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 13-05-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 04-05-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited for the quarter ended Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 13-05-2026   14:30:00
End date and time of board meeting 13-05-2026   19:45:00
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 01-01-2026 01-04-2025
B Date of end of reporting period 31-03-2026 31-03-2026
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Income
Revenue from operations
(i) Interest Income 7,01,818.00 28,23,402.00
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 4,595.00 11,242.00
(v) Net gain on fair value changes 1,273.00 7,965.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 0.00 0.00
(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 13,506.00 41,102.00
Total other revenue from operations 13,506.00 41,102.00
Total Revenue From Operations 7,21,192.00 28,83,711.00
Other income 9.00 638.00
Total income 7,21,201.00 28,84,349.00
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 18,652.00 71,436.00
Finance costs 4,78,636.00 19,77,055.00
Depreciation, depletion and amortisation expense 3,094.00 12,172.00
Fees and commission expense 5,372.00 12,765.00
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 975.00 3,166.00
Impairment on financial instruments 7,412.00 55,403.00
(f) Other expenses
1 OTHERS 13,929.00 42,337.00
Total other expenses 13,929.00 42,337.00
Total expenses 5,28,070.00 21,74,334.00
3 Total profit before exceptional items and tax 1,93,131.00 7,10,015.00
4 Exceptional items 0.00 0.00
5 Total profit before tax 1,93,131.00 7,10,015.00
7 Tax expense
8 Current tax 31,588.00 1,26,838.00
9 Deferred tax 12,497.00 23,085.00
10 Total tax expenses 44,085.00 1,49,923.00
11 Net Profit Loss for the period from continuing operations 1,49,046.00 5,60,092.00
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 216.00 332.00
15 Total profit (loss) for period 1,49,262.00 5,60,424.00
16 Other comprehensive income net of taxes 2,044.00 2,354.00
17 Total Comprehensive Income for the period 1,51,306.00 5,62,778.00
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 1,49,254.00 5,60,367.00
Total profit or loss, attributable to non-controlling interests 9.00 57.00
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 1,51,298.00 5,62,721.00
Total comprehensive income for the period attributable to owners of parent non-controlling interests 9.00 57.00
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 41,31,885.00
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 27.13 101.87
Diluted earnings per share from continuing operations 27.13 101.87
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 27.13 101.87
Diluted earnings per share 27.13 101.87
23 Debt equity ratio 0.0 7.1800
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) The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . The above results for the Quarter and year ended March 31, 2026 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on May 13, 2026. The above results have been Audited by the Joint Statutory Auditors of the Company. The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standards, prescribed under Section 133 of the Companies Act, 2013 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. The Board of Directors has recommended a dividend of rs. XXX per equity share of Rs. 2/- each ( XXX %) ((Previous year Rs. 10 per equity share (500%)) subject to approval of the members of the Company at the forthcoming Annual General Meeting. 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 March 31, 2026. Disclosure 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, read with Reserve Bank of India (Non-Banking Financial Companies - Resolution of Stressed Assets) Directions 2025 dated November 28, 2025 as at March 31, 2026 are given below: Type of borrower Personal Loans Corporate persons Of which, MSMEs Others Total Disclosure of loans transferred / acquired during the quarter and year ended March 31, 2026 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 are given below : (i) The Company has not acquired, any stressed loan. (ii) The Company has transferred a stressed loan classified as NPA during the quarter and year ended March 31, 2026. The details as under: Details of stressed loans transferred during the quarter classified as NPA Particulars Number of accounts Aggregate principal outstanding of loans transferred Weighted average residual tenor of the loans transferred Net Book value of loans transferred (at the time of transfer) Aggregate consideration Additional consideration realized in respect of accounts transferred in earlier years Disclosure related to project finance for the quarter and year ended March 31, 2026 pursuant to Reserve Bank of India (Non-Banking Financial Companies – Financial Statements: Presentation and Disclosures) Directions, 2025 vide RBI/DOR/2025-26/359 -DOR.ACC.REC.No.278/21.04.018/2025-26 dt 28th November 2025 & also as per Reserve Bank of India (Non-Banking Financial Companies – Resolution of Stressed Assets) Directions, 2025 vide RBI/DOR/2025-26/357 DOR.STR.REC.276/21.04.048/2025-26 November 28, 2025 is given below. Item Description 1. Projects under implementation accounts at the beginning of the quarter. 