating Rate Loans: 99% of outstanding portfolio
  • Loan To Value Ratio on Incremental Sanctions: 48%
  • Installment to Net Income Ratio on Incremental Sanctions: 42%
  • Prepayment Rate (Lump Sum/opening book): 11.9%

Network and Distribution:

  • 10 Regional Offices
  • 23 Back Offices
  • 39 Cluster Offices
  • 297 Area Offices
  • 2,548 Employees
  • Representative office in Dubai
  • Distribution channels include Home Loan Agents (HLAs), Direct Sales Agents (DSAs), Customer Relations Associates (CRAs), and 46 branches of LICHFL Financial Services (100% subsidiary)
  • Online Loan Approvals: ₹1,794 crore during H1 FY27

Shareholding Pattern (September 2026):

  • Life Insurance Corporation Of India: 45.24%
  • ICICI Prudential Asset Management Co. Ltd.: 5.22%
  • Kotak Mahindra Asset Management Company Limited: 3.95%
  • Bank Muscat SAOG: 2.09%
  • Norges Bank Investment Management (NBIM): 2.08%
  • Bandhan Asset Management Company Limited: 2.03%
  • Quant Money Managers Ltd: 1.86%
  • Vanguard Capital Management, LLC: 1.70%
  • Nippon Life India Asset Management Limited: 1.43%
  • HDFC Asset Management Co., Ltd.: 1.26%

Disclaimer

The presentation includes a standard disclaimer noting that it is for informational purposes only and that neither the company nor its officials would be liable for any action taken based on the information provided.