ICICI Securities Ltd | Retail Equity Research LICHF's bottomline came in below estimates. PAT increased 15.3% YoY to | 470 crore, which was below estimates. This was mainly on account of lower-than-expected NII at | 913 crore (up 10.7% YoY) vs. our estimate of | 1011 crore (up 22.6% YoY) NIM was at 2.5%, which was a bit lower-than-expected. Advances traction came in line with estimate at 15.4% YoY to | 147051 crore. Individual book increased 14.4% YoY to 141440 crore while...