LIC Housing Finance Limited (LIC HFL) has released its investor presentation for the second quarter ended September 30, 2026. The update highlights a 11% year-on-year increase in PAT, reaching ₹1508.78 crore. Total revenue from operations saw a modest rise to ₹7175 crore. The outstanding loan portfolio grew by 5% to ₹326,173 crore, with disbursements also increasing by 11%.
LIC HFL Unveils Q2 FY27 Financial Performance
LIC Housing Finance Limited (LIC HFL) has published its investor presentation for the second quarter of the financial year 2027, covering the period ending September 30, 2026. The company reported a significant 11% increase in Profit After Tax (PAT), which stood at ₹1508.78 crore for the quarter, up from ₹1353.87 crore in the same period last year.
Key Financial and Operational Highlights
Total revenue from operations for Q2 FY27 was ₹7175 crore, a slight increase from ₹7074 crore in Q2 FY26. The outstanding loan portfolio experienced a 5% growth, reaching ₹326,173 crore. Within this, the retail loan portfolio increased by 4% to ₹316,433 crore, while the project loan portfolio saw a 12% rise to ₹9740 crore.
Loan disbursements for Q2 FY27 also demonstrated strong growth, up by 11% to ₹18,127 crore. Retail loan disbursements grew by 10% to ₹17,563 crore, and project finance disbursements surged by 49% to ₹564 crore.
Net Interest Income and Margins
Net Interest Income for Q2 FY27 was reported at ₹2088 crore, compared to ₹2038 crore in Q2 FY26. However, Net Interest Margins saw a slight decrease to 2.58% from 2.62% in the previous year’s corresponding quarter.
Asset Quality and Provisions
The company’s asset quality metrics show improvement, with Stage 3 EAD (Exposure at Default) decreasing to 2.05% as of September 30, 2026, from 2.51% as of September 30, 2025. Total ECL (Expected Credit Loss) provisions stood at ₹4292 crore as of September 30, 2026, down from ₹5074 crore in the prior year.
Historical Performance and Outlook
The presentation also includes historical data on disbursements, loan portfolio growth, income, and profit after tax over the last five years, indicating consistent growth trends. The company’s journey of 37 years is highlighted, showcasing its evolution and expansion, including significant milestones in asset growth and profitability.
Source: BSE
