| 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 | 30-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 21-10-2026 |
| 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 | 30-10-2026 14:30:00 |
| End date and time of board meeting | 30-10-2026 19:15:00 |
| 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 |
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 7,12,155.00 | 14,15,511.00 |
| (ii) | Dividend Income | 0.00 | 0.00 |
| (iii) | Rental Income | 0.00 | 0.00 |
| (iv) | Fees and commission Income | 2,254.00 | 3,931.00 |
| (v) | Net gain on fair value changes | 0.00 | 1,476.00 |
| (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 | 5,013.00 | 6,592.00 |
| Total other revenue from operations | 5,013.00 | 6,592.00 | |
| Total Revenue From Operations | 7,19,422.00 | 14,27,510.00 | |
| Other income | 21.00 | 320.00 | |
| Total income | 7,19,443.00 | 14,27,830.00 | |
| 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 | 15,569.00 | 35,580.00 | |
| Finance costs | 5,02,276.00 | 9,96,911.00 | |
| Depreciation, depletion and amortisation expense | 2,947.00 | 5,962.00 | |
| Fees and commission expense | 3,866.00 | 6,043.00 | |
| Net loss on fair value changes | 171.00 | 0.00 | |
| Net loss on derecognition of financial instruments under amortised cost category | 388.00 | 5,705.00 | |
| Impairment on financial instruments | (9,257.00) | (25,680.00) | |
| (f) | Other expenses | ||
| 1 | OTHERS | 11,564.00 | 21,486.00 |
| Total other expenses | 11,564.00 | 21,486.00 | |
| Total expenses | 5,27,524.00 | 10,46,007.00 | |
| 3 | Total profit before exceptional items and tax | 1,91,919.00 | 3,81,823.00 |
| 4 | Exceptional items | 0.00 | 0.00 |
| 5 | Total profit before tax | 1,91,919.00 | 3,81,823.00 |
| 7 | Tax expense | ||
| 8 | Current tax | 36,674.00 | 71,997.00 |
| 9 | Deferred tax | 4,666.00 | 9,558.00 |
| 10 | Total tax expenses | 41,340.00 | 81,555.00 |
| 11 | Net Profit Loss for the period from continuing operations | 1,50,579.00 | 3,00,268.00 |
| 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 | 80.00 | 294.00 |
| 15 | Total profit (loss) for period | 1,50,659.00 | 3,00,562.00 |
| 16 | Other comprehensive income net of taxes | 167.00 | (483.00) |
| 17 | Total Comprehensive Income for the period | 1,50,826.00 | 3,00,079.00 |
| 18 | Total profit or loss, attributable to | ||
| Profit or loss, attributable to owners of parent | 1,50,645.00 | 3,00,530.00 | |
| Total profit or loss, attributable to non-controlling interests | 14.00 | 32.00 | |
| 19 | Total Comprehensive income for the period attributable to | ||
| Comprehensive income for the period attributable to owners of parent | 1,50,812.00 | 3,00,047.00 | |
| Total comprehensive income for the period attributable to owners of parent non-controlling interests | 14.00 | 32.00 | |
| 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 | 27.39 | 54.64 | |
| Diluted earnings per share from continuing operations | 27.39 | 54.64 | |
| 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 | 27.39 | 54.64 | |
| Diluted earnings per share | 27.39 | 54.64 | |
| 23 | Debt equity ratio | 6.4900 | 6.4900 |
| 24 | Debt service coverage ratio | ||
| 25 | Interest service coverage ratio | ||
| 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) | 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 financial results for the quarter and half year ended September 30, 2026 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on October 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) read with Rules issued thereunder, and other recognized accounting principles generally accepted in India, in accordance 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. These consolidated financial results have been prepared in the format prescribed under the notified schedule III of the Companies Act, 2013 for Non Banking Financial Companies issued by the Ministry of Corporate Affairs (''MCA''), as amended. The members at the Annual General Meeting held on August 28, 2026, approved the payment of final dividend of Rs. 10 per equity share aggregating to Rs. 550.06 crore for the year ended March 31, 2026, as recommended by Board of Directors of the Company at its meeting held on May 12, 2026. Accordingly, the dividend amount has been paid to the shareholders in September 2026. 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 1.24 times as at September 30, 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 September 30, 2026 are given below: (Rs. in Crore) Type of borrower Exposure to Accounts classified as Standard consequent to implementation of resolution plan - Position as at March 31, 2026 (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, 2026.