NEW DELHI: LIC Housing Finance has reported a growth of 4.41 per cent in its net consolidated profit during the quarter ended June 30, 2025. Its profit after tax stood at ₹1,364 crore in Q1 FY26 as against ₹1,306.40 crore it registered in the corresponding quarter of the previous fiscal, the company said in a BSE filing.
The company’s net consolidated total income stood at ₹7,250.16 crore in Q1 FY26, a growth of 6.67 per cent from ₹6,796.85 crore it recorded in the similar quarter last year.
Tribhuwan Adhikari, managing director & chief executive officer of the company said, “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.”
As on June 30, 2025, its net worth stood at ₹35,934.06 crore, debt-equity ratio was 7.71, total debts to total assets was 0.88, operating margin was 23.49%, net profit margin was 18.80%, gross non-performing assets (NPAs) was 2.62%, net NPA was 1.30% and liquidity coverage was 177.43%.
The board has constituted a review committee for identification of wilful defaulter.
Total disbursements were at ₹13,116 crore in Q1 FY26, as against ₹12,915 crore for the corresponding period in FY25, up by 2%. Out of this, disbursements in the individual home loan segment were at ₹11,247 crore against ₹10,932 crore in Q1 FY25, up by 3%, whereas project loans were at ₹156 crore compared with ₹521 crore in Q1 FY25.
The individual home loan portfolio stood at ₹2,62,411 crore as on June 30, 2025, as against ₹2,46,275 crore as on June 30, 2024, up by 7%. The project loan portfolio stood at ₹8,950 crore as on June 30, 2025, as against ₹8,099 crore as on June 30, 2024, up by 10%. The total outstanding portfolio grew by 7% to ₹3,09,587 crore from ₹2,88,665 crore in the earlier year.
The provisions for expected credit loss (ECL) stood at ₹5,051.27 crore as on June 30, 2025, as against ₹5,670.07 crore as on June 30, 2024. The stage 3 exposure at default as of June 30, 2025, stood at 2.62% against 3.30% as of June 30, 2024.