2. Projects under implementation accounts sanctioned during the quarter. 3. Projects under implementation accounts where DCCO has been achieved during the quarter 4. Projects under implementation accounts at the end of the quarter. (1+2-3) 5 Out of '4' – accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked. 5.1 Out of '5' – accounts in respect of which Resolution plan has been implemented. 5.2 Out of '5' – accounts in respect of which Resolution plan is under implementation. 5.3 Out of '5' – accounts in respect of which Resolution plan has failed. 6 Out of '5', accounts in respect of which resolution process involving extension in original / extended DCCO, as the case may be, has been invoked due to change in scope and size of the project. 7 Out of '5', account in respect of which cost overrun associated with extension in original / extended DCCO, as the case may be, was funded. 7.1 Out of '7', accounts where SBCF was sanctioned during financial closure and renewed continuously. 7.2 Out of '7', accounts where SBCF was not pre-sanctioned or renewed continuously 8 Out of '4' – accounts in respect of which resolution process not involving extension in original /extended DCCO, as the case may be, has been invoked. 8.1 Out of '8' – accounts in respect of which Resolution plan has been implemented. 8.2 Out of '8' – accounts in respect of which Resolution plan is under implementation. 8.3 Out of '8' – accounts in respect of which Resolution plan has failed. During the year, the Company's shareholding in LIC Mutual Fund Asset Management Ltd reduced from 33.52% to 30.33% consequent to issuance of additional shares by the associate to other investor. The figures for the quarter ended March 31, 2026 and March 31, 2025 are the balancing figures between audited figures in respect of the full financial year for 2025-26 and 2024-25 and published unaudited year to date figures upto the third quarter ended December 31, 2025 and December 31, 2024, respectively. 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 31-03-2026
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 7,10,015.00
Adjustments for reconcile profit (loss)
Adjustments for finance costs 19,77,055.00
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 0.00
Adjustments for decrease (increase) in other non-current assets 0.00
Adjustments for other financial assets, non-current (48,647.00)
Adjustments for other financial assets, current (1,568.00)
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 0.00
Adjustments for increase (decrease) in other non-current liabilities 11,150.00
Adjustments for depreciation and amortisation expense 12,172.00
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 55,403.00
Adjustments for provisions, current 0.00
Adjustments for provisions, non-current 0.00
Adjustments for other financial liabilities, current (19,447.00)
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 28,23,402.00
Adjustments for share-based payments 0.00
Adjustments for fair value losses (gains) 0.00
Adjustments for undistributed profits of associates 0.00
Other adjustments for which cash effects are investing or financing cash flow 0.00
Other adjustments to reconcile profit (loss) 332.00
Other adjustments for non-cash items 533.00
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0.00
Total adjustments for reconcile profit (loss) (8,36,471.00)
Net cash flows from (used in) operations (1,26,456.00)
Dividends received 0.00
Interest paid 20,33,799.00
Interest received 28,27,807.00
Income taxes paid (refund) 1,29,412.00
Other inflows (outflows) of cash (13,88,523.00)
Net cash flows from (used in) operating activities (8,50,383.00)
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 1.00
Purchase of property, plant and equipment 5,203.00
Proceeds from sales of investment property 1,87,761.00
Purchase of investment property 7,407.00
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 1,75,204.00
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 1,61,80,321.00
Repayments of borrowings 1,58,12,478.00
Payments of lease liabilities 7,136.00
Dividends paid 55,006.00
Interest paid 0.00
Income taxes paid (refund) 0.00
Other inflows (outflows) of cash 3,13,478.00
Net cash flows from (used in) financing activities 6,19,179.00
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes (56,000.00)
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 (56,000.00)
Cash and cash equivalents cash flow statement at beginning of period 1,26,956.00
Cash and cash equivalents cash flow statement at end of period 70,956.00




