Housing Finance company LIC Housing Finance announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Total disbursements were at Rs 19,156 crore, in Q4FY25, as against Rs 18,232 crore, for the corresponding period in FY 2024, up by 5%. The company's revenue from operations grew to Rs 7,283.33 crore, as against Rs 6,936.41 crore, in Q4FY24, a growth of 5%. Net Interest Income (NII) stood at Rs 2,166.44 crore, as against Rs 2,237.60 crore, for the same period in the previous year. Net Interest Margin (NIM) for the quarter stood at 2.86 % as against 3.15% for Q4FY24 and 2.70% for Q3FY25. Profit Before Tax for the quarter was Rs 1,769.58 crore, as against Rs 1,476.18 crore, in Q4FY24, a growth of 20%. Net Profit After Tax stood at Rs 1,367.96 crore, compared with Rs 1,090.82 crore, during the same period in the previous year, up by 25%. The Individual Home Loan portfolio stood at Rs 2,61,562 crore, as on March 31, 2025, as against Rs 2,44,205 crore as on March 31, 2024, up by 7%. FY25 Financial Highlights: For the year ended March 31, 2025, total disbursements stood at Rs 64,022 crore, against Rs 58,937 crore, for the same period of the previous year, up by 9%. The company’s revenue from operations stood at Rs 28,050.14 crore, as against Rs 27,228.22 crore, for the year ended March 31, 2024, up by 3% Net Interest Income (NII) for 12 months stood at Rs 8,129.51 crore,,from Rs 8,650.89 crore, during the previous year. Profit Before Tax (PBT) for FY 2025 was at Rs 6,855.81 crore, against Rs 6,053.92 crore, during the previous year, up by 13%. Net Profit After Tax for the year ended March 31, 2025, was Rs 5,429.02 crore, as against Rs 4,765.41 crore, during the same period in the previous year, up by 14%. Net Interest Margin (NIM) for FY25 stood at 2.73% as against 3.08% for the previous year. Earnings Per Share (EPS) for the full year, FY2025 was at Rs 98.70 per share (Share of Rs 2 Face Value) as against Rs 86.63 in FY24. Speaking on the performance, Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance said, "The housing finance sector has been witnessing strong credit growth with tier-2 and tier-3 cities as main drivers. This has provided a momentum to our efforts towards deeper penetration and improving financial inclusion across the country. Our constant focus towards customer service, effective cost management and improvement in asset quality have contributed to stable margins and improved profitability. As we move into the next fiscal, we remain optimistic about our industry growth, especially in the affordable segment. This should give us a positive road map over the upcoming 12 months. LIC Housing Finance Ltd. is the largest housing finance company in India. It has one of the widest networks of offices across the country and representative office in Dubai. In addition, the Company also distributes its products through branches of its subsidiary LIC HFL Financial Services Ltd. LIC Housing Finance Ltd was promoted by Life Insurance Corporation in 1989 and a public issue was made in 1994. It launched its maiden GDR offering in 2004. The company enjoys the highest rating from CRISIL & CARE indicating highest safety regarding the ability to service interest and repay principal. Result PDF
Power & Electric Utilities company JSW Energy announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: During the quarter, Total Revenue increased by 21% YoY to Rs 3,497 crore from Rs 2,879 crore resulting into EBITDA growth of 17% YoY from Rs 292 crore to Rs 1,512 crore Finance costs during the quarter increased to Rs 675 crore vis-a-vis Rs 533 crore in Q4FY24 due to additional borrowings for ongoing capital expenditure and acquisitions, along with a slight increase in the weighted average cost of debt to 9.05% vs 8.64% in Q4FY24 Profit after tax increased 16% YoY from Rs 351 crore in Q4FY24 to Rs 408 crore in Q4FY25 while Cash PAT grew by 8% from %86 crore in Q4FY24 to Rs 744 crore in Q4FY25 EBITDA for Q4FY25 increased 17% YoY to Rs 1,512 crore while FY25 EBITDA increased 5% YoY to Rs 6,115 crore FY25 Financial Highlights: For FY25 Total Revenue increased 6% YoY to Rs 12,639 crore from Rs 11,941 crore in FY24. EBITDA for the year grew by 5% YoY to Rs 6,115 crore driven by RE capacity additions, contributions from the Utkal and KSK Thermal plants PAT increased by 13% YoY to Rs 1,951 crore as compared to Rs 1,723 crore in FY24. Cash PAT for the full year stands at Rs 3,399 crore and Rs 4,679 crore on proforma basis. Result PDF