Lic Housing Finance Ltd.

BSE: LICHSGFIN500253ISIN INE115A01026

Financial Services
Housing Finance Company
BSE 500

Share price

₹520.00+15.00 (+2.97%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹598.00
52W low: ₹459.05
Off 52W high: -13.04%
1M return: +3.22%
3M return: +1.52%
6M return: -10.55%
1Y return: -9.38%
20D avg volume: 5,45,594
50 DMA: ₹533.02
200 DMA: ₹531.59

Key ratios Consolidated

Market cap: ₹28,603 Cr
Current price: ₹520.00
52W high / low: ₹598.00 / ₹459.05
Face value: ₹2.00
P/E: 4.85
P/B: 0.65
EPS (TTM): ₹107.20
Book value / share: ₹797.23
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 3.09
Net debt: ₹1,27,511 Cr
Interest cover: 1.36
Dividend yield: 1.92%
Dividend / share (TTM): ₹10.00
Payout: 9.33%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	7,194	7,083	7,212	7,209	7,179	7,250	7,306	7,070	6,938	6,797	6,948	6,804
	0.21	2.99	0.09	95.40	0.52	0.00	0.03	0.00	0.59	0.00	0.40	0.00
	7,194	7,086	7,212	7,214	7,180	7,250	7,306	7,070	6,938	6,797	6,949	6,804
	5,275	5,187	5,281	5,453	5,477	5,546	5,524	5,272	5,275	5,164	5,466	5,350
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	155.69	200.11	186.52	191.60	160.72	175.60	194.19	217.65	182.49	161.05	209.42	150.21
	5,023	4,946	4,786	4,941	4,994	5,046	4,950	4,950	4,879	4,749	4,646	4,646
	29.47	30.15	30.94	33.55	32.33	24.90	26.41	24.92	23.94	22.50	18.36	18.31
	115.64	99.22	139.29	109.66	92.27	91.71	196.89	—	—	—	—	—
	1,919	1,899	1,931	1,762	1,703	1,704	1,781	1,798	1,664	1,633	1,482	1,454
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	1,919	1,899	1,931	1,762	1,703	1,704	1,781	1,798	1,664	1,633	1,482	1,454
	413.40	402.15	440.85	364.15	353.63	340.60	406.43	—	—	—	—	—
	1,507	1,499	1,493	1,398	1,349	1,364	1,374	1,435	1,328	1,306	1,082	1,169
	27.39	27.25	27.13	25.42	24.53	24.80	24.97	26.09	24.14	23.75	19.67	21.21
Key metrics
	—	—	—	—	—	—	—	6,773	6,566	6,405	6,147	6,119
	—	—	—	—	—	—	—	95.80%	94.60%	94.20%	88.50%	89.90%
	20.90%	21.20%	20.70%	19.40%	18.80%	18.80%	18.80%	20.30%	19.10%	19.20%	15.60%	17.20%
	0.20%	-2.30%	-1.30%	2.00%	3.50%	6.70%	5.10%	3.90%	—	—	—	—
	11.70%	9.90%	8.70%	-2.60%	1.60%	4.40%	27.00%	22.80%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY18
Income statement
	28,698	28,837	28,110	27,277	22,714	19,974	14,987
	98.69	6.38	0.62	0.83	14.32	30.95	117.78
	28,706	28,843	28,111	27,278	22,728	20,005	15,105
	21,195	21,743	21,235	21,213	19,167	17,218	12,011
	0.00	0.00	0.00	0.00	0.00	19.92	—
	0.00	0.00	0.00	0.00	0.00	0.00	—
	733.92	714.36	755.38	649.63	516.41	602.45	—
	19,696	19,771	19,528	18,385	16,135	14,151	11,125
	124.11	121.72	97.77	69.23	69.04	55.19	10.23
	463.81	423.37	456.51	—	—	253.59	—
	7,511	7,100	6,876	6,064	3,561	2,787	3,094
	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	7,511	7,100	6,876	6,064	3,561	2,787	3,094
	1,621	1,499	1,436	—	—	—	1,082
	5,897	5,604	5,443	4,763	2,891	2,287	2,012
	107.19	101.87	98.95	86.53	52.56	43.12	—
Key metrics
	—	—	—	24,519	19,765	16,994	14,229
	—	—	—	89.90%	87.00%	85.10%	94.90%
	20.55%	19.40%	19.40%	17.50%	12.70%	11.40%	13.40%
