LICHSGFIN2020-07-012020-09-30in-bse-fin:OneOtherRevenueFromOperations01Member LICHSGFIN2020-07-012020-09-30in-bse-fin:FourOtherRevenueFromOperations01Member LICHSGFIN2020-07-012020-09-30in-bse-fin:OneOperatingExpenses01Member LICHSGFIN2020-07-012020-09-30in-bse-fin:FourOperatingExpenses01Member LICHSGFIN2020-07-012020-09-30in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member LICHSGFIN2020-07-012020-09-30in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares LICHSGFIN 2020-04-01 2021-03-31 2020-11-03 INR Crores Half yearly true Cash Flow Indirect Single segment Housing Finance 2020-07-01 2020-09-30 Unaudited Consolidated 49412500000.00 0.00 0.00 183700000.00 1900000.00 25600000.00 0.00 0.00 149700000.00 49773400000.00 103000000.00 49876400000.00 1200000.00 0.00 0.00 858600000.00 36998600000.00 131300000.00 110600000.00 0.00 78800000.00 1030200000.00 559100000.00 39768400000.00 10108000000.00 0.00 10108000000.00 2815000000.00 -603700000.00 2211300000.00 7896700000.00 0.00 0.00 0.00 40000000.00 7936700000.00 4100000.00 7940800000.00 7895500000.00 1200000.00 7938400000.00 1200000.00 1009300000.00 2 15.65 15.65 0.00 0.00 15.65 15.65 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 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. n5) 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 to eligible borrowers. nWhile calculating ECL that affects financial results, the Company has taken into account its historic experience of losses, updated to reflect current conditions of pandemic and moratorium as well as forecasts of future economic conditions. n6) The Honourable Supreme Court of India (Hon’ble SC), in a public interest litigation (Gajendra Sharma Vs. Union of India & Anr), vide an interim order dated September 03, 2020 (“Interim Order”), has directed that accounts which were not declared NPA till August 31, 2020 shall not be declared as NPA till further orders. Basis the said interim order, the Company has not classified any account which was not NPA as of August 31, 2020 as per the NHB norms, as NPA after August 31, 2020. Further, in light of the Interim Order, even accounts that would have otherwise been classified as NPA post August 31, 2020 have not been, classified as NPA till such time that the Hon’ble SC rules finally on the matter. n7) 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. n8) Other Financial Liabilities of the Company include Temporary Book Overdraft of Rs. 974.37 Crore (Previous Year Rs. 3,291.86 Crore), which represents cheques issued towards disbursement to borrowers and cheques issued for payment of expenses, but not encashed as on September 30, 2020. n9) The Company has maintained 100% Asset Cover on its Secured Listed Non-Convertible Debentures as on September 30, 2020 based on negative lien. n10) In compliance with Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 the above results for the quarter and half year ended September 30, 2020 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on November 11, 2020. The above results have been subjected to a Limited Review by the Statutory Auditors of the Company. n11) The figures for the previous periods have been regrouped / reclassified / restated wherever necessary, in order to make them comparable. Single segment 2020-04-01 2020-09-30 Unaudited Consolidated 99296200000.00 0.00 0.00 281000000.00 5100000.00 27600000.00 0.00 0.00 278500000.00 99888400000.00 -151900000.00 99736500000.00 2100000.00 0.00 0.00 1708600000.00 74637700000.00 262000000.00 222200000.00 0.00 100800000.00 1594700000.00 882700000.00 79410800000.00 20325700000.00 0.00 20325700000.00 5328700000.00 -1140500000.00 4188200000.00 16137500000.00 0.00 0.00 0.00 35600000.00 16173100000.00 -7100000.00 16166000000.00 16135500000.00 2000000.00 16162000000.00 2000000.00 1009300000.00 2 31.98 31.98 0.00 0.00 31.98 31.98 0.00 0.00 0.00 OTHERS 149700000.00 OTHERS 278500000.00 OTHER EXPENSES 559100000.00 OTHER EXPENSES 882700000.00 0.00 257400000.00 0.00 2105711600000.00 52632400000.00 177000000.00 2178162000000.00 639900000.00 938000000.00 10834200000.00 37000000.00 1900000.00 363800000.00 0.00 0.00 1201106100000.00 530149500000.00 161615100000.00 10000000000.00 83267500000.00 1986540900000.00 1514200000.00 2140100000.00 3654300000.00 4100000.00 -7100000.00 0.00 0.00 0.00 0.00 -27234100000.00 0.00 0.00 0.00 0.00 0.00 0.00 -1233100000.00 0.00 262000000.00 1594700000.00 0.00 0.00 0.00 0.00 0.00 0.00 23677600000.00 0.00 0.00 0.00 0.00 0.00 2614400000.00 0.00 -47673700000.00 -27348000000.00 0.00 61508600000.00 101479700000.00 2370200000.00 0.00 10252900000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2100000.00 20200000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -650700000.00 -3189300000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1400000.00 0.00 2519100000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 466502800000.00 474969200000.00 193600000.00 0.00 0.00 0.00 0.00 -10700000.00 -8670700000.00 4101300000.00 0.00 4101300000.00 13693000000.00 17794300000.00