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 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 29-10-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 17-10-2025
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Second 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 Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 29-10-2025   14:30:00
End date and time of board meeting 29-10-2025   18:55:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results — NBFC

Amount in (Lakhs)

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 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Income
Revenue from operations
(i) Interest Income 7,04,191.00 14,16,359.00
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 2,321.00 3,995.00
(v) Net gain on fair value changes 1,119.00 3,588.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 625.00 907.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 0.00 0.00
(ix) Other revenue from operations
1 OTHERS 9,669.00 18,092.00
Total other revenue from operations 9,669.00 18,092.00
Total Revenue From Operations 7,17,925.00 14,42,941.00
Other income 52.00 52.00
Total income 7,17,977.00 14,42,993.00
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 16,072.00 33,632.00
Finance costs 4,99,408.00 10,04,009.00
Depreciation, depletion and amortisation expense 3,233.00 5,723.00
Fees and commission expense 2,923.00 4,398.00
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 0.00 0.00
Impairment on financial instruments 16,816.00 36,103.00
(f) Other expenses
1 OTHERS 9,227.00 18,398.00
Total other expenses 9,227.00 18,398.00
Total expenses 5,47,679.00 11,02,263.00
3 Total profit before exceptional items and tax 1,70,298.00 3,40,730.00
4 Exceptional items 0.00 0.00
5 Total profit before tax 1,70,298.00 3,40,730.00
7 Tax expense
8 Current tax 31,916.00 62,493.00
9 Deferred tax 3,447.00 6,930.00
10 Total tax expenses 35,363.00 69,423.00
11 Net Profit Loss for the period from continuing operations 1,34,935.00 2,71,307.00
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 2.00 30.00
15 Total profit (loss) for period 1,34,937.00 2,71,337.00
16 Other comprehensive income net of taxes 203.00 134.00
17 Total Comprehensive Income for the period 1,35,140.00 2,71,471.00
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 1,34,925.00 2,71,314.00
Total profit or loss, attributable to non-controlling interests 12.00 23.00
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 1,35,128.00 2,71,448.00
Total comprehensive income for the period attributable to owners of parent non-controlling interests 12.00 23.00
20 Details of equity share capital
Paid-up equity share capital 11,008.00 11,008.00
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 24.53 49.33
Diluted earnings per share from continuing operations 24.53 49.33
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 24.53 49.33
Diluted earnings per share 24.53 49.33
23 Debt equity ratio 7.600 7.600
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
25 Interest service coverage ratio


Text Block

Textual Information(1) 1. The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . 2. 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. 3. The members at the Annual General Meeting held on August 29, 2025, approved the payment of final dividend of Rs 10 per equity share aggregating to Rs 550.06 crore for the year ended March 31, 2025, as recommended by Board of Directors of the Company at its meeting held on May 15, 2025. Accordingly, the dividend amount has been paid to the shareholders in September 2025. 4. Information as required by Reserve Bank of India vide circular DOR.no. BP.BC/3/21.04.048/2020-21 dated August 6, 2020 and circular RBI/2021-22/31 DOR.STR.REC.11/21.04.048/2021-22 dated May 5, 2021 on Resolution Framework - 2.0 as at September 30, 2025 are given below. Type of borrower Exposure to Accounts classified as Standard consequent to implementation of resolution plan - Position as at March 31, 2025 (A) Of (A), aggregate debt that slipped into NPA during the current half year Of (A), amount written off during the current half year Of (A), amount paid by the borrowers during the current half year Exposure to accounts classified as Standard consequent to implementation of resolution plan – Position as at the end of September 30, 2025. Personal Loans 1,546.52 127.96 1.87 127.74 1,288.95 Corporate persons 286.06 38.24 - 15.20 232.62 Of which, MSMEs - - - - Others - - - - Total 1,832.58 166.20 1.87 142.94 1,521.57 5. There are no loans transferred / acquired during the quarter / period ended September 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. 6. The Secured listed non-convertible debt securites of the Holding 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 1.20 times as at September 30, 2025. 7. In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above results for the quarter and half year ended September 30, 2025 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on October 29, 2025. The above results have been Audited / Limited Reviewed by the Joint Statutory Auditors of the Company. 8. The figures for the previous periods / year have been regrouped wherever necessary in order to make them comparable.


