LIC Housing Finance: Less than 10 PE

  LIC Housing Finance FY25   Profit after tax at Rs.5429.02 crs, up by 14%
  •   FY2024-25 Profit after tax at Rs.5429.02 crs, up by 14%
  • Earnings Per Share (EPS) for the full year, FY2025 was at Rs. 98.70 per share (Share of Rs 2 Face Value) as against Rs 86.63 in FY2024. 
  • Net Profit After Tax for the year ended March 31, 2025, was Rs. 5429.02 crs as against Rs 4765.41 crs during the same period in the previous year, up by 14%. 
  • Net Interest Income (NII) for 12 months stood at Rs. 8129.51 crs from Rs 8650.89 crs during the previous year. 
  • The company’s revenue from operations stood at Rs. 28050.14 crs as against Rs 27228.22 crs for the year ended March 31, 2024, up by 3% 
  • For the year ended March 31, 2025, total disbursements stood at Rs. 64022 crs against Rs. 58937 crs for the same period of the previous year, up by 9%. Out of this, the individual home loan segment registered disbursements of Rs. 51614 crs, as against Rs 49103 crs for the same period of the previous year, up by 5, whereas total disbursements under project loans stood at Rs. 3776 crs as against Rs 2560 crs for the previous fiscal, up by 48%. 
  • Speaking on the performance, Shri. Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, "The housing finance sector has been witnessing strong credit growth with tier-2 and tier-3 cities as main drivers. This has provided a momentum to our efforts towards deeper penetration and improving financial inclusion across the country. Our constant focus towards customer service, effective cost management and improvement in asset quality have contributed to stable margins and improved profitability. As we move into the next fiscal, we remain optimistic about our industry growth, especially in the affordable segment. This should give us a positive road map over the upcoming 12 months.       
LIC Housing Finance: Outstanding Loan portfolio 299144 cr   
  •   Profit After Tax (Rs. cr) CAGR 19% of last 5 years  
  • Q3 FY25 
  • PAT at Rs.1431.96 cr as against Rs 1162.88 cr, up by 23%
  • Q3 FY25 Total Revenue from operations Rs.7057 cr as against Rs.6792cr,up by 4%.
  • Outstanding Loan portfolio up by 6% to Rs.299144 cr
  • Individual Home Loan Portfolio up by 7% to Rs. 254652 Cr
  • Q3FY 25 Loan Disbursements Rs.15475 cr against Rs.15184 cr, up by 2%
  • Individual Home Loan Disbursements Rs.12248 cr as against Rs.12868 cr.
  •  Net Interest Income Rs.2000 cr as against Rs. 2097 cr 
  • Net Interest Margins 2.70 % for Q3 FY25 as against 3.00 % for Q3 FY24.
  • Stage 3 EAD at 2.75 % as against 4.26 % as on 31.12.2023. 
  • Total ECL provision stood at Rs.4974 Cr as on 31.12.2024.
  • During the quarter, the Company has done technical write off of Rs.174 cr. 
  • The Company also concluded a sale of a stressed exposure through ARC for a cash consideration of Rs. 250 Cr. during the quarter. 
LIC Housing Finance: Q1 FY2025-26 Profit after tax at Rs. 1359.92 crs, up by 5%


  • Performance highlights for the quarter ended June 30, 2025 Total disbursements were at Rs. 13116 crs in Q1 FY2026, as against Rs 12915 crs for the corresponding period in FY 2025, up by 2%. Out of this, disbursements in the Individual Home Loan segment were at Rs. 11247 crs against Rs 10932 crs in Q1 FY2025, up by 3%, whereas Project loans were at Rs. 156 crs compared with Rs 521 crs in Q1 FY2025. 
  • Net Profit After Tax stood at Rs. 1359.92 crs compared with Rs 1300.21 crs during the same period in the previous year, an increase of 5%.
  • The Individual Home Loan portfolio stood at Rs. 262411 Cr as on June 30, 2025, as against Rs. 246275 cr as on June 30, 2024, up by 7%. The Project loan portfolio stood at Rs. 8950 crs as on June 30, 2025, as against Rs 8099 crs as on June 30, 2024, up by 10%. 
  • The total outstanding portfolio grew by 7% to Rs. 309587 crs from Rs 288665 crs in the earlier year.
  • As per the same methodology, the provisions for ECL stood at Rs. 5051.27 crs as on June 30, 2025, as against Rs 5670.07 crs as on June 30, 2024. The Stage 3 Exposure at Default as of June 30, 2025, stood at 2.62% against 3.30% as of June 30, 2024. 
  • Speaking on the performance, Shri Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, "We reached a significant milestone, when our company completed 36 years recently. Over the years we have had unwavering dedication to facilitating homeownership throughout India. The current year has started off strongly as we reduced the lending rates during this quarter in view of RBI rate cut. Additionally, we also introduced zero processing fee, in order to ease access to housing credit. Continuing our journey to transform the customer experience, we launched our updated website, which provides a smooth, tech-enabled experience. With increasing urbanization and government incentives like PMAY, affordable housing remains a key segment, for which we expect strong momentum in the current financial year.”

 

https://youtube.com/shorts/ghhA4KR_mt4?si=_77MERgKvt2DKX20

  • LIC Housing Finance: Less than 10 PE
  • Q1 FY25 PAT at Rs.1300.21cr as against Rs 1323.66 cr 
  • Q1 FY25 Total Revenue from operations Rs.6783.67 cr as against Rs.6746.51 cr 
  • Outstanding Loan portfolio up by 4% to Rs. 2,88,665 cr 
  • Individual Home Loan Portfolio up by 7% to Rs. 2,46,275 Cr
  • Individual Home Loans 85.3%
  • Net Interest Margins 2.76% for Q1 FY25 as against 3.21% for Q1 FY24.
  • Net Profit After Tax stood at Rs. 1300.21 crs compared with Rs 1323.66 crs during the same period in the previous year, however sequentially it has increased by 19%
  • Speaking of the performance, Shri. Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, "Following the technology upgrades and organizational restructuring, we are now fully equipped to aim for faster growth especially in individual housing loan segment. The recent Union Budget has given a positive impetus to our sector with its continued focus on infrastructure development and affordable housing. It is expected to significantly enhance housing demand and foster socio-economic growth. In the current financial year, we also anticipate a gradual downtrend in interest rates, which will further accelerate demand in the sector."

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Hi, My Name is Rounaq Bakshi.

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