* Personal Loans 1,342.73 31.12 - 175.10 1,196.07 Corporate persons 212.40 - 5.69 12.00 200.39 Of which, MSMEs Others Total 1,555.13 31.12 5.69 187.10 1,396.46 * The figures includes accounts cured There is no information required to be disclosed under disclosures on the details of co-lending arrangements as at September 30, 2026 as required by Reserve Bank of India (Non-Banking Financials Companies - Financial Statements: Presentation and Disclosures) Directions, 2025 Notification No. RBI/DOR/2025-26/359 Master Direction DOR.ACC.REC.No.278/21.04.018/2025-26 dated November 28, 2025 (as amended from time to time). The Holding Company has not transferred / acquired any stressed loans, loans not in default during the quarter ended September 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, DOR.ACC.REC.No.278/21.04.018/2025-26. During the quarter ended 30 September 2026, pursuant to a review and reassessment of the applicable regulatory classification requirements, the Company identified loans for evaluation of classification from housing finance to non-housing finance categorization. Of the identified portfolio, loans aggregating to approximatelyRs. 7,832 crore have been reclassified as non-housing finance. The assessment and consequential implementation in respect of the balance portfolio is in progress. This reclassification does not impact the Company's total loan assets. The consequential impact on expected credit loss, regulatory reporting and other related matters has been considered to the extent ascertained as at 30 September 2026 and any further adjustment will be recognised prospectively upon completion of the pending assessment. Disclosure related to project finance for the quarter ended September 30, 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. 85 2183.38 2. Projects under implementation accounts sanctioned during the quarter. 17 45.88 3. Projects under implementation accounts where DCCO has been achieved during the quarter 1 14.30 3A. Movement of No of Loans & Total Outstanding balances appearing at the beginning of the quarter* (13) 38.60 4. Projects under implementation accounts at the end of the quarter. (1+2-3+3A) 88 2,253.56 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 the quarter. # Total Outstanding represents the total principal outstanding of loans and advances. The figures for the quarter ended September 30, 2026 and September 30, 2025 are the balancing figures between the reviewed figures in respect of the half year ended September 30, 2026 and September 30, 2025 and the reviewed figures for the quarter ended June 30, 2026 and June 30, 2025 respectively. The figures for the previous periods / year have been regrouped/reclassifed wherever required to confirm to current period's / year's classification. |
|---|
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 |
| 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 | 3,81,823.00 | |
| Adjustments for reconcile profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| 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 | (50,413.00) | |
| Adjustments for decrease (increase) in other non-current assets | (794.00) | |
| 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 | (3,130.00) | |
| Adjustments for increase (decrease) in other non-current liabilities | (4,634.00) | |
| Adjustments for depreciation and amortisation expense | 5,962.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | (27,961.00) | |
| 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 | 0.00 | |
| Adjustments for interest income | 4,18,600.00 | |
| Adjustments for share-based payments | 0.00 | |
| Adjustments for fair value losses (gains) | 4,229.00 | |
| Adjustments for undistributed profits of associates | (294.00) | |
| Other adjustments for which cash effects are investing or financing cash flow | 3.00 | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments for reconcile profit (loss) | (4,95,044.00) | |
| Net cash flows from (used in) operations | (1,13,221.00) | |
| Dividends received | 0.00 | |
| Interest paid | 8,91,589.00 | |
| Interest received | 14,17,521.00 | |
| Income taxes paid (refund) | 16,893.00 | |
| Other inflows (outflows) of cash | (5,53,506.00) | |
| Net cash flows from (used in) operating activities | (1,57,688.00) | |
| 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 | 763.00 | |
| Proceeds from sales of investment property | 22,414.00 | |
| Purchase of investment property | 0.00 | |
| 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 | 0.00 | |
| 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 | 21,651.00 | |
| 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 | 71,47,034.00 | |
| Repayments of borrowings | 68,15,094.00 | |
| Payments of lease liabilities | 3,857.00 | |
| Dividends paid | 55,031.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | (1,84,003.00) | |
| Net cash flows from (used in) financing activities | 89,049.00 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (46,988.00) | |
| 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 | (46,988.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 70,956.00 | |
| Cash and cash equivalents cash flow statement at end of period | 23,968.00 | |
