LICHSGFIN2020-01-012020-03-31in-bse-fin:OneOtherRevenueFromOperations01Member LICHSGFIN2020-01-012020-03-31in-bse-fin:FourOtherRevenueFromOperations01Member LICHSGFIN2020-01-012020-03-31in-bse-fin:OneOperatingExpenses01Member LICHSGFIN2020-01-012020-03-31in-bse-fin:FourOperatingExpenses01Member LICHSGFIN2020-01-012020-03-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member LICHSGFIN2020-01-012020-03-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares LICHSGFIN 2019-04-01 2020-03-31 2020-06-10 INR Crores Yearly Single segment Housing Finance 2020-01-01 2020-03-31 Audited Standalone 48984700000.00 0.00 0.00 50400000.00 0.00 4500000.00 0.00 0.00 162100000.00 49201700000.00 -332300000.00 48869400000.00 0.00 0.00 0.00 876600000.00 37642300000.00 129400000.00 254300000.00 0.00 399800000.00 272500000.00 1027300000.00 40602200000.00 8267200000.00 0.00 8267200000.00 1910000000.00 2142900000.00 4052900000.00 4214300000.00 0.00 0.00 0.00 0.00 4214300000.00 -15000000.00 4199300000.00 0.00 0.00 1009300000.00 2 8.35 8.35 0.00 0.00 8.35 8.35 0.00 0.00 0.00 3) he financial results have been prepared in accordance with Ind AS, 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. n4) The Board has recommended a dividend of Rs. 8 per equity share of Rs. 2/- each (400%) subject to approval of the members of the Company at the forthcoming Annual General Meeting. n5) The main business of the Company is to provide loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business and accordingly there are no separate reportable segments, as per the Ind AS 108 - Operating Segments. n6) Novel Corona Virus (Covid -19) –A Pandemic as declared by WHO, has disrupted the Social & Economic Structure and continues to affect people and businesses world-wide, causing various Governments to impose restrictions. Government of India had imposed Nationwide Lockdown from March 25, 2020, which was subsequently eased with restricted and regulated relaxations to carry out Businesses. nIn accordance with the RBI guidelines relating to COVID-19 Regulatory Package dated March 27, 2020, April 17, 2020 and May 23, 2020, the Company has offered a moratorium on the payment of instalments falling due between March 1, 2020 and August 31, 2020 ('moratorium period') to eligible borrowers. Ageing of accounts under moratorium and moving into Stage 3 for ECL (based on days past due status as on March 31, 2020) has been determined with reference to their position as on February 29, 2020. nWhile calculating ECL that affects financial results, the Company has taken into account its historical experience of losses, updated to reflect current conditions of pandemic and moratorium as well as forecasts of future economic conditions. nAs regards future, there remains a high level of uncertainty about the duration and impact of the pandemic both on human life and businesses and the time required for life and business operations to normalise. In view of the aforesaid, it is not possible for the Company to assess at this juncture, the extent to which the COVID-19 pandemic will impact the results of Company’s business and financials in future, as the same will be dependent on future developments, which at present are extremely uncertain. n7) Effective April 1, 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. The ‘right-of-use’ asset and lease liability has been separately shown in Balance Sheet. Depreciation has been charged on ‘right-of-use’ assets during the period as against lease rental expenses in the previous year. Interest expense has been recognised on lease liabilities under finance costs. As permitted by the standard, comparatives for the previous period / year have not been restated. The effect of this adoption is not material on the profit for the quarter and year ended March 31, 2020. n8) Other Financial Liabilities of the Company include Temporary Book Overdraft of Rs. 682.54 Crore (Previous Year Rs. 6,909.46 Crore), which represents cheques issued towards disbursement to borrowers and cheques issued for payment of expenses, but not encashed as on March 31, 2020. n9) The Company has maintained 100% Asset Cover on its Secured Listed Non-Convertible Debentures as on March 31, 2020 based on negative lien. Single segment 2019-04-01 2020-03-31 Audited Standalone 196053500000.00 0.00 0.00 394200000.00 0.00 58600000.00 0.00 0.00 460600000.00 196966900000.00 -269300000.00 196697600000.00 0.00 0.00 0.00 2990900000.00 147838600000.00 480700000.00 605600000.00 0.00 474900000.00 9527300000.00 2089700000.00 164007700000.00 32689900000.00 0.00 32689900000.00 8289800000.00 381700000.00 8671500000.00 24018400000.00 0.00 0.00 0.00 0.00 24018400000.00 -68500000.00 23949900000.00 0.00 0.00 1009300000.00 2 47.59 47.59 0.00 0.00 47.59 47.59 0.11 0.00 0.01 Others 162100000.00 Others 460600000.00 Other 1027300000.00 Other 2089700000.00 804800000.00 0.00 0.00 2079879700000.00 54963700000.00 214100000.00 2155651800000.00 3540700000.00 1119200000.00 12404100000.00 229000000.00 0.00 345700000.00 0.00 0.00 1320822600000.00 451404330000.00 126089900000.00 15000000000.00 68543540000.00 1982435070000.00 1453330000.00 2236600000.00 3689930000.00 -15000000.00 -68500000.00