LICHSGFIN · LIC Housing Finance Ltd · Consumer Financial Services
LICHSGFIN · LIC Housing Finance Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
11.6% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹7,066 Cr
Revenue YoY
PAT YoY
+9.9%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.7
P/S (TTM)
1.1
Sector P/E
25.4
Dividend yield
+1.8%
No peer comparison data on file for LICHSGFIN.
Promoter
stable
FII
rising 3q
MF
18.02% (+0.30pp)
rising 1q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
- loweconomictimes.indiatimes.com· 15 Oct 2026, 09:13 amLIC Housing Finance among 4 F&O stocks with a sharp rise in futures open interest - Trend Watch
- mediummacroeconomictimes.indiatimes.com· 13 Oct 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- loweconomictimes.indiatimes.com· 08 Oct 2026, 08:41 amITC among 4 F&O stocks with sharp rise in futures open interest - Derivatives Radar
- loweconomictimes.indiatimes.com· 01 Oct 2026, 08:55 amMax Healthcare Institute among 3 F&O stocks with a sharp rise in futures open interest - Futures Activity Rises
- loweconomictimes.indiatimes.com· 30 Sept 2026, 05:27 pmMacquarie sees strong earnings recovery for banks, picks 5 stocks to outperform
- loweconomictimes.indiatimes.com· 30 Sept 2026, 01:49 amNCLAT issues notices to lenders on Subhash Chandra’s plea against NCLT order
- loweconomictimes.indiatimes.com· 24 Sept 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- loweconomictimes.indiatimes.com· 15 Sept 2026, 09:20 amLIC Housing Finance among 5 F&O stocks with sharp rise in futures open interest - Rise in OI
- unknowneconomictimes.indiatimes.com· 11 Sept 2026, 01:14 pmJioBlackRock Flexi Cap Fund exits NALCO, Hindustan Zinc; trims exposure in BSE, RIL
- unknowneconomictimes.indiatimes.com· 11 Sept 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- unknowneconomictimes.indiatimes.com· 09 Sept 2026, 06:00 amPre-market action: Here's the trade setup for today's session
- loweconomictimes.indiatimes.com· 07 Sept 2026, 05:48 amPre-market action: Here's the trade setup for today's session
- unknowneconomictimes.indiatimes.com· 02 Sept 2026, 11:32 pmSubhash Chandra opposes NCLT’s five-member bench in personal insolvency case
- unknownrediff.com· 02 Sept 2026, 02:31 pmSubhash Chandra contests NCLT's power to form five-member bench in personal insolvency case
- unknowneconomictimes.indiatimes.com· 02 Sept 2026, 05:30 amBreather for creditors: New NCLT bench stays the approval of a repayment plan proposed by Subhash Chandra
- loweconomictimes.indiatimes.com· 31 Aug 2026, 11:09 pmNCLT forms 5-member bench to decide on Subhash Chandra's Rs 6.5 crore repayment plan
- lowlivemint.com· 31 Aug 2026, 10:15 pmTribunal twist: NCLT to hear Chandra plan again, this time with a bigger bench
- unknowneconomictimes.indiatimes.com· 31 Aug 2026, 12:15 pmZee Entertainment shares crash 14% amid Subhash Chandra’s 99.97% loan haircut row
- unknownbusiness-standard.com· 31 Aug 2026, 10:59 amZEEL tanks 15% as Chandra's insolvency resolution plan faces fresh hurdle
- unknowneconomictimes.indiatimes.com· 31 Aug 2026, 01:08 amGroup entities to reconcile, settle dues with lenders: Essel Chairman
Concalls & investor presentations
AI-generatedKey takeaway: The document is a communication from LIC Housing Finance Limited regarding the disclosure of the conference call transcript for the first quarter of FY2026-27. The conference call, held on July 31, 2026, was convened for investors and analysts to discuss the unaudited financial results for the quarter ending June 30, 2026. The transcript has been uploaded to the company's website, and a link to access the material is provided. The communication is signed by Varsha Hardasani, the Company Secretary and Compliance Officer, and includes contact information for the company.