Cash flow statement, indirect

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2025
B Date of end of reporting period 30-09-2025
C Whether results are audited or unaudited Unaudited
D Nature of report standalone or consolidated Consolidated
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 3,40,730.00
Adjustments for reconcile profit (loss)
Adjustments for finance costs 10,04,009.00
Adjustments for decrease (increase) in inventories 0.00
Adjustments for decrease (increase) in trade receivables, current 0.00
Adjustments for decrease (increase) in trade receivables, non-current 0.00
Adjustments for decrease (increase) in other current assets (1,795.00)
Adjustments for decrease (increase) in other non-current assets (3,99,487.00)
Adjustments for other financial assets, non-current 0.00
Adjustments for other financial assets, current 0.00
Adjustments for other bank balances 0.00
Adjustments for increase (decrease) in trade payables, current 0.00
Adjustments for increase (decrease) in trade payables, non-current 0.00
Adjustments for increase (decrease) in other current liabilities (23,414.00)
Adjustments for increase (decrease) in other non-current liabilities 4,577.00
Adjustments for depreciation and amortisation expense 5,723.00
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 36,103.00
Adjustments for provisions, current 0.00
Adjustments for provisions, non-current 0.00
Adjustments for other financial liabilities, current 0.00
Adjustments for other financial liabilities, non-current 0.00
Adjustments for unrealised foreign exchange losses gains 0.00
Adjustments for dividend income 52.00
Adjustments for interest income 14,16,359.00
Adjustments for share-based payments 0.00
Adjustments for fair value losses (gains) 0.00
Adjustments for undistributed profits of associates (30.00)
Other adjustments for which cash effects are investing or financing cash flow 0.00
Other adjustments to reconcile profit (loss) 0.00
Other adjustments for non-cash items (12,361.00)
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0.00
Total adjustments for reconcile profit (loss) (8,03,026.00)
Net cash flows from (used in) operations (4,62,296.00)
Dividends received 0.00
Interest paid 9,02,696.00
Interest received 14,20,164.00
Income taxes paid (refund) 59,146.00
Other inflows (outflows) of cash (4,23,531.00)
Net cash flows from (used in) operating activities (4,27,505.00)
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0.00
Cash flows used in obtaining control of subsidiaries or other businesses 0.00
Other cash receipts from sales of equity or debt instruments of other entities 0.00
Other cash payments to acquire equity or debt instruments of other entities 0.00
Other cash receipts from sales of interests in joint ventures 0.00
Other cash payments to acquire interests in joint ventures 0.00
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0.00
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0.00
Proceeds from sales of property, plant and equipment 0.00
Purchase of property, plant and equipment 2,977.00
Proceeds from sales of investment property 1,77,799.00
Purchase of investment property 2,030.00
Proceeds from sales of intangible assets 0.00
Purchase of intangible assets 0.00
Proceeds from sales of intangible assets under development 0.00
Purchase of intangible assets under development 0.00
Proceeds from sales of goodwill 0.00
Purchase of goodwill 0.00
Proceeds from biological assets other than bearer plants 0.00
Purchase of biological assets other than bearer plants 0.00
Proceeds from government grants 0.00
Proceeds from sales of other long-term assets 0.00
Purchase of other long-term assets 0.00
Cash advances and loans made to other parties 0.00
Cash receipts from repayment of advances and loans made to other parties 0.00
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0.00
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0.00
Dividends received 52.00
Interest received 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 0.00
Net cash flows from (used in) investing activities 1,72,844.00
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries 0.00
Payments from changes in ownership interests in subsidiaries 0.00
Proceeds from issuing shares 0.00
Proceeds from issuing other equity instruments 0.00
Payments to acquire or redeem entity's shares 0.00
Payments of other equity instruments 0.00
Proceeds from exercise of stock options 0.00
Proceeds from issuing debentures notes bonds etc 0.00
Proceeds from borrowings 79,48,203.00
Repayments of borrowings 80,32,353.00
Payments of lease liabilities 3,375.00
Dividends paid 55,023.00
Interest paid 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 3,03,533.00
Net cash flows from (used in) financing activities 1,60,985.00
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes (93,676.00)
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0.00
Net increase (decrease) in cash and cash equivalents (93,676.00)
Cash and cash equivalents cash flow statement at beginning of period 1,28,858.00
Cash and cash equivalents cash flow statement at end of period 35,182.00




