| 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 | 30-01-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 20-01-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Third 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 | 30-01-2026 14:30:00 |
| End date and time of board meeting | 30-01-2026 20:00:00 |
| 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 |
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| 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 | 7,05,225.00 | 21,21,584.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 2,652.00 | 6,647.00 |
| (v) | Net gain on fair value changes | 3,174.00 | 6,762.00 |
| (vi) | Net gain on derecognition of financial instruments under amortised cost category | 301.00 | 1,208.00 |
| (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 | OTHER INCOME | 9,540.00 | 27,632.00 |
| Total other revenue from operations | 9,540.00 | 27,632.00 | |
| Total Revenue From Operations | 7,20,892.00 | 21,63,833.00 | |
| Other income | 536.00 | 588.00 | |
| Total income | 7,21,428.00 | 21,64,421.00 | |
| 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 | 19,160.00 | 52,792.00 | |
| Finance costs | 4,94,087.00 | 14,98,096.00 | |
| Depreciation, depletion and amortisation expense | 3,355.00 | 9,078.00 | |
| Fees and commission expense | 2,348.00 | 6,746.00 | |
| 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 | 15,357.00 | 51,460.00 | |
| (f) | Other expenses | ||
| 1 | Other expenses | 10,966.00 | 29,364.00 |
| Total other expenses | 10,966.00 | 29,364.00 | |
| Total expenses | 5,45,273.00 | 16,47,536.00 | |
| 3 | Total profit before exceptional items and tax | 1,76,155.00 | 5,16,885.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,76,155.00 | 5,16,885.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 32,757.00 | 95,251.00 |
| 9 | Deferred tax | 3,658.00 | 10,588.00 |
| 10 | Total tax expenses | 36,415.00 | 1,05,839.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,39,740.00 | 4,11,046.00 |
| 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 | 87.00 | 117.00 |
| 15 | Total profit (loss) for period | 1,39,827.00 | 4,11,163.00 |
| 16 | Other comprehensive income net of taxes | 175.00 | 309.00 |
| 17 | Total Comprehensive Income for the period | 1,40,002.00 | 4,11,472.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 1,39,802.00 | 4,11,115.00 | |
| Total profit or loss, attributable to non-controlling interests | 25.00 | 48.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 1,39,977.00 | 4,11,424.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 25.00 | 48.00 | |
| 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 | 25.42 | 74.74 | |
| Diluted earnings per share from continuing operations | 25.42 | 74.74 | |
| 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 | 25.42 | 74.74 | |
| Diluted earnings per share | 25.42 | 74.74 | |
| 23 | Debt equity ratio | 7.300 | 7.300 |
| 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) | |
| 23 | Debt equity ratio | |
|---|---|---|
| 24 | Debt service coverage ratio | |
| 25 | Interest service coverage ratio |
| 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 above results for the quarter and nine months ended December 31, 2025 have been reviewed by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on January 30, 2026. The above results have been subjected to Limited Review by the Joint Statutory Auditors of the Company. 3.The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard (Ind AS) 34, Interim Finacial Reporting, 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. 4.There are no loans transferred / acquired during the quarter / period ended December 31, 2025 under the Reserve Bank of India (Non-Banking Financial Companies - Transfer and Distribution of Credit Risk) Directions, 2025 - RBI/DOR/2025-26/352, DOR.STR.REC.271/21.04.048/2025-26 dated November 28, 2025. 5.On November 21, 2025, the Government of India notified the four Labour Codes - the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 - consolidating 29 existing labour laws. The Ministry of Labour & Employment published draft Central Rules and FAQs on December 30. 2025, to enable assessment of the financial impact due to changes in regulations. The Company has assessed and there is no incremental impact of these changes on the basis of opinion obtained and the best information available, consistent with the guidance provided by the Institute of Chartered Accountants of India. The Company continues to monitor the finalisation of Central / State Rules and clarifications from the Government on other aspects of the Labour Code and would consider appropriate accounting effect on the basis of such developments as needed. 6.During the period, the Company's shareholding in LIC Mutual Fund Asset Management Ltd reduced from 33.52% to 30.33% due to issuance of additional shares by the associate to other investor. The Company continues to exercise significant influence over the associate and accordingly the investment continues to be accounted for using the equity method. 7.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 1.19 times as at December 31, 2025. 8.The figures for the previous periods / year have been regrouped wherever necessary in order to make them comparable. |
|---|
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| 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 | Segment Revenue | 7,18,699.00 | 21,58,987.00 |
| 2 | OTHERS | 3,891.00 | 9,798.00 |
| Total Segment Revenue | 7,22,590.00 | 21,68,785.00 | |
| Less: Inter segment revenue | 1,162.00 | 4,364.00 | |
| Revenue from operations | 7,21,428.00 | 21,64,421.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Segment Revenue | 1,74,251.00 | 5,14,638.00 |
| 2 | OTHERS | 1,744.00 | 3,139.00 |
| Total Profit before tax | 1,75,995.00 | 5,17,777.00 | |
| i. Finance cost | (247.00) | 775.00 | |
| ii. Other Unallocable Expenditure net off Unallocable income | |||
| Profit before tax | 1,76,242.00 | 5,17,002.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Segment Revenue | 3,19,96,443.00 | 3,19,96,443.00 |
| 2 | OTHERS | 31,611.00 | 31,611.00 |
| Total Segment Asset | 3,20,28,054.00 | 3,20,28,054.00 | |
| Un-allocable Assets | 19,791.00 | 19,791.00 | |
| Net Segment Asset | 3,20,47,845.00 | 3,20,47,845.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Segment Revenue | 2,80,15,619.00 | 2,80,15,619.00 |
| 2 | OTHERS | 9,765.00 | 9,765.00 |
| Total Segment Liabilities | 2,80,25,384.00 | 2,80,25,384.00 | |
| Un-allocable Liabilities | 9,120.00 | 9,120.00 | |
| Net Segment Liabilities | 2,80,34,504.00 | 2,80,34,504.00 | |
| Disclosure of notes on segments | Textual Information(1) | ||
| 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 December 31, 2025. |
|---|
| 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 | 01-10-2025 | 01-04-2025 |
| B | Date of end of reporting period | 31-12-2025 | 31-12-2025 |
| 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 | 23400000 | 41400000 |
| Total Amount of items that will not be reclassified to profit and loss | 23400000 | 41400000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | 59.00 | 105.00 |
| 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 | 175.00 | 309.00 |
| 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 AND CO | Yes | 31-12-2027 | ||
|---|---|---|---|---|---|
| 2 | M/S BATLIBOI AND PUROHIT | Yes | 30-04-2028 | ||