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 31-03-2026
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
Assets
1 Finanical Asset
Cash and cash equivalents 70,956.00
Bank Balance other than (a) above 63,884.00
Derivative financial instruments 0.00
Receivables
(I) Trade Receivables 771.00
(II) Other Receivables 0.00
Loans 3,16,06,580.00
Investments 5,13,213.00
Other Financial assets
1 Other Financial assets 34,300.00
Total of Other Financial assets 34,300.00
Total Financial Assets 3,22,89,704.00
2 Non Financial Asset
Inventories 0.00
Current tax assets (Net) 63,815.00
Deferred tax Assets (Net) 1,06,099.00
Investment Property 2,912.00
Biological assets other than bearer plants 0.00
Property, Plant and Equipment 18,357.00
Capital work-in-progress 0.00
Intangible assets under development 0.00
Goodwill 21.00
Other Intangible assets 20,352.00
Other non-financial assets
1 Other Non-Financial Assets 20,036.00
Total of Other non-financial assets 20,036.00
Total Non Financial Assets 2,31,592.00
Total assets 3,25,21,296.00
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 11,008.00
Other equity 41,31,885.00
Total equity attributable to owners of parent 41,42,893.00
Non controlling interest 41100000
Total equity 41,43,304.00
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 59.00
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 9,411.00
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 1,36,01,478.00
(d) Borrowings (Other than Debt Securities) 1,28,22,102.00
(e) Deposits 11,32,275.00
(f) Subordinated Liabilities 1,79,727.00
Other financial liabilities
1 Other Financial Liabilities 5,53,978.00
2 Lease liabilities 18,313.00
Total of Other financial liabilities 5,72,291.00
Total Financial Liabilities 2,83,17,343.00
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 0.00
(b) Provisions 26,838.00
(C ) Deferred tax liabilities (Net) 0.00
Other non-financial liabilities
1 Other Non-Financial Liabilities 33,811.00
Total of Other non-financial liabilities 33,811.00
Total Non Financial Liabilities 60,649.00
Total liabilities 2,83,77,992.00
Total equity and liabilites 3,25,21,296.00
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 01-01-2026 01-04-2025
B Date of end of reporting period 31-03-2026 31-03-2026
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Loans 7,19,452.00 28,77,166.00
2 Other Segments 4,259.00 14,057.00
Total Segment Revenue 7,23,711.00 28,91,223.00
Less: Inter segment revenue 2,510.00 6,874.00
Revenue from operations 7,21,201.00 28,84,349.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Loans 1,93,424.00 7,08,062.00
2 Other Segments 461.00 3,600.00
Total Profit before tax 1,93,885.00 7,11,662.00
i. Finance cost 538.00 1,315.00
ii. Other Unallocable Expenditure net off Unallocable income 0.00 0.00
Profit before tax 1,93,347.00 7,10,347.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Loans 3,25,10,573.00 3,25,10,573.00
2 Other Segments 32,956.00 32,956.00
Total Segment Asset 3,25,43,529.00 3,25,43,529.00
Un-allocable Assets (22,234.00) (22,234.00)
Net Segment Asset 3,25,21,295.00 3,25,21,295.00
4 Segment Liabilities
Segment Liabilities
1 Loans 2,83,78,019.00 2,83,78,019.00
2 Other Segments 11,016.00 11,016.00
Total Segment Liabilities 2,83,89,035.00 2,83,89,035.00
Un-allocable Liabilities (11,044.00) (11,044.00)
Net Segment Liabilities 2,83,77,991.00 2,83,77,991.00
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 year ended March 31, 2026.


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 01-01-2026 01-04-2025
B Date of end of reporting period 31-03-2026 31-03-2026
C Whether results are audited or unaudited Audited Audited
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 Remeasurement of defined employee benefit plans 271000000 312400000
Total Amount of items that will not be reclassified to profit and loss 271000000 312400000
2 Income tax relating to items that will not be reclassified to profit or loss 666.00 770.00
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 2,044.00 2,354.00




Details of Impact of Audit Qualification

Amount in (Lakhs)

Whether results are audited or unaudited Audited
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