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LIC Housing Finance Ltd.

FinanceFinance - Housing

www.lichousing.com BSE: 500253NSE: LICHSGFIN

₹502.00BSE0.35%

22 Oct, 4:01 PM

₹502.00

₹27.61K Cr

4.81

0.64

14.41%

₹505.50

₹497.85

₹595.00

₹459.05

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Price Performance

Peer Comparison

Name
BAJAJHFL BAJAJHFL	81.01	648.04	67,500.24	0.00					7.09
PIRAMALFIN PIRAMALFIN	1,956.05	24.38	46,286.07	0.56	545.42	66.80%	3,659.19	27.43%	7.74
HUDCO HUDCO	151.80	7.14	30,388.84	3.99	851.11	35.05%	3,717.17	26.55%	8.41
PNBHOUSING PNBHOUSING	1,127.75	12.70	29,412.16	0.71	557.34	4.47%	2,263.44	9.02%	9.41
LIC Housing Finance Ltd. LICHSGFIN	502.00	4.81	27,613.16	1.99	1,499.03	9.90%	7,082.59	-1.44%	8.59
AADHARHFC AADHARHFC	456.20	17.60	19,999.50	0.00	282.36	19.00%	992.89	17.06%	11.31
SAMMAANCAP SAMMAANCAP	119.60		13,928.10	0.00	243.30	-27.22%	1,651.93	-31.18%	-4.70
APTUS APTUS	201.70	10.26	10,101.75	2.23	260.94	19.01%	600.29	15.38%	15.45

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	6,948.21	6,796.85	6,937.72	7,069.99	7,303.33	7,186.34	7,179.25	7,208.92	7,211.92	7,082.59
Expenses	799.15	391.83	372.06	296.87	544.74	410.16	450.38	478.31	463.40	210.04
	6,149.06	6,405.02	6,565.66	6,773.12	6,758.59	6,776.18	6,728.87	6,730.61	6,748.52	6,872.55
	88.50%	94.24%	94.64%	95.80%	92.54%	94.29%	93.73%	93.37%	93.57%	97.03%
	0.40	0.00	0.59	0.00	0.18	0.13	0.52	5.36	0.09	2.99
Interest	4,648.92	4,749.32	4,878.61	4,950.41	4,951.12	5,047.09	4,994.08	4,940.87	4,786.36	4,946.35
	18.36	22.50	23.94	24.92	26.41	24.90	32.33	33.55	30.94	30.15
	1,481.77	1,635.47	1,665.03	1,798.31	1,780.06	1,704.60	1,703.00	1,762.42	1,933.47	1,901.18
	27.00%	20.12%	20.25%	20.21%	22.83%	19.98%	20.77%	20.66%	22.80%	21.15%
	1,081.57	1,306.30	1,327.71	1,434.84	1,373.39	1,363.89	1,349.25	1,398.02	1,492.54	1,498.85
	19.65	23.73	24.12	26.07	24.95	24.78	24.51	25.40	27.12	27.23

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	19,974.36	22,713.90	27,276.97	28,097.16	28,837.11
Operating Income (Net)	19,974.36	22,713.90	27,276.97	28,097.16	28,837.11
EXPENDITURE :
Employee Cost	602.45	516.41	649.63	755.22	714.36
Operating & Establishment Expenses	160.54	239.93	194.87	215.27	249.29
Administrations & Other Expenses	118.55	148.01	174.38	170.90	180.77
Provisions and Contingencies	2,130.23	2,059.30	1,737.45	453.29	713.14
	3,011.77	2,963.65	2,756.33	1,594.68	1,857.56
Operating Profit (Excl OI)	16,962.59	19,750.25	24,520.64	26,502.48	26,979.55
	30.95	14.32	0.83	3.44	12.87
	16,993.54	19,764.57	24,521.47	26,505.92	26,992.42
Interest	14,151.09	16,134.76	18,387.87	19,532.23	19,770.55
	55.19	69.04	69.23	97.77	121.72
Profit Before Taxation & Exceptional Items	2,787.26	3,560.77	6,064.37	6,875.92	7,100.15
	2,787.26	3,560.77	6,068.13	6,878.86	7,103.47
Provision for Tax	501.26	669.60	1,304.81	1,436.16	1,499.23
	2,286.00	2,891.17	4,763.32	5,442.70	5,604.24
Extra items				0.00	0.00
Minority Interest	-0.35	-0.41	-0.35	-0.48	-0.58
Share of Associate	0.69	0.24
Consolidated Net Profit	2,286.34	2,891.00	4,762.97	5,442.22	5,603.66
Profit Balance B/F	4,677.51	4,843.58	5,437.43	7,412.03	9,987.14
Appropriations	6,963.85	7,734.58	10,200.40	12,854.25	15,590.80
Equity Dividend %	425.00%	425.00%	450.00%	500.00%	500.00%
	41.56	52.55	86.58	98.93	101.87
Adjusted EPS	41.56	52.55	86.58	98.93	101.87

