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:OtherExpenses1Member5002532022-04-012022-09-30in-bse-fin:OtherExpenses1Member5002532022-07-012022-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15002532022-04-012022-09-30ItemsThatWillNotBeReclassifiedToProfitAndLoss1iso4217:INRxbrli:pureiso4217: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 applicable2022-07-012022-09-30UnauditedConsolidated50530000000016670000010200000693200000797000001793000005096349000050500000510139900002737000000122530000038858100000160040000385100000-464000019199000003738100000823000000471322700003881720000038817200001155570000-3882900007672800003114440000000128000003127240000-3550000030917400003113300000110000030906000001100000110076000025.665.66005.665.660002022-04-012022-09-30UnauditedConsolidated103081100000035450000014000000176320000079700000292400000103926290000112700000104038990000273700000023188000007525160000032254000076650000026000019201000006815200000130820000088730570000153084200000153084200004505370000-158029000029250800001238334000000045000001238784000032700000124205400001238140000019000001241860000019000001100760000205.665.66005.665.66000Others179300000Others292400000Other Expenses823000000Other Expenses130820000050772000001648800000203040000038400000025577170000006103480000023950000002784600000152819000000017126000006800000374000001531400000210900000299140000026523431000001100800000254124000000255224800000297000002552545000000012000004210000000012775742000008699392000001597832000001795600000066971400000015629000002000002879300000239708860000026523431000004.The above financial results represent the Consolidated financial results for LIC Housing Finance Limited and its subsidiaries constituting the 'Group' . <BR> <BR> 5. 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 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> 6. 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> 7. 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> 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. 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> 11. 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> 12. The figures for the previous periods have been regrouped / reclassified / restated wherever necessary in order to make them comparable. <BR> A (i) Items that will not be reclassified to profit or loss-47900000-47900000A (i) Items that will not be reclassified to profit or loss4380000043800000-124000001110000000-355000003270000075251700000000000-20000000-12050000000003225000006815200000438000000-21634000008790000010000001014669000000000-4350000007270000000-20957600000-56491800000623595000001005490000005908200000-134217000000-10758488000000000000520000027090000018964000008090000000000000000000043000003200000050000015578000000000000082660250000071877050000002670000004704000000000102861000000-3166080000-100000-316618000082434000005077220000