LICHSGFIN2019-10-012019-12-31in-bse-fin:OneOtherRevenueFromOperations01Member LICHSGFIN2019-10-012019-12-31in-bse-fin:FourOtherRevenueFromOperations01Member LICHSGFIN2019-10-012019-12-31in-bse-fin:OneOperatingExpenses01Member LICHSGFIN2019-10-012019-12-31in-bse-fin:FourOperatingExpenses01Member LICHSGFIN2019-10-012019-12-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member LICHSGFIN2019-10-012019-12-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares LICHSGFIN 2019-04-01 2020-03-31 2020-01-20 INR Crores Third quarter Single segment Housing Finance 2019-10-01 2019-12-31 Unaudited Consolidated 49710050000.00 0.00 0.00 235630000.00 5710000.00 20020000.00 610000.00 0.00 81630000.00 50053650000.00 7590000.00 50061240000.00 6340000.00 0.00 0.00 811440000.00 37138010000.00 130360000.00 152570000.00 0.00 70660000.00 3906820000.00 331400000.00 42547600000.00 7513640000.00 0.00 7513640000.00 2166090000.00 -674960000.00 1491130000.00 6022510000.00 0.00 0.00 0.00 1200000.00 6023710000.00 -19740000.00 6003970000.00 6020990000.00 1520000.00 6002450000.00 1520000.00 1009330000.00 2 11.93 11.93 0.00 0.00 11.93 11.93 0.00 0.00 0.00 3. The above financial results represent the Consolidated financial results for LIC Housing Finance and its subsidiaries constituting the 'Group' . n4. The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34 - Interim Financial Reporting, 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. n5. The above results for the quarter ended December 31, 2019 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their respective meetings held on January 30,2020 in terms of Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. n6. The Statutory Auditors of the Company have carried out a Limited Review of the consolidated financial results for the quarter ended December 31, 2019 in compliance with Regulation 33 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, as amended. n7. Effective April 01, 2019, the Company has adopted IND AS 116 - Leases, which requires any lease arrangement to be recognised in the balance sheet of the lessee as a 'right-of-use' asset with a corresponding lease liability. Accordingly depreciation has been charged on such assets during the period as against lease rental expenses in the previous year. Similarly interest expense has been recognised on lease liabilities under finance costs. As permitted by the standard, the Company has applied this standard w.e.f. April 01, 2019 and comparatives for the previous period / year have not been restated. The underlying estimate are also being improved upon and the effect of this adoption is insignificant on the profit for the period. n8. The main business of the Group is to provide loans for purchase or construction of residential houses. All other activities of the Group revolve around the main business and accordingly there are no separate reportable segments, as per Ind AS 108 - Operating Segments. n9. The Company had applied Ind AS 109 with respect to Expected Credit Losses (ECL) for the first time for the year ended 31st March 2019. During the current period, provisions for ECL on the loan portfolio have been made by maintaining the same set of underlying assumptions as at last quarter. n10. During January 2020, the Company has received the inspection report from NHB for the year 2018-2019, which is under examination. n11. Tax expenses for the quarter and nine months ended 31st December 2019 reflect changes made vide Taxation Laws (Amendment) Ordinance 2019 as applicable to the Parent. n12. Figures for the previous period have been regrouped wherever necessary, in order to make them comparable. Single segment 2019-04-01 2019-12-31 Unaudited Consolidated 147134120000.00 0.00 0.00 500750000.00 12510000.00 54140000.00 2570000.00 0.00 304950000.00 148009040000.00 23360000.00 148032400000.00 11290000.00 0.00 0.00 2330790000.00 110176590000.00 360000000.00 346300000.00 0.00 75060000.00 9254820000.00 985120000.00 123539970000.00 24492430000.00 0.00 24492430000.00 6432610000.00 -1733600000.00 4699010000.00 19793420000.00 0.00 0.00 0.00 1810000.00 19795230000.00 -54580000.00 19740650000.00 19790060000.00 3360000.00 19737290000.00 3360000.00 1009330000.00 2 39.22 39.22 0.00 0.00 39.22 39.22 0.00 0.00 0.00 Other Income 81630000.00 Other Income 304950000.00 Other expenses 331400000.00 Other expenses 985120000.00 0.00 0.00 0.00 0.00 -19740000.00 -54580000.00