Statement of Asset and Liabilities

Amount in (Lakhs)

Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-04-2025
Date of end of reporting period 30-09-2025
Whether results are audited or unaudited Unaudited
Nature of report standalone or consolidated Consolidated
Assets
1 Finanical Asset
Cash and cash equivalents 35,182.00
Bank Balance other than (a) above 70,895.00
Derivative financial instruments 0.00
Receivables
(I) Trade Receivables 397.00
(II) Other Receivables 0.00
Loans 3,06,68,035.00
Investments 5,18,038.00
Other Financial assets 3,77,317.00
Total Financial Assets 3,16,69,864.00
2 Non Financial Asset
Inventories 0.00
Current tax assets (Net) 55,497.00
Deferred tax Assets (Net) 1,22,969.00
Investment Property 2,913.00
Biological assets other than bearer plants 0.00
Property, Plant and Equipment 18,843.00
Capital work-in-progress 9.00
Intangible assets under development 591.00
Goodwill 21.00
Other Intangible assets 20,654.00
Other non-financial assets (to be specified) 24,190.00
Total Non Financial Assets 2,45,687.00
Total assets 3,19,15,551.00
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 11,008.00
Other equity 38,40,613.00
Total equity attributable to owners of parent 38,51,621.00
Non controlling interest 37800000
Total equity 38,51,999.00
2 Liabilities
2.1 Financial Liabilities
(a) Derivative financial instruments 0.00
(b) Payables
(I)Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises 27.00
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 6,601.00
II) Other Payables
(i) total outstanding dues of micro enterprises and small enterprises 0.00
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 0.00
(C ) Debt Securities 1,52,47,966.00
(d) Borrowings (Other than Debt Securities) 1,07,18,680.00
(e) Deposits 11,20,219.00
(f) Subordinated Liabilities 1,79,706.00
(g) Other financial liabilities 7,30,493.00
Total Financial Liabilities 2,80,03,692.00
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 0.00
(b) Provisions 33,468.00
(C ) Deferred tax liabilities (Net) 0.00
(d) Other non-financial liabilities 26,392.00
Total Non Financial Liabilities 59,860.00
Total liabilities 2,80,63,552.00
Total equity and liabilites 3,19,15,551.00
Disclosure of notes on assets and liabilities


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
Whether results 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 LOANS 7,16,974.00 14,40,288.00
2 OTHER SEGMENTS 3,367.00 5,907.00
Total Segment Revenue 7,20,341.00 14,46,195.00
Less: Inter segment revenue 2,364.00 3,202.00
Revenue from operations 7,17,977.00 14,42,993.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 LOANS 1,70,471.00 3,40,387.00
2 OTHER SEGMENTS 969.00 1,395.00
Total Profit before tax 1,71,440.00 3,41,782.00
i. Finance cost 1,140.00 1,022.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 1,70,300.00 3,40,760.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 LOANS 3,19,05,866.00 3,19,05,866.00
2 OTHER SEGMENTS 30,211.00 30,211.00
Total Segment Asset 3,19,36,077.00 3,19,36,077.00
Un-allocable Assets 20,526.00 20,526.00
Net Segment Asset 3,19,56,603.00 3,19,56,603.00
4 Segment Liabilities
Segment Liabilities
1 LOANS 2,80,63,614.00 2,80,63,614.00
2 OTHER SEGMENTS 9,624.00 9,624.00
Total Segment Liabilities 2,80,73,238.00 2,80,73,238.00
Un-allocable Liabilities 9,685.00 9,685.00
Net Segment Liabilities 2,80,82,923.00 2,80,82,923.00
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 September 30, 2025.


Other Comprehensive Income

Amount in (Lakhs)

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 01-07-2025 01-04-2025
B Date of end of reporting period 30-09-2025 30-09-2025
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 27200000 18000000
Total Amount of items that will not be reclassified to profit and loss 27200000 18000000
2 Income tax relating to items that will not be reclassified to profit or loss 69.00 46.00
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 0.00 0.00
5 Total Other comprehensive income 203.00 134.00




Details of Impact of Audit Qualification

Amount in (Lakhs)

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 SHAH GUPTA & CO Yes 31-12-2027
2 M/S BATLIBOI AND PUROHIT Yes 30-04-2028