LIC Housing Finance Ltd.

LICHSGFINFinancial Services filings

We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.

Earnings calls

4 transcript(s)/analyst meet(s) served; 8 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 4 documents here); elsewhere sentences render unattributed.

Kind	Date	Period	Served
TRANSCRIPT	20240905	unresolved	yes
COVER_LETTER	20210618	2021-03-31	no
COVER_LETTER	20240809	2024-06-30	no
COVER_LETTER	20241101	2024-09-30	no
TRANSCRIPT	20251104	2024-09-30	yes
COVER_LETTER	20260204	2024-12-31	no
COVER_LETTER	20260521	2025-03-31	no
COVER_LETTER	20250804	2025-06-30	no
COVER_LETTER	20250806	2025-06-30	no
TRANSCRIPT	20250903	2025-06-30	yes
COVER_LETTER	20260805	2025-06-30	no
TRANSCRIPT	20260903	2026-06-30	yes

LICHSGFIN

files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.

Identity


Statement division	nbfc
Scope served	consolidated
Panels on this page	4

Market

No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.


Last close	564.25
52-week range	460.7 – 593.45
Return 1M	11.51%
Return 3M	2.62%
Return 1Y	-2.84%
Return 3Y	21.91%
Return 5Y	31.45%
Market capitalisation	not shown — we could not confirm it
Shares outstanding	not shown — we could not confirm it
P/E	not shown — we could not confirm it
P/B	not shown — we could not confirm it
EV/EBITDA	not shown — we could not confirm it

Latest quarter filed — period ending 2026-06-30

In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.


Revenue from operations	7,083.00
Other income	3.00
Total income	7,086.00
Cost of materials consumed	0.00
Purchases of stock-in-trade	0.00
Changes in inventories	0.00
Employee benefit expense	200.00
Finance costs	4,946.00

Ownership — 2026-06-30, and the change from 2026-03-31

Holder	Per cent	Change
promoter and promoter group	0.45	0.00
institutions foreign	0.21	0.00
institutions domestic	0.21	0.00
mutual funds	0.18	0.00
public	0.55	0.00

Documents on file

Class	Most recent	On file
COVER_LETTER	2025-06-30	8
TRANSCRIPT	nan	4

Financial statements

Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.

