INTEGRATED FILING — NBFC



General information about company

Scrip code 500253
NSE Symbol LICHSGFIN
MSEI Symbol NOTLISTED
ISIN INE115A01026
Name of company LIC Housing Finance Limited
Type of company Main Board
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 01-Aug-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 23-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 01-Aug-2025   14:00:00
End date and time of board meeting 01-Aug-2025   19:40:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results — NBFC
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations
(i) Interest Income 71216800000 71216800000
(ii) Dividend Income 0 0
(iii) Rental Income 0 0
(iv) Fees and commission Income 167400000 167400000
(v) Net gain on fair value changes 246900000 246900000
(vi) Net gain on derecognition of financial instruments under amortised cost category 28200000 28200000
(vii) Sale of products (including Excise Duty) 0 0
(viii) Sale of services 0 0
(ix) Other revenue from operations
1 OTHERS 842300000 842300000
Total other revenue from operations 842300000 842300000
Total Revenue From Operations 72501600000 72501600000
Other income 0 0
Total income 72501600000 72501600000
2 Expenses
Cost of materials consumed 0 0
Purchases of stock-in-trade 0 0
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0 0
Employee benefit expense 1756000000 1756000000
Finance costs 50460100000 50460100000
Depreciation, depletion and amortisation expense 249000000 249000000
Fees and commission expense 147500000 147500000
Net loss on fair value changes 0 0
Net loss on derecognition of financial instruments under amortised cost category 0 0
Impairment on financial instruments 1928700000 1928700000
(f) Other expenses
1 OTHERS 917100000
Total other expenses 917100000 917100000
Total expenses 55458400000 55458400000
3 Total profit before exceptional items and tax 17043200000 17043200000
4 Exceptional items 0 0
5 Total profit before tax 17043200000 17043200000
7 Tax expense
8 Current tax 3057700000 3057700000
9 Deferred tax 348300000 348300000
10 Total tax expenses 3406000000 3406000000
11 Net Profit Loss for the period from continuing operations 13637200000 13637200000
12 Profit (loss) from discontinued operations before tax 0 0
13 Tax expense of discontinued operations 0 0
17 Net profit (loss) from discontinued operation after tax 0 0
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 2800000 2800000
15 Total profit (loss) for period 13640000000 13640000000
16 Other comprehensive income net of taxes -6900000 -6900000
17 Total Comprehensive Income for the period 13633100000 13633100000
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 13638900000 13638900000
Total profit or loss, attributable to non-controlling interests 1100000 1100000
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 13632000000 13632000000
Total comprehensive income for the period attributable to owners of parent non-controlling interests 1100000 1100000
20 Details of equity share capital
Paid-up equity share capital 1100800000 1100800000
Face value of equity share capital 2 2
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 24.8 24.8
Diluted earnings per share from continuing operations 24.8 24.8
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 24.8 24.8
Diluted earnings per share 24.8 24.8
23 Debt equity ratio 0.0773 0.0773
24 Debt service coverage ratio 0.0 0.0
25 Interest service coverage ratio 0.0 0.0
26 Disclosure of notes on financial results Textual Information(1)


Remarks
23 Debt equity ratio
24 Debt service coverage ratio The Company, being a Housing Finance Company ('HFC'), disclosure of Debt service coverage ratio, Interest service coverage ratio, current ratio, Long term debt to working capital, Bad debts to Accounts receivable ratio, Current liability ratio, Debtors turnover, Inventory turnover ratio are not relevant as the Company is engaged in financing activities.
25 Interest service coverage ratio The Company, being a Housing Finance Company ('HFC'), disclosure of Debt service coverage ratio, Interest service coverage ratio, current ratio, Long term debt to working capital, Bad debts to Accounts receivable ratio, Current liability ratio, Debtors turnover, Inventory turnover ratio are not relevant as the Company is engaged in financing activities.


