LIC Housing Finance

LIC Housing Finance reported Q4 FY26 revenue from operations of ₹7,194Current reported value: 7,194. No comparable prior figure is available in the source record. crore, down ~1.2% YoY, while PAT grew 9.46% YoYCurrent reported value: 9.46% YoY. No comparable prior figure is available in the source record. to ₹1,497 crore, aided by lower credit costs (2 bps in Q4) and improved NIM of 2.80%Current 2.80%. Reported change: +11 bps QoQ. (up 11 bps QoQ). Loan book grew only 4% YoYCurrent reported value: 4% YoY. No comparable prior figure is available in the source record. to ₹3.21 lakh crore, with individual home loans comprising 84%. Disbursements rose 10% YoYCurrent reported value: 10% YoY. No comparable prior figure is available in the source record. to ₹21,019 crCurrent ₹21,019 Cr. Reported change: +10% YoY.ore, driven by a 25% jump in non-housing individual loans. Stage 3 improved to 2.16%Current 2.16%. Reported change: -31 bps YoY. (vs 2.47% a year ago). Management guided for 10-12% book growth in FY27, supported by new co-lending, DSA partnerships, and an affordable housing vertical. However, geopolitical risks (West Asia crisis) and intense competition from banks on pricing remain key headwinds. Margins are expected to moderate to 2.5-2.7% for FY27.