The document presented factual information regarding the conference call and its transcript.
Sourced from an exchange-filed transcript, dated 05 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for LIC Housing Finance Limited for the first quarter ended June 30, 2026, reported a profit after tax (PAT) of ₹1,488.32 crore, reflecting a 9.4% increase from ₹1,359.92 crore in the previous year. Total revenue from operations was ₹7,062 crore, a slight decrease from ₹7,169 crore. The outstanding loan portfolio grew by 4% to ₹322,098 crore, with individual home loans also increasing by 4% to ₹271,979 crore. Loan disbursements rose by 14.5% to ₹15,014 crore, with individual housing loan disbursements up by 8%. The net interest income for the quarter was ₹2,075.52 crore, compared to ₹2,064.71 crore in Q1 FY26. The presentation highlighted a net interest margin of 2.58% and a stage 3 exposure at default of 2.14%. The company maintained a capital adequacy ratio of 25.48%.
The presentation provided a balanced overview of financial performance without strong emphasis on growth or challenges.
Sourced from an exchange-filed presentation, dated 30 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The document is a formal communication from LIC Housing Finance Limited regarding the disclosure of the transcript from their Q4 FY2025-26 earnings conference call. The call took place on May 14, 2026, and was intended for investors and analysts to discuss the audited financial results for the quarter and year ending March 31, 2026. The transcript has been uploaded to the company's website, and a link to access it is provided. The communication is signed by Varsha Hardasani, the Company Secretary and Compliance Officer, and includes contact information for both the National Stock Exchange and BSE Limited.
The document presented factual information regarding the earnings call and its transcript.
Sourced from an exchange-filed transcript, dated 21 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The investor presentation for LIC Housing Finance Limited for the fourth quarter ended March 31, 2026, reported a profit after tax of Rs. 1497.41 crore, reflecting a 9% increase compared to the previous year. The total profit after tax for FY26 was Rs. 5595.15 crore, up by 3%. Loan disbursements for Q4 FY26 reached Rs. 21019 crore, a 10% increase year-on-year, with individual home loan disbursements rising by 8% to Rs. 16672 crore. The outstanding portfolio grew to Rs. 320707 crore, marking a 4% increase. The presentation highlighted a net interest margin of 2.80% for Q4 FY26, slightly down from 2.85% in Q4 FY25. The board proposed a dividend of Rs. 10.00 per share. The document also detailed the company's growth trajectory and various awards received over the years.
Management highlighted growth in profits and loan disbursements.
Sourced from an exchange-filed presentation, dated 13 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: The document is a communication from LIC Housing Finance Limited regarding the disclosure of the conference call transcript for Q3 FY2025-26. The conference call took place on February 2, 2026, to discuss the unaudited financial results for the quarter ended December 31, 2025. The transcript has been uploaded to the company's website, and a link to access the material is provided. The communication is signed by Varsha Hardasani, the Company Secretary and Compliance Officer, and includes contact information for the company.
The document presented factual information regarding the conference call and its transcript.
Sourced from an exchange-filed transcript, dated 04 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedLIC Housing Finance Limited (LICHSGFIN) reported a net worth of ₹5,595.15 Crore and a Profit After Tax (PAT) of ₹101.72 Crore for FY2025-26. The company has a strong credit rating of AAA and received several awards, including the NHB Excellence Awards-1st Edition – Best Housing Finance Company. The company has implemented measures to enhance recovery frameworks, including an Early Warning System and AI-enabled solutions, to improve asset quality and reduce Gross Non-Performing Assets (GNPA). The auditors noted key audit matters related to the estimation of Expected Credit Loss (ECL) on loans and advances, highlighting significant management judgment and estimation uncertainty. The company has no defaults in loan repayments and has not been declared a wilful defaulter by any financial institution.
- Net Worth: ₹5,595.15 Crore, PAT: ₹101.72 Crore for FY2025-26.
