Sign in to fuzzto save your conversations, follow your research and come back anytime.
LIC Housing Finance
SectorFinancial Services
LIC Housing Finance Ltd (LICHFL) is one of India's largest housing finance companies. It provides long-term finance for residential property purchase or construction, as well as loans for existing properties, business needs, and professional equipment. The company also finances builders and developers for residential construction projects. LICHFL operates through 9 regional offices, 24 back offices, and 282 marketing offices across India, with overseas representative offices in Dubai and Kuwait. It has several subsidiaries including LICHFL Asset Management Company, LICHFL Care Homes Limited, and LICHFL Financial Services Limited. The company offers various loan products such as housing loans, home renovation loans, plot loans, and top-up loans. As of 2023, LICHFL's loan portfolio exceeded Rs 2.75 lakh crore, with individual housing loans representing 83.16% of its retail portfolio.
In the news
LIC Housing Finance Shifts Focus to Non-Housing Assets
Trade Spotlight: 34 stocks for September 25 with updated brokerage targets
LIC Growth Strategy: Product Mix Shift & Margin Expansion
CBI charges Subhash Chandra with ₹1,322 cr LIC Housing Finance fraud
ZEEL Shares Drop 9.60% as Chandra Defends Debt Settlement Plan
LIC Housing Finance appoints Sandeep Kumar as MD & CEO
Affle 3i, Hyundai Motor India, LIC Housing Finance Set Q3FY26 Calls Feb 2; V2 Retail Follows Feb 4
The Quarter story
The two most recent quarterly results, compared side-by-side.
LIC Housing Finance delivers steady profit growth and cleaner asset quality, while lending margins face pressure from falling yields and higher funding costs.
Capital adequacy ratio improves from 23.20% in Q2 FY26 to 25.48% in Q1 FY27, strengthening the buffer for future lending.
Net interest margin compresses from 2.68% in Q1 FY26 to 2.58% in Q1 FY27, squeezing core lending profits.
Stage 3 exposure falls from 2.62% in Q1 FY26 to 2.14% in Q1 FY27, showing fewer loans slipping into default.
Lending yields drop from 9.60% in Q1 FY26 to 9.12% in Q1 FY27, reducing income per loan.
Project finance disbursements grow from ₹156 Cr in Q1 FY26 to ₹872 Cr in Q1 FY27, adding a new growth engine.
Incremental cost of funds rises from 6.97% in Q1 FY26 to 7.06% in Q1 FY27, making new borrowing more expensive.
Net profit climbs from ₹1,360 Cr in Q1 FY26 to ₹1,488 Cr in Q1 FY27, confirming steady earnings delivery.
Spreads narrow from 2.10% in Q1 FY26 to 1.84% in Q1 FY27, reflecting tighter pricing power.
Total loan book expands from ₹309,587 Cr in Q1 FY26 to ₹322,098 Cr in Q1 FY27, driven by consistent housing demand.
Return on average equity falls from 15% in Q1 FY26 to 14% in Q1 FY27, indicating slower wealth creation for shareholders.
Company insights, generated from the most recent coverage.
Price sits below the 20/50 EMA and 200 SMA (~₹555-557) and below the lower Bollinger Band at ₹548.63, with ADX 33.8 confirming a strong downtrend despite RSI 14 and CCI -321 being deeply oversold.
Stock fell 3.45% to ₹544.55 on 14 Oct while the Sensex rose 1.54% the prior day — selling into a strong tape points to stock-specific pressure, not market beta.
The 8 October block trade of 1.42 lakh shares at ₹536.50 (₹76 Cr) marks a nearby demand zone — holding ₹536 is the key level for the near-term chart.