LIC Housing Finance reports Rs 1497.41 crore Q4 profit, up by 9%

Business Desk — Wed, 13 May 2026 17:41:16 +0000

LIC Housing Finance Ltd. has reported a significant financial performance for the fourth quarter ending March 31, 2026. The company’s profit after tax for Q4 FY2026 stood at ₹1497.41 crore, marking a 9% increase from ₹1367.96 crore in the same period last year.

The company’s total disbursements for Q4 FY2026 reached ₹21019 crore, a 10% rise compared to ₹19156 crore in Q4 FY2025. Within this, the disbursements in the Individual Home Loan segment were ₹16672 crore, up by 8% from ₹15383 crore, and the Non-Housing Individual Loan segment saw a 25% increase to ₹3348 crore from ₹2676 crore. However, project loans experienced a slight decline to ₹847 crore from ₹875 crore in the previous year.

LIC Housing Finance’s revenue from operations for Q4 FY2026 was ₹7194.34 crore, slightly down by 1% from ₹7281.17 crore in Q4 FY2025. The Net Interest Income (NII) for the quarter was ₹2221.78 crore, reflecting a 3% increase from ₹2165.33 crore in the previous year. The Net Interest Margin (NIM) for the quarter was 2.80%, compared to 2.85% in Q4 FY2025.

The company’s outstanding loan portfolio grew by 4% to ₹320707 crore from ₹307732 crore in the previous year. The Individual Home Loan portfolio increased to ₹270893 crore from ₹261562 crore, while the Project loan portfolio slightly decreased to ₹9190 crore from ₹9213 crore.

Under the IndAS framework, the provisions for Expected Credit Loss (ECL) stood at ₹4568.62 crore as of March 31, 2026, compared to ₹4899.03 crore the previous year. The Stage 3 Exposure at Default was 2.16%, down from 2.47% in March 2025.

For the full fiscal year 2026, the company’s net profit after tax was ₹5595.15 crore, a 3% increase from ₹5429.02 crore in FY2025. The revenue from operations for the year was ₹28764.63 crore, up by 3% from ₹28037.23 crore in the previous year. The Board of Directors has proposed a dividend of 500%, amounting to ₹10 per share.

Shri. Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited, commented on the results, stating that the company’s performance remained resilient despite global challenges. He highlighted the sustained demand momentum and the company’s focus on digital infrastructure and customer-centricity as key drivers of growth.

Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).

Tribhuwan Adhikari | Business Upturn

LIC Housing Finance reports Rs 1497.41 crore Q4 profit, up by 9%