LIC Housing Finance Q2 FY27 PAT up 11% to ₹1508.78 Cr; Disbursements rise 11%
LIC Housing Finance reported Q2 FY27 PAT of ₹1508.78 Cr, up 11%. Disbursements rose 11% to ₹18127 Cr. Outstanding loan portfolio reached ₹326173 Cr, a 5% increase. NIM was 2.58%. For H1 FY27, PAT was ₹2997.10 Cr (up 10%) and disbursements stood at ₹33140 Cr (up 13%).
The announcement details strong quarterly financial results, including profit growth and increased disbursements, which are material to investors and the company's market position.
The company reported growth in key financial metrics such as Profit After Tax and total disbursements, along with an increase in the loan portfolio, indicating positive financial performance.
LIC Housing Finance Limited announced its unaudited financial results for the second quarter ended September 30, 2026. The company reported a Profit After Tax (PAT) of ₹1508.78 crore, an increase of 11% compared to ₹1353.87 crore in the same quarter last year. Total disbursements for Q2 FY27 stood at ₹18127 crore, an 11% rise from ₹16313 crore in Q2 FY26. Retail loan disbursements grew by 10% to ₹17563 crore, while project loans saw a significant 49% increase to ₹564 crore.
The company's revenue from operations grew by 1% to ₹7175 crore from ₹7074 crore in the prior year's comparable quarter. Net Interest Income (NII) increased by 2% to ₹2088 crore from ₹2038 crore. The Net Interest Margin (NIM) for the quarter was 2.58%, compared to 2.62% in Q2 FY26 and 2.58% in Q1 FY27. Profit Before Tax (PBT) rose by 13% to ₹1918.55 crore from ₹1704.71 crore.
The outstanding loan portfolio grew by 5% to ₹326173 crore as of September 30, 2026, compared to ₹311816 crore a year prior. Retail loans increased by 4% to ₹316433 crore, and the project loan portfolio grew by 12% to ₹9740 crore. Provisions for Expected Credit Loss (ECL) stood at ₹4292 crore, with a Stage 3 coverage of 49%. Stage 3 exposure on default was 2.05% as of September 30, 2026, down from 2.51% a year ago.
For the first half of FY27, PAT was ₹2997.10 crore, up 10% from ₹2713.79 crore in H1 FY26. Total disbursements for H1 FY27 were ₹33140 crore, a 13% increase. Revenue from operations remained stable at ₹14236 crore. NII grew by 1% to ₹4163 crore, and NIM stood at 2.57%. PBT for H1 FY27 increased by 12% to ₹3806.98 crore.
Sandeep Kumar, Managing Director & CEO, commented on the resilient housing finance sector and stable demand in retail housing. He highlighted the company's focus on sustainable growth, customer-centricity, and operational efficiency, aiming to strengthen market presence and make homeownership accessible. He expressed optimism for continued positive borrower sentiment, supported by India's economic strength, demographics, and government focus on housing.
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LIC Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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