Quarterly results, as filed

Line	2022-09-30	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31	2024-03-31	2024-06-30	2024-09-30	2024-12-31	2025-03-31	2025-06-30	2025-09-30	2025-12-31	2026-03-31	2026-06-30
Revenue from operations	5,096.00	5,868.00	6,431.00	6,759.00	6,765.00	6,804.00	6,948.00	6,797.00	6,938.00	7,070.00	7,306.00	7,250.00	7,179.00	7,209.00	7,212.00	7,083.00
Other income	5.00	28.00	0.00	0.00	0.00	0.00	0.00	0.00	1.00	0.00	0.00	0.00	1.00	5.00	0.00	3.00
Total income	5,101.00	5,896.00	6,431.00	6,759.00	6,766.00	6,804.00	6,949.00	6,797.00	6,938.00	7,070.00	7,306.00	7,250.00	7,180.00	7,214.00	7,212.00	7,086.00
Cost of materials consumed	3.00	24.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Purchases of stock-in-trade	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in inventories	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee benefit expense	123.00	131.00	153.00	143.00	147.00	150.00	209.00	161.00	182.00	218.00	194.00	176.00	161.00	192.00	187.00	200.00
Finance costs	3,886.00	4,232.00	4,378.00	4,493.00	4,600.00	4,646.00	4,646.00	4,749.00	4,879.00	4,950.00	4,950.00	5,046.00	4,994.00	4,941.00	4,786.00	4,946.00
Depreciation and amortisation	16.00	17.00	19.00	19.00	13.00	18.00	18.00	22.00	24.00	25.00	26.00	25.00	32.00	34.00	31.00	30.00
Other expenses	82.00	96.00	72.00	72.00	70.00	72.00	115.00	71.00	89.00	100.00	197.00	92.00	92.00	110.00	139.00	99.00
Total expenses	4,713.00	5,319.00	4,978.00	5,114.00	5,283.00	5,350.00	5,466.00	5,164.00	5,275.00	5,272.00	5,524.00	5,546.00	5,477.00	5,453.00	5,281.00	5,187.00
Profit before exceptional items and tax	388.00	577.00	1,453.00	1,645.00	1,483.00	1,454.00	1,482.00	1,633.00	1,664.00	1,798.00	1,781.00	1,704.00	1,703.00	1,762.00	1,931.00	1,899.00
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	388.00	577.00	1,453.00	1,645.00	1,483.00	1,454.00	1,482.00	1,633.00	1,664.00	1,798.00	1,781.00	1,704.00	1,703.00	1,762.00	1,931.00	1,899.00
Current tax	116.00	176.00	569.00	414.00	291.00	365.00	-107.00	372.00	381.00	411.00	-91.00	306.00	319.00	328.00	316.00	353.00
Deferred tax	-39.00	-61.00	-307.00	-88.00	0.00	-77.00	507.00	-43.00	-44.00	-48.00	498.00	35.00	34.00	37.00	125.00	49.00
Tax expense	77.00	115.00	262.00	326.00	291.00	288.00	400.00	329.00	337.00	363.00	406.00	341.00	354.00	364.00	441.00	402.00
Profit for the period	313.00	461.00	1,191.00	1,319.00	1,194.00	1,169.00	1,082.00	1,306.00	1,328.00	1,435.00	1,374.00	1,364.00	1,349.00	1,398.00	1,493.00	1,499.00
Profit attributable to owners	311.00	462.00	1,191.00	1,319.00	0.00	1,167.00	1,082.00	1,306.00	1,328.00	1,435.00	1,373.00	1,364.00	1,349.00	1,398.00	1,493.00	1,499.00
Profit attributable to non-controlling interests	0.00	0.00	0.00	0.00	-0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other comprehensive income	-4.00	-2.00	4.00	-3.00	-1.00	-2.00	3.00	-1.00	-4.00	-0.00	-67.00	-1.00	2.00	2.00	20.00	-6.00
Total comprehensive income	309.00	459.00	1,195.00	1,316.00	1,192.00	1,167.00	1,085.00	1,305.00	1,324.00	1,435.00	1,307.00	1,363.00	1,351.00	1,400.00	1,513.00	1,493.00
Earnings per share, basic	5.66	8.40	21.65	23.98	21.67	21.21	19.67	23.75	24.14	26.09	24.97	24.80	24.53	25.42	27.13	27.25
Earnings per share, diluted	5.66	8.40	21.65	23.98	21.67	21.21	19.67	23.75	24.14	26.09	24.97	24.80	24.53	25.42	27.13	27.25
Interest earned	5,053.00	5,852.00	6,386.00	6,710.00	6,713.00	6,751.00	6,894.00	6,747.00	6,860.00	6,958.00	7,124.00	7,122.00	7,042.00	7,052.00	7,018.00	7,034.00
Fees and commission income	1.00	11.00	20.00	17.00	20.00	16.00	13.00	17.00	12.00	15.00	20.00	17.00	23.00	27.00	46.00	17.00
Net gain on fair value changes	7.00	0.00	13.00	24.00	16.00	7.00	14.00	24.00	10.00	18.00	20.00	25.00	11.00	32.00	13.00	16.00
Dividend income	0.00	3.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Rental income	17.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Annual results, as filed

