| 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 | 01-04-2026 |
| Date of end of financial year | 31-03-2027 |
| Date of board meeting when results were approved | 30-07-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 20-07-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| 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 | 30-07-2026 14:30:00 |
| End date and time of board meeting | 30-07-2026 20:10:00 |
| 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | 7,03,356.00 | 7,03,356.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 1,677.00 | 1,677.00 |
| (v) | Net gain on fair value changes | 1,647.00 | 1,647.00 |
| (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 | 1,579.00 | 1,579.00 |
| Total other revenue from operations | 1,579.00 | 1,579.00 | |
| Total Revenue From Operations | 7,08,259.00 | 7,08,259.00 | |
| Other income | 299.00 | 299.00 | |
| Total income | 7,08,558.00 | 7,08,558.00 | |
| 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 | 20,011.00 | 20,011.00 | |
| Finance costs | 4,94,635.00 | 4,94,635.00 | |
| Depreciation, depletion and amortisation expense | 3,015.00 | 3,015.00 | |
| Fees and commission expense | 2,177.00 | 2,177.00 | |
| Net loss on fair value changes | 0.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 5,317.00 | 5,317.00 | |
| Impairment on financial instruments | (16,423.00) | (16,423.00) | |
| (f) | Other expenses | ||
| 1 | OTHERS | 9,922.00 | 9,922.00 |
| Total other expenses | 9,922.00 | 9,922.00 | |
| Total expenses | 5,18,654.00 | 5,18,654.00 | |
| 3 | Total profit before exceptional items and tax | 1,89,904.00 | 1,89,904.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,89,904.00 | 1,89,904.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 35,324.00 | 35,324.00 |
| 9 | Deferred tax | 4,891.00 | 4,891.00 |
| 10 | Total tax expenses | 40,215.00 | 40,215.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,49,689.00 | 1,49,689.00 |
| 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 | 214.00 | 214.00 |
| 15 | Total profit (loss) for period | 1,49,903.00 | 1,49,903.00 |
| 16 | Other comprehensive income net of taxes | (650.00) | (650.00) |
| 17 | Total Comprehensive Income for the period | 1,49,253.00 | 1,49,253.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 1,49,885.00 | 1,49,885.00 | |
| Total profit or loss, attributable to non-controlling interests | 18.00 | 18.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 1,49,235.00 | 1,49,235.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 18.00 | 18.00 | |
| 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 | 27.25 | 27.25 | |
| Diluted earnings per share from continuing operations | 27.25 | 27.25 | |
| 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 | 27.25 | 27.25 | |
| Diluted earnings per share | 27.25 | 27.25 | |
| 23 | Debt equity ratio | 6.5700 | 6.5700 |
| 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 | NOT APPLICABLE |
| 25 | Interest service coverage ratio | NOT APPLICABLE |
| 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 results for the quarter ended June 30, 2026 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on July 30, 2026. The above results have been subjected to Limited Review by the Joint Statutory Auditors of the Company. The consolidated financial results of the Company have been prepared in accordance with Indian Accounting Standards (Ind AS) notified under the Companies (Indian Accounting Standards) Rules, 2015 as amended. Accordingly, these financial results together with the results for the comparative reporting period have been prepared in accordance with the recognition and measurement principles laid down in Ind AS 34 - Interim Financial Reporting, prescribed under section 133 of the Companies Act 2013 (the Act), and other recognized accounting practices generally accepted in India, in compliance with Regulation 33 and Regulation 52 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended along with circulars, guidlines and directions issued by the Reserve Bank of India from time to time. The Secured listed non-convertible debt securites of the Holding Company are secured by a negative lien on the assets of the Holding Company, 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 Holding Company is 1.23 times as at June 30, 2026. Disclosure of loans transferred / acquired during the quarter ended June 30, 