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