Q2 2026 LIC Housing Finance Ltd Earnings Call Transcript

Oct 30, 2025 / 06:00 AM GMT

Release Date Price: ₹570.45 (-3.87%)

Transcript

Key Points

Positve

Total revenue from operations increased by 3% year-on-year, reaching 7,163 crores.
Outstanding loan portfolio grew by 6% year-on-year, standing at 3,11,816 crores.
Net interest income rose to 2,038 crores from 1,974 crores in the previous year.
Asset quality improved with stage 3 exposure at 2.51%, down from 3.06% the previous year.
Cost of funds decreased to 7.42% from 7.73% year-on-year, indicating improved financial efficiency.

Negative

Growth in disbursements was only 3% year-on-year, indicating a slowdown in lending activity.
Net interest margins declined to 2.62% from 2.71% in the previous year.
The project loan portfolio remained muted, contributing only 3% to the overall portfolio.
High balance transfers (BT) out, with 4,014 crores in Q2, impacted loan book growth.
The company faces intense competition from banks offering lower interest rates, affecting customer retention.

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

LICH.NS - LIC Housing Finance Ltd
Q2 2026 LIC Housing Finance Ltd Earnings Call
Oct 30, 2025 / 06:00AM 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 LIC Housing Finance Q2 FY26 investors conference call hosted by Axis Capital Limited.

This conference may contain forward-looking statements about the company which are based on the beliefs, opinions, and expectations of the company as on date of this call.

These statements are not the guarantees of future performance and involve risk and uncertainties that are difficult to predict.

As a reminder, all participant clients 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, then 0 on

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