What was LIC Housing Finance's revenue in Q4 FY26?

LIC Housing Finance reported revenue of ₹7,194 Cr in Q4 FY26, a -1.2% change year-over-year.

Did LIC Housing Finance management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

LICHOUSINGFINANCE Financial Services 30 Apr 2026

LIC Housing Finance Ltd — Q4 FY26

Q: What guidance did LIC Housing Finance management give?

Loan book growth of 10-12% in FY27: Management expects double-digit loan book growth in FY27, driven by 15% retail disbursement growth, new co-lending/DSA channels, and an affordable housing vertical.

LIC Housing Finance reported Q4 FY26 revenue from operations of ₹7,194 crore, down ~1.2% YoY, while PAT grew 9.46% YoY to ₹1,497 crore, aided by lower credit costs (2 bps in Q4) and improved NIM of 2.80% (up 11 bps QoQ).

Revenue ₹7,194 Cr -1.2%

EBITDA —

PAT ₹1,497 Cr +9.46%

EBITDA Margin —

Duration 65 min

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✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

LIC Housing Finance reported Q4 FY26 revenue from operations of ₹7,194 crore, down ~1.2% YoY, while PAT grew 9.46% YoY to ₹1,497 crore, aided by lower credit costs (2 bps in Q4) and improved NIM of 2.80% (up 11 bps QoQ). Loan book grew only 4% YoY to ₹3.21 lakh crore, with individual home loans comprising 84%. Disbursements rose 10% YoY to ₹21,019 crore, driven by a 25% jump in non-housing individual loans. Stage 3 improved to 2.16% (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.

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Quarter Snapshot

Loan Book Growth ₹3,20,077 Cr

+4% YoY

Outstanding loan portfolio grew to ₹3.21 lakh crore as of March 2026, up from ₹3.08 lakh crore a year ago.

Disbursements (Q4) ₹21,019 Cr

+10% YoY

Total disbursements for Q4 FY26 increased 10% YoY, driven by individual housing loans (+8%) and non-housing individual loans (+25%).

Net Interest Margin (NIM) 2.80%

+11 bps QoQ

NIM improved sequentially from 2.69% in Q3 FY26, but was down 5 bps YoY from 2.85% in Q4 FY25.

Stage 3 (GNPA) 2.16%

-31 bps YoY

Gross NPA ratio improved to 2.16% from 2.47% a year ago, reflecting better asset quality.

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Guidance and risk preview

Top guidance Loan book growth of 10-12% in FY27

Management expects double-digit loan book growth in FY27, driven by 15% retail disbursement growth, new co-lending/DSA channels, and an affordable...

Top risk Geopolitical uncertainty from West Asia crisis

Escalation of the West Asia conflict could lead to higher crude oil prices, inflation, and interest rates, impacting borrower sentiment and loan de...

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