Guarding the positive trend in the core home loan portfolio, LICHFL has been able to fortify its individual loan book by growing at 14.7% y-o-y in the first half. Competitive products and on ground marketing activities have helped it to increase the disbursements by 13.9%. Grabbing the opportunity from the Seventh Pay Commission, it has launched products for central and state government employees at lower rates. Expansion in margins by 12 bps (2.7% vs 2.6%) in the last quarter from increase in share of LAP portfolio (9.7% in H1FY17 vs 8.8% in FY16)...