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LIC Housing Finance
LIC Housing Finance (LICHSGFIN) investor relations material
LIC Housing Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Q3 FY26 revenue from operations grew 2% year-over-year to INR 7,187 crore, with consolidated revenue at ₹7,208.92 crore.
Outstanding loan portfolio increased 5% to INR 314,268 crore as of December 31, 2025.
Individual home loans comprise about 85% of the portfolio, with disbursements up 7% year-over-year.
Net interest income rose 5% year-over-year to INR 2,102 crore, with net interest margin at 2.69%.
Profit after tax for Q3 FY26 was INR 1,383.95 crore (standalone), down from INR 1,431.96 crore year-over-year; consolidated net profit was ₹1,398.27 crore.
Financial highlights
Total disbursements for Q3 FY26 were INR 16,096 crore, up 4% year-over-year.
Non-housing individual loan disbursements grew 10% year-over-year.
Stage 3 exposure at default improved to 2.45% from 2.75% a year ago.
Provision coverage ratio on Stage 3 assets is about 54%.
Earnings per share for Q3 FY26 at ₹25.16 (standalone) and ₹25.42 (consolidated).
Outlook and guidance
Q4 is expected to be the strongest quarter, with anticipated disbursements of at least INR 22,000 crore.
Management expects to end FY26 with at least a 7% increase in profits.
NIM guidance for the year is 2.6-2.8%, with Q4 expected at 2.70-2.72%.
Weighted average cost of funds decreased to 7.28% in 9MFY26 from 7.78% in 9MFY25.
No material impact is expected from new labour codes, with ongoing monitoring for regulatory updates.
Consultant's plan for growth strategy?
Strategy to align funding with floating loans?
What's the plan for LIC agent synergy?
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Next LIC Housing Finance earnings date
Q4 25/2615 May, 2026
LIC Housing Finance
Next LIC Housing Finance earnings date
Q4 25/2615 May, 2026
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Frequently asked questions
LIC Housing Finance Limited is a housing finance company in India. It primarily offers long-term loans for the construction, repair, purchase, and renovation of residential properties. The company caters to a diverse clientele including resident and non-resident Indians as well as pensioners. Besides individual home loans, LIC Housing Finance also provides project loans for residential and commercial premises, loans against property and securities, and deposit schemes. It operates through a broad network of subsidiaries, branch offices, and agents across India and maintains overseas offices in Dubai. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the National Stock Exchange.
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