- Received awards including NHB Excellence Awards-1st Edition – Best Housing Finance Company.
- Implemented recovery measures like Early Warning System and AI solutions to reduce GNPA.
- Auditors highlighted significant estimation uncertainty in Expected Credit Loss (ECL) calculations.
- No defaults in loan repayments and not declared a wilful defaulter.
Key takeaway: LIC Housing Finance Limited reported strong financials with a net worth of ₹5,595.15 Crore and received industry recognition, but faces risks related to estimation uncertainties in credit loss calculations.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (3 items); Default / Covenant Breach (4 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
3 occurrencesRecent (last 12 months)
The company paid a penalty of 49.70 lakhs in FY 2024-25 for non-compliance with RBI Master Directions. The NHB conducted a supervisory inspection in FY 2025-26, and the company responded to observations received on 03/02/2026.
Earlier (1-3 years ago)
In F.Y. 2022-23, the National Stock Exchange levied a fine of ₹8,66,120/- on the company for violations under several SEBI regulations, with ₹2,36,000/- waived.
The company received a show cause notice from the Reserve Bank of India dated 5th December, 2023, regarding potential imposition of maximum penalty under section 52A of the National Housing Bank Act, 1987 for non-compliance with RBI directions.
Default / Covenant Breach
4 occurrencesRecent (last 12 months)
LIC Housing Finance Limited has overdue amounts of ₹3,774.31 crores for more than ninety days as at March 31, 2026.
Earlier (1-3 years ago)
The company has legacy loans from 2016-2019, including some over Rs. 200 crores, which are in Stage-3 and subject to legal recovery processes like SARFAESI, NCLT, or DRT. The company is considering declaring obstinate defaulters as willful defaulters under RBI guidelines to increase pressure for recovery.
The company has disclosed the total amount of loans overdue for more than ninety days as at March 31, 2025, in Note 35.4.2.4 to the standalone financial statements.
LIC Housing Finance Limited has disclosed in Note 37.4.2.4 to its standalone financial statements the total amount of loans overdue for more than ninety days as of March 31, 2024, along with the number of such cases.
Routine disclosures
Contingent Liability
3 occurrencesRecent (last 12 months)
The company has contingent liabilities including claims not acknowledged as debt, income-tax claims, and goods and service tax claims as of March 31, 2026.
Earlier (1-3 years ago)
The company has received tax demands totaling ₹1.19 crore for AY 2017-18, ₹5.05 crore for AY 2018-19, ₹0.15 crore for AY 2019-20 under DTVSV,2024, and ₹0.04 crore for AY 2023-24, along with GST demands of ₹1.55 crore for FY 2018-19 and ₹0.12 crore for FY 2019-20 from West Bengal, and ₹0.61 crore for FY 2018-19 and ₹31.94 crore for FY 2019-20 from Tamil Nadu. These demands are disputed, and the company has appealed to the Appellate Authority.
The company has contingent liabilities including claims not acknowledged as debts amounting to ₹1.06 crore, pending refunds under the Vivad Se Vishwas Scheme, and tax demands for AY 2018-19, 2019-20, and 2020-21 totaling ₹51.53 crore.
Related-Party Transaction
2 occurrencesRecent (last 12 months)
The company has disclosed investments in Public Deposit by a Close Member and redemption in Public Deposit by a Close Member, along with associated interest expenses and balances, indicating related-party transactions.
Earlier (1-3 years ago)
The company's members approved material related party transaction limits with Life Insurance Corporation of India (LIC of India) up to ₹4,300 crore for renewals, extensions, or modifications of existing arrangements.
Management & Board Governance
1 occurrenceEarlier (1-3 years ago)
Shri M R Kumar resigned as Chairman on 13.03.2023, Shri Raj Kumar resigned as Non-Executive Nominee Director on 09.02.2023, and Shri Jagdish Capoor resigned as Independent Director on 23.05.2023.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
2.58% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).