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	110.08	110.08	110.08	110.08	110.08
Total Reserves	24,640.74	27,074.58	31,366.58	36,241.71	41,318.85
Reserve excluding Revaluation Reserve	24,640.74	27,074.58	31,366.58	36,241.71	41,318.85
Revaluation reserve	0.00
	24,750.82	27,184.66	31,476.66	36,351.79	41,428.93
Minority Interest	2.92	3.19	3.40	3.72	4.11
Secured Loans	1,75,012.36	1,96,882.66	1,64,030.67	1,71,738.69	1,86,730.13
Unsecured Loans	21,330.26	13,376.53	5,712.13	7,199.62	8,004.22
Deferred Tax Assets / Liabilities	-1,371.24	-1,895.75	-1,638.41	-1,299.67	-1,060.99
Other Long Term Liabilities	179.54	240.87	524.78	259.37	433.33
Long Term Trade Payables					0.02
Long Term Provisions	173.93	176.97	138.32	95.39	34.02
Total Non-Current Liabilities	1,95,324.85	2,08,781.28	1,68,767.49	1,77,993.40	1,94,140.73
Trade Payables	53.97	33.72	70.60	216.24	94.68
Other Current Liabilities	5,918.63	6,186.78	6,572.38	6,279.93	5,627.68
Short Term Borrowings	27,264.22	34,469.60	82,704.85	91,603.25	82,621.47
Short Term Provisions		3.87	99.87	269.59	234.36
Total Current Liabilities	33,236.82	40,693.97	89,447.70	98,369.01	88,578.19
Total Liabilities	2,53,315.41	2,76,663.10	2,89,695.25	3,12,717.92	3,24,151.96
Loans (Non - Current Assets)	2,45,222.21	2,67,761.25	2,80,532.06	3,02,778.25	3,16,065.80
Gross Block	465.09	596.48	700.27	783.87	938.37
Less: Accumulated Depreciation	150.27	208.00	340.65	435.76	551.08
Net Block	314.82	388.48	359.62	348.11	387.29
Capital Work in Progress	2.85	0.84	0.20	0.09
Non Current Investments	4,716.60	4,758.63	4,515.20	4,521.68	4,604.45
Long Term Investment	4,716.60	4,758.63	4,515.20	4,521.68	4,604.45
Long Term Loans & Advances	260.88	339.57	0.01		0.55
Other Non Current Assets	34.11	39.60	32.98	155.56	582.28
Total Non-Current Assets	2,50,552.92	2,73,288.37	2,85,469.24	3,07,884.24	3,21,669.49
Currents Investments	1,562.78	2,291.08	1,822.23	2,419.73	527.68
Sundry Debtors	8.38	0.72	9.93	11.62	7.66
Cash and Bank	984.66	821.56	1,655.18	1,358.52	804.47
Other Current Assets	80.52	0.13	313.52	431.40	505.01
Short Term Loans and Advances	18.77	22.35	425.15	612.41	637.65
Total Current Assets	2,655.11	3,135.84	4,226.01	4,833.68	2,482.47
Net Current Assets (Including Current Investments)	-30,581.71	-37,558.13	-85,221.69	-93,535.33	-86,095.72
Total Assets	2,53,315.41	2,76,663.10	2,89,695.25	3,12,717.92	3,24,151.96
Contingent Liabilities	62.28	89.75	1,429.38	55.55	35.15
Total Debt	2,23,606.84	2,44,728.79	2,52,447.65	2,70,541.56	2,77,355.82
	449.93	494.18	572.20	660.82	753.12
Adjusted Book Value	449.93	494.18	572.20	660.82	753.12

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	2,787.25	3,560.77	6,068.13	6,878.86	7,103.47
Adjustment	1,469.16	1,571.87	2,445.60	680.64	157.17
Changes In working Capital	-794.27	223.21	174.04	-977.04	-585.12
Cash Flow after changes in Working Capital	3,462.14	5,355.85	8,687.77	6,582.46	6,675.52
Cash Flow from Operating Activities	-16,729.27	-19,632.00	-7,151.41	-16,977.97	-8,503.83
Cash Flow from Investing Activities	-1,628.21	-799.67	587.29	-678.97	1,752.04
Cash Flow from Financing Activitie	17,850.27	20,248.69	7,345.57	17,533.93	6,191.79
Net Cash Inflow / Outflow	-507.21	-182.98	781.45	-123.01	-560.00
Opening Cash & Cash Equivalents	1,331.87	824.35	641.38	1,392.57	1,269.56
Effect of Foreign Exchange Fluctuations	-0.31	0.01	-0.01
Closing Cash & Cash Equivalent	824.35	641.38	1,422.82	1,269.56	709.56

