LIC Housing Finance Reports Stable Q3 Performance; PAT at ₹1,384 Crore

Mumbai, January 30, 2026 – LIC Housing Finance Limited (LICHFL), India’s largest housing finance company, delivered a steady set of numbers for the third quarter of FY26, reflecting consistent loan growth, stable margins, and improving asset quality. The company reported a net profit of ₹1,383.95 crore for Q3 FY26, marginally lower compared to ₹1,431.96 crore in the corresponding quarter last year. Profit before tax stood at ₹1,742.51 crore, down 3% year-on-year. Net Interest Income (NII) grew 5% YoY to ₹2,102 crore, driven by higher loan disbursements and improved cost efficiencies. Net Interest Margin (NIM) remained largely stable at 2.69%, compared with 2.70% a year ago and better than 2.62% in the previous quarter. Loan disbursements during the quarter increased 4% to ₹16,096 crore, led by the individual home loan segment, which saw a healthy 7% growth. Total outstanding loan portfolio expanded 5% year-on-year to ₹3.14 lakh crore, underscoring steady demand for housing finance. Asset quality showed notable improvement, with Stage-3 (NPA) exposure reducing to 2.45% from 2.75% last year, reflecting better credit discipline and recoveries. Provision coverage stood strong at 54%, ensuring adequate buffers. For the nine months ended December 2025, LIC Housing Finance posted net profit of ₹4,097.74 crore, up marginally from ₹4,061.06 crore in the same period last year. Total disbursements for the period stood at ₹45,525 crore. Commenting on the performance, MD & CEO Tribhuwan Adhikari said the reduction in borrowing costs has supported margin expansion and overall profitability. He added that the upcoming Union Budget and seasonal strength in the January–March quarter are expected to boost housing demand further. With stable earnings, improving asset quality, and a strong distribution network, LIC Housing Finance continues to maintain its leadership position in India’s housing finance sector.