Q3 2025 LIC Housing Finance Ltd Earnings Call Transcript

Feb 2, 2025 / 05:30 AM GMT

Release Date Price: ₹557.7 (-4.59%)

Transcript

Key Points

Positve

LIC Housing Finance Ltd (BOM:500253) reported a 24% increase in profit before tax for the quarter, indicating strong financial performance.
The company's asset quality improved significantly, with stage three exposure at default reducing to 2.75% from 4.26% the previous year.
The individual home loan portfolio grew by 7%, comprising 85% of the total portfolio, showcasing robust demand in this segment.
The company launched a new product in the affordable housing segment, which is expected to drive growth and improve margins.
LIC Housing Finance Ltd (BOM:500253) successfully resolved issues in Hyderabad, which had previously impacted disbursements, and anticipates resolving Bangalore's issues soon.

Negative

The company's total revenue growth was modest at 4%, indicating potential challenges in expanding its top line.
Disbursements were impacted by external issues in Bangalore and Hyderabad, leading to a marginal increase of only 2% in total disbursements.
The cost of funds increased to 7.78%, reflecting tight liquidity conditions and rising benchmark rates.
The net interest margin remained flat at 2.70%, suggesting limited improvement in profitability from interest income.
The company faces intense competition in the prime segment, which is affecting its ability to grow its loan book at a faster pace.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

LICH.NS - LIC Housing Finance Ltd
Q3 2025 LIC Housing Finance Ltd Earnings Call
Feb 03, 2025 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day. And welcome to the Q3 FY25 earnings conference call of LIC Housing Finance Limited hosted by axis Capital. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call? Please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Mr Praveen Agarwal from access capital. Thank you and over to you Mr Agarwal.

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Unidentified_2 [2]
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