Line	2020-03-31	2021-03-31	2022-03-31	2023-03-31	2024-03-31	2025-03-31	2026-03-31
Revenue from operations	19,736.00	19,882.00	19,974.00	22,714.00	27,277.00	28,110.00	28,837.00
Other income	-29.00	-1.00	31.00	14.00	1.00	1.00	6.00
Total income	19,707.00	19,880.00	20,005.00	22,728.00	27,278.00	28,111.00	28,843.00
Cost of materials consumed	5.00	1.00	20.00	0.00	0.00	0.00	0.00
Purchases of stock-in-trade	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in inventories	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee benefit expense	328.00	324.00	602.00	516.00	650.00	755.00	714.00
Finance costs	14,781.00	14,450.00	14,151.00	16,135.00	18,385.00	19,528.00	19,771.00
Depreciation and amortisation	51.00	52.00	55.00	69.00	69.00	98.00	122.00
Other expenses	213.00	254.00	254.00	322.00	330.00	457.00	423.00
Total expenses	16,425.00	16,515.00	17,218.00	19,167.00	21,213.00	21,235.00	21,743.00
Profit before exceptional items and tax	3,282.00	3,365.00	2,787.00	3,561.00	6,064.00	6,876.00	7,100.00
Exceptional items	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	3,282.00	3,365.00	2,787.00	3,561.00	6,064.00	6,876.00	7,100.00
Current tax	838.00	946.00	952.00	1,196.00	1,046.00	1,073.00	1,268.00
Deferred tax	40.00	-322.00	-451.00	-526.00	259.00	363.00	231.00
Tax expense	879.00	624.00	501.00	670.00	1,305.00	1,436.00	1,499.00
Profit for the period	2,404.00	2,743.00	2,287.00	2,891.00	4,763.00	5,443.00	5,604.00
Profit attributable to owners	2,403.00	2,741.00	2,286.00	2,891.00	4,759.00	5,442.00	5,604.00
Profit attributable to non-controlling interests	0.00	0.00	0.00	0.00	0.00	0.00	1.00
Other comprehensive income	-7.00	-2.00	-5.00	5.00	-3.00	-72.00	24.00
Total comprehensive income	2,397.00	2,741.00	2,282.00	2,896.00	4,760.00	5,371.00	5,628.00
Earnings per share, basic	47.63	54.32	43.12	52.56	86.53	98.95	101.87
Earnings per share, diluted	47.62	54.32	43.12	52.56	86.53	98.95	101.87
Interest earned	19,614.00	19,709.00	19,718.00	22,546.00	27,067.00	27,689.00	28,234.00
Fees and commission income	59.00	99.00	118.00	67.00	67.00	64.00	112.00
Net gain on fair value changes	2.00	1.00	1.00	54.00	61.00	71.00	80.00
Dividend income	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Rental income	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Balance sheet, as filed

Line	2022-09-30	2023-03-31	2023-09-30	2024-03-31	2024-09-30	2025-03-31	2025-09-30	2026-03-31
Total assets	265,234.00	278,559.00	281,937.00	291,334.00	299,315.00	314,040.00	319,156.00	325,213.00
Property, plant and equipment	171.00	181.00	187.00	163.00	164.00	154.00	188.00	184.00
Capital work-in-progress	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00
Goodwill	153.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other intangible assets	21.00	207.00	203.00	196.00	202.00	194.00	207.00	204.00
Inventories	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash and cash equivalents	508.00	641.00	1,523.00	1,423.00	795.00	1,289.00	352.00	710.00
Total equity and liabilities	265,234.00	278,559.00	281,937.00	291,334.00	299,315.00	314,040.00	319,156.00	325,213.00
Equity	25,525.00	27,188.00	29,228.00	31,480.00	33,615.00	36,356.00	38,520.00	41,433.00
Equity share capital	110.00	110.00	110.00	110.00	110.00	110.00	110.00	110.00
Other equity	25,412.00	27,075.00	29,115.00	31,367.00	33,502.00	36,242.00	38,406.00	41,319.00
Total liabilities	239,709.00	—	—	—	—	277,685.00	280,636.00	283,780.00

Cash flow, as filed

Line	2022-09-30	2023-03-31	2023-09-30	2024-03-31	2024-09-30	2025-03-31	2025-09-30	2026-03-31
Net cash from operating activities	-10,758.00	-19,632.00	1,937.00	-7,151.00	-5,111.00	-16,609.00	-4,275.00	-8,504.00
Net cash from investing activities	156.00	-799.00	951.00	587.00	44.00	-939.00	1,728.00	1,752.00
Net cash from financing activities	10,286.00	20,249.00	-2,006.00	7,346.00	4,440.00	17,413.00	1,610.00	6,192.00
Purchase of property, plant and equipment	27.00	64.00	14.00	37.00	15.00	73.00	30.00	52.00
Net increase in cash	-317.00	-183.00	882.00	781.00	-628.00	-134.00	-937.00	-560.00
con:CFO.BEFORE_TAX	-565.00	-501.00	-28.00	-544.00	-737.00	-1,683.00	-4,623.00	-1,265.00
con:INTEREST_RECEIVED.OPERATING	10,055.00	21,829.00	13,535.00	27,254.00	13,541.00	27,536.00	14,202.00	28,278.00
con:INTEREST_PAID.OPERATING	6,236.00	15,973.00	7,834.00	18,022.00	8,534.00	19,072.00	9,027.00	20,338.00
con:DIVIDENDS_RECEIVED.OPERATING	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:TAX_PAID.OPERATING	591.00	1,054.00	592.00	1,475.00	764.00	1,211.00	591.00	1,294.00
con:CF_OTHER.OPERATING	-13,422.00	-23,934.00	-3,142.00	-14,364.00	-8,618.00	-22,179.00	-4,235.00	-13,885.00
con:INVESTMENTS_PURCHASED	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:INVESTMENTS_SOLD	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:PPE_DISPOSALS	1.00	24.00	0.00	1.00	0.00	0.00	0.00	0.00
con:CF_INVESTING.SUBSIDIARIES_SOLD	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:CF_INVESTING.SUBSIDIARIES_ACQUIRED	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:CF_INVESTING.JV_SOLD	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
con:CF_INVESTING.JV_ACQUIRED	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Who owns it

The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.

