Investor Presentation

**Business Performance:** LIC Housing Finance reported Q2 FY26 Net Profit of Rs 1,353.87 Cr (up 2%) and total revenue of Rs 7,163 Cr (up 3%). The outstanding loan portfolio grew 6% to Rs 311,816 Cr, with individual home loans increasing 5% to Rs 264,096 Cr.

Individual home loan disbursements were up 3% at Rs 13,490 Cr.

Net Interest Income (NII) rose 3% to Rs 2,038 Cr.

Asset quality improved, with Stage 3 assets reducing to 2.51%. **Growth Drivers & Strategy:** The company continues to expand its footprint with 307 Area Offices and leverages a diverse distribution network.

Digital growth is evident, with Rs 4,125 Cr in online loan approvals in H1 FY26. **Recent Developments:** LICHF achieved significant milestones in 2025, crossing Rs 3 lakh Cr in loan portfolio and Rs 5,000 Cr in profit.

It was also recognized as the Best Housing Finance Company at the Excellence Awards 2024-25 by NHB. **Key Financial Metrics:** Q2 FY26 Earnings Per Share (EPS) stood at Rs 24.61. Return on Average Equity was 15%, with a strong Total Capital Adequacy Ratio of 23.20% as of March 2025.