Quarterly results for LIC Housing Finance Ltd

LIC Housing Finance Limited – Q1 FY26 Results Summary
Announcement Date: August 1, 2025

Key Financial Metrics (Consolidated):
- Revenue from operations: ₹7,250 crore, up 6.7% YoY (Q1 FY25: ₹6,797 crore), slightly down QoQ (Q4 FY25: ₹7,306 crore)
- Net Profit: ₹1,364 crore, up 4.4% YoY (Q1 FY25: ₹1,306 crore), stable QoQ (Q4 FY25: ₹1,374 crore)
- Basic & Diluted EPS: ₹24.80 (not annualised)
- Operating Margin (Standalone): 23.5%; Net Profit Margin: 18.8% (slight YoY decline)

Balance Sheet & Asset Quality:
- Gross NPA improved to 2.62% from 3.29% YoY; Net NPA improved to 1.30% from 1.68% YoY
- Provision Coverage Ratio increased to 50.92% from 49.79% YoY
- Debt Equity Ratio improved to 7.71 from 8.45 YoY; Total Debt to Assets stable at 0.88
- Liquidity Coverage Ratio at 177.43%, down from 197.72% YoY but remains comfortable
- Security cover for listed NCDs maintained at 1.21x as per SEBI regulations

Segment Performance:
- Loans segment revenue: ₹7,233 crore; segment profit: ₹1,699 crore
- Other segments (Financial Services, Construction, Asset Management, Trusteeship) contributed marginally

Corporate & Strategic Developments:
- Securitized ₹1,112 crore of receivables during the quarter under RBI guidelines
- No loan transfers/acquisitions under RBI Transfer of Loan Exposures directions
- Raised ₹7,960 crore via NCDs and ₹1,500 crore via Commercial Paper in Q1 FY26; full utilization with no deviations
- Board approved shifting registered office effective August 2, 2025
- Constituted Review Committee for identification of wilful defaulters as per RBI Master Direction
- AGM scheduled for August 29, 2025 via video conferencing

Auditor’s Note:
- Unmodified review reports on standalone and consolidated results with no qualifications or concerns
- Compliance with Indian Accounting Standards and SEBI Listing Regulations confirmed

Outlook:
- No explicit forward guidance provided in this filing.

Note: This is an AI generated summary of the results. There may be inaccuracies in the summary. Please refer to the original document before making investment decisions.