5002532025-07-012025-09-305002532025-09-305002532025-03-315002532025-04-012025-09-305002532025-07-012025-09-30in-capmkt:OtherRevenueFromOperations1Member5002532025-04-012025-09-30in-capmkt:OtherRevenueFromOperations1Member5002532025-07-012025-09-30in-capmkt:OtherExpenses1Member5002532025-04-012025-09-30in-capmkt:OtherExpenses1Member5002532025-07-012025-09-30in-capmkt:ReportableSegments1Member5002532025-07-012025-09-30in-capmkt:ReportableSegments2Member5002532025-04-012025-09-30in-capmkt:ReportableSegments1Member5002532025-04-012025-09-30in-capmkt:ReportableSegments2Member5002532025-07-012025-09-30in-capmkt:ReportableSegments1Member5002532025-07-012025-09-30in-capmkt:ReportableSegments2Member5002532025-04-012025-09-30in-capmkt:ReportableSegments1Member5002532025-04-012025-09-30in-capmkt:ReportableSegments2Member5002532025-07-012025-09-30in-capmkt:ReportableSegments1Member5002532025-09-30in-capmkt:ReportableSegments1Member5002532025-07-012025-09-30in-capmkt:ReportableSegments2Member5002532025-09-30in-capmkt:ReportableSegments2Member5002532025-07-012025-09-30in-capmkt:ReportableSegments1Member5002532025-09-30in-capmkt:ReportableSegments1Member5002532025-07-012025-09-30in-capmkt:ReportableSegments2Member5002532025-09-30in-capmkt:ReportableSegments2Member5002532025-07-012025-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15002532025-04-012025-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15002532025-07-012025-09-30AuditorDomain15002532025-07-012025-09-30AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares500253LICHSGFINNOTLISTEDINE115A01026LIC Housing Finance LimitedMain BoardEquity2025-04-012026-03-312025-10-292025-10-17INRCroresQuarterlySecond quarterMulti segment2025-10-2914:30:002025-10-2918:55:00trueCash Flow IndirectDeclaration of unmodified opinion2025-07-012025-09-30UnauditedConsolidated7041910000000232100000111900000625000000096690000071792500000520000071797700000000160720000049940800000323300000292300000001681600000922700000547679000001702980000001702980000031916000003447000003536300000134935000000002000001349370000020300000135140000001349250000012000001351280000012000001100800000224.5324.530024.5324.530.076001. The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> Type of borrower Exposure to Accounts classified as Standard consequent to implementation of resolution plan - Position as at March 31, 2025 <BR> (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. <BR> Personal Loans 1,546.52 127.96 1.87 127.74 1,288.95 <BR> Corporate persons 286.06 38.24 - 15.20 232.62 <BR> Of which, MSMEs - - - - <BR> Others - - - - <BR> Total 1,832.58 166.20 1.87 142.94 1,521.57 <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 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. <BR> <BR> 8. The figures for the previous periods / year have been regrouped wherever necessary in order to make them comparable. <BR> 2025-04-012025-09-30UnauditedConsolidated141635900000003995000003588000009070000000180920000014429410000052000001442993000000003363200000100400900000572300000439800000003610300000183980000011022630000034073000000034073000000624930000069300000069423000002713070000000030000002713370000013400000271471000002713140000023000002714480000023000001100800000249.3349.330049.3349.330.07600OTHERS966900000OTHERS1809200000OTHERS922700000OTHERS183980000035182000007089500000039700000030668035000005180380000037731700000316698640000005549700000122969000002913000000188430000090000059100000210000020654000002419000000245687000003191555100000110080000038406130000038516210000037800000385199900000027000006601000000015247966000001071868000000112021900000179706000007304930000028003692000000334680000002639200000598600000028063552000003191555100000LOANS71697400000OTHER SEGMENTS336700000LOANS144028800000OTHER SEGMENTS5907000007203410000014461950000023640000032020000071797700000144299300000LOANS17047100000OTHER SEGMENTS96900000LOANS34038700000OTHER SEGMENTS1395000001714400000034178200000114000000102200000001703000000034076000000LOANS3190586600000OTHER SEGMENTS3021100000319360770000020526000003195660300000LOANS2806361400000OTHER SEGMENTS96240000028073238000009685000002808292300000(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. <BR> (ii) Transfer prices between operating segments are on an arm’s length basis in a manner similar to transactions with third parties. <BR> (iii) Loans segment comprises of providing finance for purchase, construction, repairs, renovation of house/buildings. <BR> (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. <BR> (v) The Company does not have any material operations outside India and hence, disclosure of geographic segments is not given. <BR> (vi) No single customer represents 10% or more of the Company’s total revenue for the period ended September 30, 2025. <BR> Items that will not be reclassified to profit or loss2720000027200000Items that will not be reclassified to profit or loss180000001800000069000004600000002030000013400000100400900000000-179500000-3994870000000000-2341400000457700000572300000361030000000000520000014163590000000-300000000-12361000000-80302600000-462296000000902696000001420164000005914600000-42353100000-4275050000000000000029770000017779900000203000000000000000000000520000000017284400000000000007948203000008032353000003375000005502300000003035330000016098500000-93676000000-9367600000128858000003518200000UnauditedtrueSHAH GUPTA & COtrue2027-12-31M/S BATLIBOI AND PUROHITtrue2028-04-30