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2026 | ||
| Date of end of reporting period | 30-09-2026 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| Assets | |||
| 1 | Finanical Asset | ||
| Cash and cash equivalents | 23,968.00 | ||
| Bank Balance other than (a) above | 14,315.00 | ||
| Derivative financial instruments | 0.00 | ||
| Receivables | |||
| (I) Trade Receivables | 1,044.00 | ||
| (II) Other Receivables | 0.00 | ||
| Loans | 3,21,85,956.00 | ||
| Investments | 4,92,135.00 | ||
| Other Financial assets | |||
| 1 | Other Financial Assets | 1,34,007.00 | |
| Total of Other Financial assets | 1,34,007.00 | ||
| Total Financial Assets | 3,28,51,425.00 | ||
| 2 | Non Financial Asset | ||
| Inventories | 0.00 | ||
| Current tax assets (Net) | 8,710.00 | ||
| Deferred tax Assets (Net) | 96,700.00 | ||
| Investment Property | 2,910.00 | ||
| Biological assets other than bearer plants | 0.00 | ||
| Property, Plant and Equipment | 17,254.00 | ||
| Capital work-in-progress | 0.00 | ||
| Intangible assets under development | 0.00 | ||
| Goodwill | 21.00 | ||
| Other Intangible assets | 19,778.00 | ||
| Other non-financial assets | |||
| 1 | Others | 20,830.00 | |
| Total of Other non-financial assets | 20,830.00 | ||
| Total Non Financial Assets | 1,66,203.00 | ||
| Total assets | 3,30,17,628.00 | ||
| Equity and liabilities | |||
| 1 | Equity | ||
| Equity attributable to owners of parent | |||
| Equity share capital | 11,008.00 | ||
| Other equity | 43,76,927.00 | ||
| Total equity attributable to owners of parent | 43,87,935.00 | ||
| Non controlling interest | 41800000 | ||
| Total equity | 43,88,353.00 | ||
| 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 | 0.00 | ||
| (ii) total outstanding dues of creditors other than micro enterprises and small enterprises | 6,734.00 | ||
| 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 | 1,42,21,906.00 | |
| (d) | Borrowings (Other than Debt Securities) | 1,30,75,008.00 | |
| (e) | Deposits | 10,12,734.00 | |
| (f) | Subordinated Liabilities | 1,88,542.00 | |
| Other financial liabilities | |||
| 1 | Other Financial Liabilities | 62,333.00 | |
| Total of Other financial liabilities | 62,333.00 | ||
| Total Financial Liabilities | 2,85,67,257.00 | ||
| 2.2 | Non-Financial Liabilities | ||
| (a) | Current tax liabilities (Net) | 0.00 | |
| (b) | Provisions | 30,988.00 | |
| (C ) | Deferred tax liabilities (Net) | 0.00 | |
| Other non-financial liabilities | |||
| 1 | Other Non-Financial Liabilities | 31,030.00 | |
| Total of Other non-financial liabilities | 31,030.00 | ||
| Total Non Financial Liabilities | 62,018.00 | ||
| Total liabilities | 2,86,29,275.00 | ||
| Total equity and liabilites | 3,30,17,628.00 | ||
| Disclosure of notes on assets and liabilities | |||
| 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | 7,18,253.00 | 14,24,678.00 |
| 2 | Other Segments | 3,956.00 | 7,319.00 |
| Total Segment Revenue | 7,22,209.00 | 14,31,997.00 | |
| Less: Inter segment revenue | 2,766.00 | 4,167.00 | |
| Revenue from operations | 7,19,443.00 | 14,27,830.00 | |
| 2 | Segment Result | ||
| Profit (+) / Loss (-) before tax and interest from each segment | |||
| 1 | Loans | 1,91,855.00 | 3,80,698.00 |
| 2 | Other Segments | 1,348.00 | 2,526.00 |
| Total Profit before tax | 1,93,203.00 | 3,83,224.00 | |
| i. Finance cost | 1,204.00 | 1,107.00 | |
| ii. Other Unallocable Expenditure net off Unallocable income | 0.00 | 0.00 | |
| Profit before tax | 1,91,999.00 | 3,82,117.00 | |
| 3 | (Segment Asset - Segment Liabilities) | ||
| Segment Asset | |||
| 1 | Loans | 3,30,07,361.00 | 3,30,07,361.00 |
| 2 | Other Segments | 33,849.00 | 33,849.00 |
| Total Segment Asset | 3,30,41,210.00 | 3,30,41,210.00 | |
| Un-allocable Assets | (23,582.00) | (23,582.00) | |
| Net Segment Asset | 3,30,17,628.00 | 3,30,17,628.00 | |
| 4 | Segment Liabilities | ||
| Segment Liabilities | |||
| 1 | Loans | 2,86,30,548.00 | 2,86,30,548.00 |
| 2 | Other Segments | 10,724.00 | 10,724.00 |
| Total Segment Liabilities | 2,86,41,272.00 | 2,86,41,272.00 | |
| Un-allocable Liabilities | (11,997.00) | (11,997.00) | |
| Net Segment Liabilities | 2,86,29,275.00 | 2,86,29,275.00 | |
| 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 September 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 | 01-07-2026 | 01-04-2026 |
| B | Date of end of reporting period | 30-09-2026 | 30-09-2026 |
| 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 | ||
| Total Amount of items that will not be reclassified to profit and loss | |||
| 2 | Income tax relating to items that will not be reclassified to profit or loss | (224.00) | 642.00 |
| 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 | 57.00 | (159.00) |
| 5 | Total Other comprehensive income | 167.00 | (483.00) |
| 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 & CO | Yes | 31-12-2027 | ||
|---|---|---|---|---|---|
| 2 | M/S BATLIBOI AND PUROHIT | Yes | 30-04-2028 | ||