Q4 2025 LIC Housing Finance Ltd Earnings Call Transcript
Key Points
- LIC Housing Finance Ltd (BOM:500253) reported a 5% increase in total revenue from operations, reaching INR7,283 crores compared to the previous year.
- The company's total loan portfolio grew by 7.38%, standing at INR3,07,732 crores as of March 31, 2025.
- Net interest margins improved to 2.86% for the quarter, up from 2.70% in the previous quarter.
- The company declared a 500% dividend, equivalent to INR10 per share, indicating strong shareholder returns.
- Asset quality showed improvement with Stage 3 exposure at default reducing to 2.47% from 3.31% the previous year.
- Despite the repo rate cuts, liquidity conditions remained constrained, contributing to higher market yields.
- Net interest income decreased to INR2,166 crores from INR2,238 crores in the previous fiscal year.
- The project loan disbursements decreased significantly to INR875 crores from INR1,501 crores in the previous year.
- The company's net interest margins for the year declined to 2.73% from 3.08% the previous year.
- There is increased competition from banks offering lower home loan rates, which may pressure LIC Housing Finance Ltd (BOM:500253) to reduce its rates further.
(technical difficulty) earnings conference call hosted by Axis Capital. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Praveen Agarwal from Axis Capital. Thank you, and over to you, sir.
Thank you, Manav. Good day, everyone, and welcome to this earnings call. We have with us from the management team, Mr. Tribhuwan Adhikari, MD and CEO; and Mr. Lokesh Mundhra, CFO, to take us through the key highlights of the results, post which we'll open the floor for Q&A.
Over to you, Adhikari sir, for your initial remarks, please.
Yes. Thank you, Praveen. Very good morning to all of you, and welcome to the post earnings conference call of LIC Housing Finance Limited for Q4. As you are aware, LIC Housing Finance Limited declared its Q4 results yesterday. Before I start the highlights
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