5002532026-07-012026-09-305002532026-09-305002532026-03-315002532026-04-012026-09-305002532026-07-012026-09-30in-capmkt:OtherRevenueFromOperations1Member5002532026-04-012026-09-30in-capmkt:OtherRevenueFromOperations1Member5002532026-07-012026-09-30in-capmkt:OtherExpenses1Member5002532026-04-012026-09-30in-capmkt:OtherExpenses1Member5002532026-09-30OtherFinancialAssetsDomain15002532026-09-30OtherNonFinancialAssetsDomain15002532026-09-30OtherFinancialLiabilitiesDomain15002532026-09-30OtherNonFinancialLiabilitiesDomain15002532026-07-012026-09-30in-capmkt:ReportableSegments1Member5002532026-07-012026-09-30in-capmkt:ReportableSegments2Member5002532026-04-012026-09-30in-capmkt:ReportableSegments1Member5002532026-04-012026-09-30in-capmkt:ReportableSegments2Member5002532026-07-012026-09-30in-capmkt:ReportableSegments1Member5002532026-07-012026-09-30in-capmkt:ReportableSegments2Member5002532026-04-012026-09-30in-capmkt:ReportableSegments1Member5002532026-04-012026-09-30in-capmkt:ReportableSegments2Member5002532026-07-012026-09-30in-capmkt:ReportableSegments1Member5002532026-09-30in-capmkt:ReportableSegments1Member5002532026-07-012026-09-30in-capmkt:ReportableSegments2Member5002532026-09-30in-capmkt:ReportableSegments2Member5002532026-07-012026-09-30in-capmkt:ReportableSegments1Member5002532026-09-30in-capmkt:ReportableSegments1Member5002532026-07-012026-09-30in-capmkt:ReportableSegments2Member5002532026-09-30in-capmkt:ReportableSegments2Member5002532026-07-012026-09-30AuditorDomain15002532026-07-012026-09-30AuditorDomain2iso4217:INRxbrli:pureiso4217:INRxbrli:shares500253LICHSGFINNOTLISTEDINE115A01026LIC Housing Finance LimitedMain BoardEquity2026-04-012027-03-312026-10-302026-10-21INRCroresQuarterlySecond quarterMulti segment2026-10-3014:30:002026-10-3019:15:00trueCash Flow IndirectDeclaration of unmodified opinion2026-07-012026-09-30UnauditedConsolidated71215500000002254000000000501300000719422000002100000719443000000001556900000502276000002947000003866000001710000038800000-92570000011564000005275240000019191900000019191900000366740000046660000041340000001505790000000080000001506590000016700000150826000001506450000014000001508120000014000001100800000227.3927.390027.3927.390.0649The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . <br /> The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . <br /> 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. <br /> <br /> 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. <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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: <br /> <br /> (Rs. in Crore) <br /> Type of borrower Exposure to Accounts classified as Standard consequent to implementation of resolution plan - Position as at March 31, 2026 <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, 2026.* <br /> Personal Loans 1,342.73 31.12 - 175.10 1,196.07 <br /> Corporate persons 212.40 - 5.69 12.00 200.39 <br /> Of which, MSMEs <br /> Others <br /> Total 1,555.13 31.12 5.69 187.10 1,396.46 <br /> * The figures includes accounts cured <br /> <br /> <br /> 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). <br /> <br /> 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. <br /> <br /> 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. <br /> 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. <br /> 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. <br /> <br /> 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. <br /> <br /> Item Description Number of Accounts Total Outstanding <br /> (Rs. in Crore)# <br /> 1. Projects under implementation accounts at the beginning of the quarter. 85 2183.38 <br /> 2. Projects under implementation accounts sanctioned during the quarter. 17 45.88 <br /> 3. Projects under implementation accounts where DCCO has been achieved during the quarter 1 14.30 <br /> 3A. Movement of No of Loans & Total Outstanding balances appearing at the beginning of the quarter* (13) 38.60 <br /> 4. Projects under implementation accounts at the end of the quarter. (1+2-3+3A) 88 2,253.56 <br /> 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. - - <br /> 5.1 Out of '5' – accounts in respect of which Resolution plan has been implemented. - - <br /> 5.2 Out of '5' – accounts in respect of which Resolution plan is under implementation. - - <br /> 5.3 Out of '5' – accounts in respect of which Resolution plan has failed. - - <br /> 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. - - <br /> 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. - - <br /> 7.1 Out of '7', accounts where SBCF was sanctioned during financial closure and renewed continuously. - - <br /> 7.2 Out of '7', accounts where SBCF was not pre-sanctioned or renewed continuously - - <br /> 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. - - <br /> 8.1 Out of '8' – accounts in respect of which Resolution plan has been implemented. - - <br /> 8.2 Out of '8' – accounts in respect of which Resolution plan is under implementation. - - <br /> 8.3 Out of '8' – accounts in respect of which Resolution plan has failed. - - <br /> * 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. <br /> 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. <br /> # Total Outstanding represents the total principal outstanding of loans and advances. <br /> <br /> 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. <br /> <br /> <br /> The figures for the previous periods / year have been regrouped/reclassifed wherever required to confirm to current period's / year's classification. <br /> 2026-04-012026-09-30UnauditedConsolidated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ther Financial Assets13400700000Others2083000000Other Financial Liabilities6233300000Other Non-Financial Liabilities3103000000Loans71825300000Other Segments395600000Loans142467800000Other Segments7319000007222090000014319970000027660000041670000071944300000142783000000Loans19185500000Other Segments134800000Loans38069800000Other Segments2526000001932030000038322400000120400000110700000001919990000038211700000Loans3300736100000Other Segments33849000003304121000000-23582000003301762800000Loans2863054800000Other Segments10724000002864127200000-11997000002862927500000(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, 2026. <br /> -22400000642000005700000-1590000016700000-483000000000-5041300000-7940000000000-313000000-463400000596200000-2796100000000000418600000000422900000-29400000300000000-49504400000-113221000000891589000001417521000001689300000-55350600000-1576880000000000000076300000224140000000000000000000000000216510000000000000714703400000681509400000385700000550310000000-184003000008904900000-46988000000-469880000070956000002396800000UnauditedtrueSHAH GUPTA & COtrue2027-12-31M/S BATLIBOI AND PUROHITtrue2028-04-30