Ratios

Valuation

4.81

0.64

11.23

0.97

104.33

780.38

Profitability

14.41

8.59

1.76

93.56

19.43

Leverage & Liquidity

6.69

0.03

1.36

Returns

1.99

0.09

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24
	44.41	42.47	42.68	42.89	42.46	42.31	42.17	42.28	42.49	40.50
	10.35	12.29	12.08	11.87	12.30	12.45	12.59	12.48	12.27	14.26
	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76
No. of Shareholders	3,03,961	3,61,857	3,66,899	3,64,182	3,64,388	3,58,982	3,52,873	3,47,941	3,37,873	3,29,720

Mutual Funds Invested(169)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 92 active funds hold 17.99% in LIC Housing Finance Ltd., contributing to ₹5.25K Cr of holdings

Fund				As of
IP ICICI Prudential Value Fund - Growth - Direct PlanEquity - Value Fund	581.93	1.02	1,09,75,695	Sep '26
KO Kotak Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	462.97	1.53	87,31,931	Sep '26
ID Bandhan Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	360.68	1.75	68,02,752	Sep '26
HD HDFC Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	239.39	0.84	45,15,018	Sep '26
IP ICICI Prudential Banking & Financial Services Fund - Growth - Direct PlanBanks & Financial Services	236.34	2.19	44,57,570	Sep '26
NI Nippon India Small Cap Fund - Growth - Direct PlanSmall cap Fund	213.02	0.26	40,17,748	Sep '26
KO Kotak Arbitrage Fund - Growth - Direct PlanHybrid - Arbitrage Fund	200.89	0.27	37,89,000	Sep '26
IN Invesco India Arbitrage Fund - Growth - Direct PlanHybrid - Arbitrage Fund	194.85	0.64	36,75,000	Sep '26
IP ICICI Prudential Multi Asset Allocation Fund - Growth - Direct PlanHybrid - Multi Asset Allocation	174.58	0.21	32,92,667	Sep '26
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	172.86	0.48	32,60,202	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-21	Board Meeting	Quarterly Results
2026-07-20	Board Meeting	Quarterly Results
2026-06-29	Board Meeting	Inter alia, to consider and approve:- (1) Determination of the date of 37th Annual General Meeting (2) Record date for the purpose of determining the eligibility of the members for the dividend payment subject to approval of members.

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - Housing

LIC Housing Finance Ltd. operates in the Finance sector under the Finance - Housing industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

17 members across the board and senior leadership

Varsha Hardasani

Company Secretary & Compliance Officer

—

R Doraiswamy

Chairman

—

Ratnakar Patnaik

Nominee Director - LIC

—

Tribhuwan Adhikari

Managing Director & Chief Executive Officer

₹1.06 Cr

Mar '25

P Koteswara Rao

Non Independent & Non Executive Director

₹13.50 L

Mar '26

Akshay Rout

Non Independent & Non Executive Director

₹22.10 L

Mar '26

Kashi Prasad Khandelwal

Non Executive Independent Director

₹13.40 L

Mar '26

Sanjay Kumar Khemani

Non Executive Independent Director

₹8.90 L

Mar '26

Jagennath Jayanthi

Non Executive Independent Women Director

₹22.10 L

Mar '26

Ravi Krishan Takkar

Non Executive Independent Director

₹19.40 L

Mar '26

Ramesh Lakshman Adige

Non Executive Independent Director

₹18.90 L

Mar '26

Anil Kaul

Non Executive Independent Director

₹21.00 L

Mar '26

Masil Jeya Mohan P

Non Executive Independent Director

₹17.80 L

Mar '26

TC Suseel Kumar

Non Executive Independent Director

₹12.40 L

Mar '26

T C Suseel Kumar

Non Executive Independent Director

—

P Masil Jeya Mohan

Non Executive Independent Director

—

Doraiswamy Ramachandran

Chairman

—

LICHSGFIN Latest News

News

4 of 4 articles

EQUITY5 Aug 2026 · 16:59

LIC Housing Finance informs about conference call

EQUITY5 Aug 2026 · 15:03

LIC Housing Finance informs about conference call

EQUITY20 Jul 2026 · 15:23

LIC Housing Finance informs about board meeting

EQUITY13 May 2026 · 21:52

LIC Housing Finance reports Profit after tax of Rs 14974.10 Mln, in the March 2026 quarter

LICHSGFIN

₹502.00

-0.35%