Conference Call with LIC Housing Finance Management and Analysts on Q1FY26 Performance and Outlook. Listen to the full earnings transcript.
LIC Housing Finance announced Q1FY26 results Total disbursements were at Rs 13,116 crore in Q1FY26, as against Rs 12,915 crore for Q1FY25, up by 2%. Out of this, disbursements in the Individual Home Loan segment were at Rs 11,247 crore against Rs 10.932 crore in Q1FY25, up by 3%, whereas Project loans were at Rs 156 crore compared with Rs 521 crore in Q1FY25. The company's revenue from operations grew to Rs 7,233.13 crore as against Rs 6,783.67 crore in Q1FY25, up by 7%. Net Interest Income (NII) stood at Rs 2,065.78 crore, as against Rs 1,989.08 crore for Q1FY25. Net Interest Margin (NIM) for the quarter stood at 2.68 % as against 2.76% for Q1FY25. Profit Before Tax for the quarter was Rs 1,699.16 crore as against Rs 1,628.43 crore in Q1FY25, an increase of 4%.Net Profit After Tax stood at Rs 1,359.92 crore compared with Rs 1300.21 crore during Q1FY25, an increase of 5%. The Individual Home Loan portfolio stood at Rs 2,62,411 crore as on June 30, 2025, as against Rs 2,46,275 crore as on June 30, 2024, up by 7%. The Project loan portfolio stood at Rs 8,950 crore as on June 30, 2025, as against Rs 8,099 crore as on June 30, 2024, up by 10%. The total outstanding portfolio grew by 7% to Rs 3,09,587 crore from Rs 2,88,665 crore in the earlier year. Tribhuwan Adhikari, Managing Director & Chief Executive Officer, LIC Housing Finance, said: "We reached a significant milestone, when our company completed 36 years recently. Over the years we have had unwavering dedication to facilitating homeownership throughout India. The current year has started off strongly as we reduced the lending rates during this quarter in view of RBI rate cut. Additionally, we also introduced zero processing fee, in order to ease access to housing credit. Continuing our journey to transform the customer experience, we launched our updated website, which provides a smooth, tech-enabled experience. With increasing urbanization and government incentives like PMAY, affordable housing remains a key segment, for which we expect strong momentum in the current financial year.” Result PDF