LIC Housing Finance reports strong Q2, half-year results with growth in profit, loans

LIC Housing Finance Limited (LICHFL) reported a 2% increase in Q2 FY2026 profit after tax (PAT) to INR 1353.87 crore, with total revenue from operations rising by 3% to INR 7163 crore. The outstanding loan portfolio expanded by 6% to INR 311816 crore, driven by a 5% growth in the individual home loan segment to INR 264096 crore. Net interest income (NII) for Q2 FY2026 stood at INR 2038 crore, up 3%.

For the half-year ended September 30, 2025, LICHFL recorded a 5% increase in both total income and revenue from operations, reaching INR 14403 crore and INR 14396 crore, respectively. PAT for the half-year grew by 3% to INR 2713.79 crore. Loan disbursements for Q2 FY2026 were INR 16313 crore, with individual home loan disbursements at INR 13490 crore, showing a 3% increase over Q2 FY2025.

The company's asset quality saw improvement, with Stage 3 exposure at default (EAD) at 2.51% as of September 30, 2025, down from 3.06% a year prior. Total expected credit loss (ECL) provision reached INR 5074 crore with a 53% coverage on Stage 3 assets. LICHFL’s capital adequacy ratio stood at 23.20% (Tier I at 21.70%) as of March 2025.