Q4 2026 LIC Housing Finance Ltd Earnings Call Transcript
Key Points
- LIC Housing Finance Ltd (BOM:500253) reported a 9.46% increase in profit after tax for Q4 FY26 compared to the same period last year.
- The company's net interest income grew by 6% sequentially and 3% year-over-year, indicating strong financial performance.
- Asset quality improved with Stage 3 exposure at default reducing to 2.16% from 2.47% the previous year.
- The company successfully reduced its cumulative cost of funds by 46 basis points year-over-year.
- LIC Housing Finance Ltd (BOM:500253) launched a new technology initiative to automate loan underwriting, expected to enhance customer experience and reduce turnaround times.
- Total revenue from operations slightly decreased to INR7,194 crores from INR7,281 crores in the corresponding quarter of the previous year.
- The company faces intense competition from banks, impacting its growth in the individual home loan segment.
- Geopolitical uncertainties, particularly in West Asia, pose risks to the company's growth outlook.
- The company's net interest margin for the full year decreased to 2.68% from 2.73% the previous year.
- LIC Housing Finance Ltd (BOM:500253) experienced a 12 basis point compression in spreads due to competitive pressures and rate adjustments.
Ladies and gentlemen, good day and welcome to the LIC Housing Finance Q4 FY26 Investors Conference call, hosted by Axis Capital Limited. (Operator Instructions)
Please note that this conference has been recorded. I now hand the conference over to Mr. Praveen Agarwal from Axis Capital Limited. Thank you, and over to you, sir.
Thank you, Saknali. Good morning, everyone, and welcome to this evening's call. Today, we have Mr. M.D.N.C.O. And Mr. Lokesh Mundra, CFO, to discuss the results. I would request Mr. to share his initial remarks on the results, post which will open the floor for Q&A. What do you say?
Yeah, thank you, Praveen. Good morning and welcome to all of you to the post-earnings conference call of LIC Housing Finance Limited. As you are aware, LIC HFL declared this Q4 Financial Year '26 results yesterday. Before I start the highlights of the Q4 results, I would like to outline the few
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