Text Block
Textual Information(1) The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard, notified under Section 133 of the Companies Act, 2013 read with Companies (Indian Accounting Standards) Rules, 2015, as amended from time to time, and other accounting principles generally accepted in India and in compliance with Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. Any application guidance / clarifications / directions issued by the Reserve Bank of India (RBI), the National Housing Bank (NHB) or other regulators are implemented as and when they are issued / become applicable. During the quarter the Company has performed an assignment of receivables in the process of securitization amounting to Rs. 1,112.05 Crore under the RBI (Securitisation of Standard Assets) Directions, 2021 - RBI/DOR/2021-22/85 DOR.STR.REC.53/21.04.177/2021-22 dated September 24, 2021. There are no loans transferred / acquired during the quarter ended June 30, 2025 under the RBI (Transfer of Loan Exposures) Direction, 2021 - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated September 24, 2021. The Secured listed non-convertible debt securites of the Company are secured by a negative lien on the assets of the Company (excluding current and future receivables and book-debt of whatsoever nature of the Company on which a first pari-pasu floating charge by way of hypothecation to secure the borrowings of the company outstanding as on March 31, 2015 and the unavailed sanctions of the term loans, cash credit and refinance as on March 31, 2015), with a minimum Security cover of 100%. In addition to above the Debentures would be secured by mortgage on an Immovable Property owned by the Company. Security cover for NCD issued by the company is 1.21 times as at June 30, 2025. In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above results for the quarter ended June 30, 2025 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on August 01, 2025. The above results have been Audited / Limited Reviewed by the Joint Statutory Auditors of the Company. The figures for the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the full financial year for 2024-25 and published unaudited year to date figures upto the third quarter ended December 31, 2024. The figures for the previous periods / year have been regrouped wherever necessary in order to make them comparable.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
Whether accounts are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 SEGMENT REVENUE 72331400000
2 OTHERS 254000000
Total Segment Revenue 72585400000 72585400000
Less: Inter segment revenue 83700000
Revenue from operations 72501700000 72501700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 SEGMENT REVENUE 16991600000
2 OTHERS 42600000
Total Profit before tax 17034200000 17034200000
i. Finance cost 0
ii. Other Unallocable Expenditure net off Unallocable income -11700000 -11700000
Profit before tax 17045900000 17045900000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 SEGMENT REVENUE 3162572000000 3162572000000
2 OTHERS 3009100000 3009100000
Total Segment Asset 3165581100000 3165581100000
Un-allocable Assets -1797500000 -1797500000
Net Segment Asset 3163783600000 3163783600000
4 Segment Liabilities
Segment Liabilities
1 SEGMENT REVENUE 2786404900000 2786404900000
2 OTHERS 959000000 959000000
Total Segment Liabilities 2787363900000 2787363900000
Un-allocable Liabilities -768300000 -768300000
Net Segment Liabilities 2786595600000 2786595600000
Disclosure of notes on segments Textual Information(1)


Text Block
Textual Information(1) (i) The accounting policies adopted for segment reporting are in line with the policies of the Group. Segment revenue, segment expenses, segment assets and segment liabilities have been identified to segments on the basis of their relationship to the operating activities of the segment. (ii) Transfer prices between operating segments are on an arm’s length basis in a manner similar to transactions with third parties. (iii) Loans segment comprises of providing finance for purchase, construction, repairs, renovation of house/buildings. (iv) Other Segments comprise of Financial Services segment which involves business of marketing Financial Products and Services on own account as well as for and on behalf of other service providers, Construction Segment which establishes and operates assisted living community centres for elderly citizens in India, Asset Management segment which includes promoting and managing different schemes on behalf of LIC Mutual Fund and Trusteeship segment which supervises activities of LIC Mutual Fund. (v) The Company does not have any material operations outside India and hence, disclosure of geographic segments is not given. (vi) No single customer represents 10% or more of the Company’s total revenue for the period ended june 30, 2025.


Other Comprehensive Income
Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025 01-Apr-2025
B Date of end of reporting period 30-Jun-2025 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Items that will not be reclassified to profit or loss -9200000 -9200000
Total Amount of items that will not be reclassified to profit and loss -9200000 -9200000
2 Income tax relating to items that will not be reclassified to profit or loss -2300000 -2300000
3 Amount of items that will be reclassified to profit and loss
Total Amount of items that will be reclassified to profit and loss
4 Income tax relating to items that will be reclassified to profit or loss 0 0
5 Total Other comprehensive income -6900000 -6900000




Details of Impact of Audit Qualification
Whether results are audited or unaudited Unaudited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 S G C O & CO LLP Yes 31-Oct-2025
2 K J C O & CO Yes 31-Aug-2025