5002532022-07-012022-09-305002532022-09-305002532022-03-315002532022-04-012022-09-305002532022-07-012022-09-30in-bse-fin:OtherRevenueFromOperations1Member5002532022-04-012022-09-30in-bse-fin:OtherRevenueFromOperations1Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses1Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses2Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses3Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses4Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses5Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses6Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses7Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses8Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses9Member5002532022-07-012022-09-30in-bse-fin:OtherExpenses10Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses1Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses2Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses3Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses4Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses5Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses6Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses7Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses8Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses9Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses10Memberiso4217:INRiso4217:INRxbrli:shares500253LICHSGFINNOTLISTEDINE115A01026LIC Housing Finance LimitedEquity2022-04-012023-03-312022-11-012022-10-18INRCroresHalf yearlySingle segmentHousing Finance2022-11-0111:00:002022-11-0115:50:00trueCash Flow IndirectNot applicable2022-07-012022-09-30UnauditedStandalone5049304000028250000460000120400000111040000693000000061640000508841300003608000050920210000000111674000038864040000159750000523100000019199000003738100000810030000471316600003788550000037885500001133390000-394610000738780000304977000000003049770000-35790000301398000000110076000025.5440005.54402022-04-012022-09-30UnauditedStandalone10299530000028250000940000258900000183010000176300000009648000010373918000090830000103830010000000209114000075264440000306650000956200000019201000006815200000128416000088637890000151921200000151921200004469930000-15823800002887550000123045700000000123045700003282000012337390000001100760000225327936000022.36900022.3690Miscellaneous Income61640000Miscellaneous Income96480000Rent, Rates and Taxes54670000Repairs and Maintenance79790000Communication Costs64160000Printing and Stationery30010000Advertisement & Publicity Expenses68240000Director’s fees, allowances and expenses4490000Legal and Professional charges34110000Insurance Charges550000Travelling and Conveyance50370000Miscellaneous Expenses423640000Rent, Rates and Taxes98950000Repairs and Maintenance120420000Communication Costs93280000Printing and Stationery45420000Advertisement & Publicity Expenses98940000Director’s fees, allowances and expenses6430000Legal and Professional charges56200000Insurance Charges890000Travelling and Conveyance101190000Miscellaneous Expenses66244000050499000001180000000203040000000255831760000060426400000165500000027482000001525210000014841000005800000374400000210810000442004000026513282900001100760000253279360000254380130000254380130000012000004789000000012775741000008699390900001603948000001795600000066287230000015220000000279484000023969481600002651328290000The 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 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, the NHB or other regulators are implemented as and when they are issued / become applicable. <BR> 4.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. <BR> 5.The members at the Annual General Meeting held on September 29, 2022, approved the payment of final dividend of Rs.8.50 per equity share aggregating to Rs.467.55 crore for the year ended March 31, 2022, as recommended by Board of Directors of the Company at its meeting held on May 18, 2022. Accordingly, the dividend amount has been paid to the shareholders in October 2022. <BR> 6.Pursuant to RBI Circular on "Prudential Norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances Clarification" dated November 12, 2021, the Company has taken necessary steps and complied with the provisions of the aforesaid circular. On February 15, 2022, the RBI allowed deferment of para 10 of the aforesaid circular till September 30, 2022 pertaining to upgrade of non performing accounts. However, the Company has not opted for the deferment. <BR> 7.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: Resolution of Covid-19 related Stress of Individuals and Small Businesses. <BR> RS.INCRORES <BR> Type of borrower Exposure to Accounts classified as Standard consequent to implementation of resolution plan - Position as at 31st March 2022 (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 30th September 2022. <BR> Personal Loans 2267.88 23.54 - 57.43 1373.68 <BR> Corporate persons* 4114.09 851.77 - 443.26 2093.25 <BR> Of which, MSMEs - - - - - <BR> Others - - - - - <BR> Total 6381.97 875.31 - 500.69 3466.93 <BR> <BR> <BR> 8.There are no loans transferred / acquired during the quarter / period ended September 30, 2022 under the RBI Master Direction on Transfer of Loan Exposure dated September 24, 2021. <BR> 9. The Secured listed non-convertible debt securites of the 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, 2022. <BR> 10. Disclosures in compliance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the Half Year ended September 30, 2022 is attached as Annexure 1. <BR> 11. The Reserve Bank of India, under Scale Based Regulations has categorised the Company as Upper Layer (NBFC-UL), vide it's circular dated September 30,2022. Management has initiated necessary steps in terms of formulating an implementation plan and ensuring compliances with norms/ changes suggested as and when they become applicable. <BR> 12.In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above results for the Half Year ended September 30, 2022 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on November 01, 2022. The above results have been subjected to a Limited Review by the Statutory Auditors of the Company. <BR> 13.The figures for the previous periods have been regrouped / reclassified / restated wherever necessary in order to make them comparable. <BR> 47840000-43860000-1205000011040000-357900003282000000000-117600000-11084800000000000-891800000068152000000439000000-240553000000031400000000-261168000001000007212000000-154480500000-1392883800000623723000001004635000005866500000-430800000-1074944800000000000052000002411000001683600000675000000000000000000002820000032000000014116000000000000082660250000071877050000024550000004675500000000102911000000-3171880000-100000-317198000082219400005049960000