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 and Reserve Bank of India (Non-Banking Financial Companies – Financial Statements: Presentation and Disclosures) Directions, 2025 - Reserve Bank of India (Non-Banking Financial Companies – Financial Statements: Presentation and Disclosures) Directions, 2025, DOR.ACC.REC.No.278/21.04.018/2025-26 are given below : Disclosure of loans transferred / acquired during the quarter ended June 30, 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 ended June 30, 2026. The details as under: (Rs. in Crore) Particulars To ARCs To permitted transferees To other transferees Number of accounts 2 - - Aggregate principal outstanding of loans transferred 180.32 - - Weighted average residual tenor of the loans transferred 92 - - Net Book value of loans transferred (at the time of transfer) 72.24 - - Aggregate consideration 140.00 - - Additional consideration realized in respect of accounts transferred in earlier years 140.00 - - Balance to be realized in respect of accounts - - - 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 Number of Accounts Total Outstanding (Rs. in Crore) 1. Projects under implementation accounts at the beginning of the quarter. 86 1,939.95 2. Projects under implementation accounts sanctioned during the quarter. 12 228.95 3. Projects under implementation accounts where DCCO has been achieved during the quarter 3 76.62 3A. Movement of No of Loans & Total Outstanding balances appearing at the beginning of the quarter (11) 47.25 4. Projects under implementation accounts at the end of the quarter. (1+2-3+3A) 84 2139.53 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. - - * Movement of No of loans includes, loans which are sanctioned in previous period but disbursement was not availed, loans which are closed during the quarter etc. ** Movement in Total Outstanding includes movement of additional disbursement made & repayments received during the quarter in respect of projects under implementation given at the beginning of ther quarter. # Total Outstanding represents the total principal outstanding of loans and advances. The figures for the quarter ended March 31, 2026 are the balancing figures between audited figures in respect of the full financial year for 2025-26 and published unaudited year to date figures upto the third quarter ended of relevant financial year. The figures for the previous periods / year have been regrouped/reclassifed wherever required to confirm to current period's / year's classification. |
|---|
| 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | 7,06,553.00 | 7,06,553.00 |
| 2 | OTHERS | 3,363.00 | 3,363.00 |
| Total Segment Revenue | 7,09,916.00 | 7,09,916.00 | |
| Less: Inter segment revenue | 1,358.00 | 1,358.00 | |
| Revenue from operations | 7,08,558.00 | 7,08,558.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | LOANS | 1,88,843.00 | 1,88,843.00 |
| 2 | OTHERS | 1,178.00 | 1,178.00 |
| Total Profit before tax | 1,90,021.00 | 1,90,021.00 | |
| i. Finance cost | (97.00) | (97.00) | |
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |
| Profit before tax | 1,90,118.00 | 1,90,118.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | LOANS | 3,26,76,747.00 | 3,26,76,747.00 |
| 2 | OTHERS | 33,474.00 | 33,474.00 |
| Total Segment Asset | 3,27,10,221.00 | 3,27,10,221.00 | |
| Un-allocable Assets | (23,524.00) | (23,524.00) | |
| Net Segment Asset | 3,26,86,697.00 | 3,26,86,697.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | LOANS | 2,83,95,976.00 | 2,83,95,976.00 |
| 2 | OTHERS | 10,593.00 | 10,593.00 |
| Total Segment Liabilities | 2,84,06,569.00 | 2,84,06,569.00 | |
| Un-allocable Liabilities | (12,428.00) | (12,428.00) | |
| Net Segment Liabilities | 2,83,94,141.00 | 2,83,94,141.00 | |
| 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 June 30, 2026. |
|---|
| 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 | 01-04-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-06-2026 | 30-06-2026 |
| 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 | Remeasurement of defined employee benefit plans | -86600000 | -86600000 |
| Total Amount of items that will not be reclassified to profit and loss | -86600000 | -86600000 | |
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (216.00) | (216.00) |
| 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 | (650.00) | (650.00) |
| 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 | ||