LIC Housing Finance announced its Q2 FY26 results, reporting a 2% increase in profit after tax (PAT) to ₹1353.87 Cr. Total revenue from operations rose by 3%. The outstanding loan portfolio grew by 6%, with individual home loans increasing by 5%. Asset quality remains stable, with stage 3 EAD at 2.51% as of September 30, 2025.
Financial Performance
LIC Housing Finance (LICHFL) reported a profit after tax (PAT) of ₹1353.87 cr for Q2 FY26, compared to ₹1328.89 cr in the same period last year, representing a growth of 2%. Total revenue from operations increased by 3% to ₹7163 cr.
Loan Portfolio Growth
The company’s outstanding loan portfolio grew by 6% to ₹311816 cr. Individual home loans comprised a significant portion, increasing by 5% to ₹264096 Cr.
Key Financial Metrics
- Net Interest Income: ₹2038 cr for Q2 FY26.
- Net Interest Margins: 2.62% for Q2 FY26.
- Stage 3 EAD: 2.51% as on 30.09.2025.
- Total ECL provision: ₹5074 Cr as on 30.09.2025.
Historical Performance
Over the past 5 years, LICHFL has demonstrated consistent growth:
- Disbursement CAGR: 4%
- Loan Portfolio CAGR: 7%
- Income CAGR: 9%
- Profit After Tax CAGR: 19%
Shareholding Pattern
As of September 2025, the shareholding pattern is as follows:
- Life Insurance Corporation of India: 45.24%
- MFs & Others: 24.23%
- FII & other Overseas Investor: 20.67%
- Public: 9.86%
Liability Profile
As of 30.09.2025, the outstanding borrowings are ₹272458 cr. The weighted average cost of funds is 7.42%.
Source: BSE