Holder	2023-03-31	2023-06-30	2023-09-30	2023-12-31	2024-03-31	2024-06-30	2024-09-30	2024-12-31	2025-03-31	2025-06-30	2025-09-30	2025-12-31	2026-03-31	2026-06-30
Promoter and promoter group	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	45.24	0.45	0.45	0.45	0.45
Domestic institutions	24.18	25.04	21.52	21.77	21.99	21.22	20.52	21.45	21.34	22.20	0.22	0.22	0.21	0.21
Mutual funds	—	—	—	—	—	—	—	—	—	18.08	0.18	0.18	0.18	0.18
Insurance companies	6.61	6.05	5.98	5.62	5.27	4.56	4.23	4.28	3.91	3.68	0.04	0.03	0.03	0.03
Foreign institutions	17.66	17.15	21.21	21.91	22.59	23.19	21.95	21.23	21.55	20.26	0.20	0.20	0.21	0.21
Government	—	—	—	—	—	—	—	—	—	—	—	—	0.00	0.00
Public	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76	54.76	0.55	0.55	0.55	0.55
Non-institutional	12.92	12.57	12.03	11.08	10.18	10.35	12.29	12.08	11.87	12.30	0.12	0.13	0.12	0.12
Shares outstanding	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000	550063000

Related parties

Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.

Counterparty	Relationship	Type	Amount in the period	Transactions
LIC of India	Enterprise Having Significant Infl	Any other transaction, Dividend paid, Interest paid	3,975,300,000.00	19
LICHFL Asset Management Company Ltd	Subsidiary company	Any other transaction, Dividend received, Interest p	399,100,000.00	7
LICHFL Financial Services Ltd	Subsidiary Company	Any other transaction, Dividend received, Interest p	330,500,000.00	10
LICHFL Care Homes Ltd	Subsidiary company	Any other transaction, Inter-corporate deposit, Inte	144,400,000.00	6
LIC Pension Fund Ltd.	Subsidiary of LIC of India	Any other transaction, Interest paid	19,500,000.00	3
LICHFL Trustee Company Private Ltd	Subsidiary company	Any other transaction, Interest paid	15,000,000.00	5
LIC Card Services Ltd.	Subsidiary of LIC of India	Any other transaction, Interest paid	8,000,000.00	2
Mrs. Seema Shridhar	KMP of Company	Loan, Remuneration	6,700,000.00	2
Shri T. Adhikari	Managing Director and CEO (From 03	Remuneration	6,600,000.00	1
M C Chaturvedi	Director & CEO	Remuneration	5,700,000.00	1
LIC Mutual Fund Asset Management Co. Ltd	Associate Company	Dividend received	5,200,000.00	1
LIC Mutual Fund Trustee Company Pvt Ltd	Associate of LIC of India	Any other transaction	4,300,000.00	2
Smt Chhaya Seal	Relative of KMP	Any other transaction	3,800,000.00	3
Mr. Kausik Kumar Ghoshal	Director	Loan, Remuneration	3,700,000.00	2
Shri Sudipto Sil	Chief Finance Office	Interest paid, Remuneration	3,300,000.00	2

What management said

Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.

Date	Quarter	Who spoke
2025-11-04	Q2FY25		Read the call

Some earlier announcements under this heading are covering letters only — no transcript was attached.

What they said about it, quarter by quarter

Topic	Q2FY25
Demand	We have witnessed a good resilient demand in Q2 as compared to Q1, which was slightly muted.
Guidance	In the coming months and quarters, we expect the asset quality to improve further and this trend to continue.
Pricing	So, honestly, our growth is one of the lowest in prime housing despite such a strong brand and competitive pricing.
Revenue growth	2,94,588 crores as on the same period last year, reflecting a growth of 6%.