Stock Report

LIC Housing Finance Reports Q1 FY27 Results: Net Profit Rises 9.4% YoY to ₹1,488.32 Crore

Posted On : 2026-07-31 15:54:12( TIMEZONE : IST )

LIC Housing Finance Ltd. (LICHFL) has announced its standalone audited financial results for the first quarter ended June 30, 2026 (Q1 FY27). The housing finance major reported steady growth in profitability, driven by an expansion in total disbursements and asset quality improvements.

Financial Highlights

All figures in ₹ Crore unless explicitly stated otherwise.

For Q1 FY27, LIC Housing Finance reported a Net Profit After Tax (PAT) of ₹1,488.32 crore, representing a 9.4% year-on-year increase compared to ₹1,359.92 crore in Q1 FY26.

Revenue from Operations: Stood at ₹7,062.45 crore, down 1% YoY compared to ₹7,169.32 crore in Q1 FY26.

Net Interest Income (NII): Increased marginally by 0.5% YoY to ₹2,075.52 crore from ₹2,064.71 crore in Q1 FY26.

Net Interest Margin (NIM): Came in at 2.58% for the quarter, compared to 2.68% in Q1 FY26.

Profit Before Tax (PBT): Rose 11% year-on-year to ₹1,888.43 crore in Q1 FY27, up from ₹1,699.16 crore in Q1 FY26.

Operational Performance & Disbursement Trends

Total disbursements grew 14.5% year-on-year to ₹15,014 crore in Q1 FY27, compared to ₹13,116 crore in Q1 FY26.

Individual Home Loans: Disbursements reached ₹12,119 crore, up 8% YoY from ₹11,247 crore in Q1 FY26.

Non-Housing Individual Loans: Disbursements increased 20% YoY to ₹1,975 crore, up from ₹1,647 crore in Q1 FY26.

Project Loans: Surged 459% YoY to ₹872 crore, compared to ₹156 crore in Q1 FY26.

Loan Portfolio & Asset Quality

The total outstanding loan portfolio expanded 4% year-on-year to ₹3,22,098 crore as of June 30, 2026, up from ₹3,09,587 crore a year earlier.

Individual Home Loan Portfolio: Stood at ₹2,71,979 crore (up 4% YoY from ₹2,62,411 crore).

Project Loan Portfolio: Stood at ₹9,687 crore (up 8% YoY from ₹8,950 crore).

Asset Quality & ECL Provisions: Stage 3 Exposure at Default (EAD) improved to 2.14% as of June 30, 2026, down from 2.62% as of June 30, 2025. Provisions for Expected Credit Loss (ECL) stood at ₹4,398.43 crore, compared to ₹5,051.27 crore a year earlier.

Speaking on the performance, Shri Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited, said "We recently celebrated 37 years of our journey by launching 'Har Ghar Ka Humsafar' campaign, reaffirming our commitment to expanding homeownership in India. Our performance during the first quarter reflects the strength of this customer-centric approach, which, along with disciplined execution and operational efficiency, has enabled us to achieve sustainable growth.

Recently, LIC Housing Finance was recognized by the National Housing Bank as the 'Best Housing Finance Company' for the second consecutive year. This recognition reflects the trust our customers and stakeholders have placed in us over the years.

Looking ahead, we expect a stable interest rate environment along with positive growth trajectory for our country, which will provide a favourable backdrop for the sector despite headwinds due to geopolitical conflicts in other parts of the world."

Shares of LIC Housing Finance Limited was last trading in BSE at Rs. 541.05 as compared to the previous close of Rs. 553.40. The total number of shares traded during the day was 38440 in over 1630 trades.

The stock hit an intraday high of Rs. 554.40 and intraday low of 536.60. The net turnover during the day was Rs. 20848824.00.