	-0.37%	2.60%	3.10%	20.10%	13.70%	33.30%	—
	6.78%	3.00%	14.30%	64.70%	26.40%	13.70%	—
	—	-8,556	-16,683	—	—	—	—
	—	-1.52	-3.05	—	—	—	—
	—	3.09	2.72	—	—	—	—
	—	1,27,511	97,637	—	—	—	—
Balance sheet
	—	3,25,213	3,14,040	—	—	—	—
	—	709.56	1,289	—	—	—	—
	—	7.71	11.62	—	—	—	—
	—	0.00	0.00	—	—	—	—
	—	183.57	153.88	—	—	—	—
	—	1,28,221	98,926	—	—	—	—
	—	41,433	36,356	—	—	—	—
Cash flow
	—	-8,504	-16,609	—	—	—	—
	—	1,752	-938.54	—	—	—	—
	—	6,192	17,413	—	—	—	—
	—	52.03	73.35	—	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	7,175	7,062	7,194	7,187	7,163	7,233	7,283	7,057	6,926	6,784	6,936	6,792
	7.45	3.08	0.18	0.01	6.42	0.01	0.04	0.02	6.00	0.02	0.43	0.03
	7,183	7,066	7,195	7,187	7,170	7,233	7,283	7,057	6,932	6,784	6,937	6,792
	5,264	5,177	5,260	5,444	5,465	5,534	5,514	5,264	5,267	5,155	5,461	5,344
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	136.70	184.03	162.37	176.33	142.88	159.54	176.12	204.36	170.32	151.10	198.49	140.09
	5,024	4,948	4,787	4,942	4,995	5,047	4,951	4,951	4,880	4,750	4,650	4,646
	28.32	29.02	29.83	32.54	31.32	23.89	25.42	23.95	22.94	21.62	17.41	17.35
	113.70	97.80	130.87	107.74	90.34	90.04	194.32	—	—	—	—	—
	1,919	1,888	1,934	1,743	1,705	1,699	1,770	1,793	1,664	1,628	1,476	1,449
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	1,919	1,888	1,934	1,743	1,705	1,699	1,770	1,793	1,664	1,628	1,476	1,449
	409.77	400.11	436.83	358.56	350.84	339.24	401.62	—	—	—	—	—
	1,509	1,488	1,497	1,384	1,354	1,360	1,368	1,432	1,329	1,300	1,091	1,163
	27.43	27.06	27.22	25.16	24.61	24.72	24.87	26.03	24.16	23.64	19.83	21.14
Key metrics
	—	—	—	—	—	—	—	6,769	6,567	6,400	6,144	6,113
	—	—	—	—	—	—	—	95.90%	94.80%	94.30%	88.60%	90.00%
	21.00%	21.10%	20.80%	19.30%	18.90%	18.80%	18.80%	20.30%	19.20%	19.20%	15.70%	17.10%
	0.20%	-2.40%	-1.20%	1.80%	3.40%	6.60%	5.00%	3.90%	—	—	—	—
	11.40%	9.40%	9.50%	-3.40%	1.90%	4.60%	25.40%	23.10%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY19	FY18
Income statement
	28,619	28,765	28,050	27,228	22,657	19,919	17,355	14,960
	10.72	7.03	6.08	6.42	17.25	33.95	6.70	113.25
	28,630	28,772	28,056	27,235	22,674	19,953	17,362	15,073
	21,146	21,691	21,200	21,181	19,117	17,175	13,982	12,011
	0.00	0.00	0.00	0.00	0.00	—	—	—
	0.00	0.00	0.00	0.00	0.00	—	—	—
	659.43	641.05	701.90	609.99	473.21	563.32	247.88	217.55
	19,702	19,775	19,532	18,391	16,186	14,154	12,892	11,125
	119.71	117.58	93.93	65.42	65.56	52.44	11.73	9.98
	450.11	409.42	448.74	—	—	248.09	180.62	—
	7,484	7,081	6,856	6,054	3,557	2,778	3,380	3,062
	0.00	0.00	0.00	0.00	0.00	—	—	—
	7,484	7,081	6,856	6,054	3,557	2,778	3,380	3,062
	1,605	1,485	1,427	—	—	—	948.58	1,072
	5,878	5,595	5,429	4,765	2,891	2,287	2,431	1,990
	106.87	101.72	98.70	86.63	52.56	43.14	48.17	—
Key metrics
	—	—	—	24,510	19,809	16,984	16,283	14,196
	—	—	—	90.00%	87.40%	85.30%	93.80%	94.90%
	20.54%	19.50%	19.40%	17.50%	12.80%	11.50%	14.00%	13.30%
	-0.41%	2.50%	3.00%	20.20%	13.70%	14.80%	16.00%	—
	6.62%	3.10%	13.90%	64.80%	26.40%	-5.90%	22.20%	—
	—	-8,591	-16,709	—	—	—	—	—
	—	-1.53	-3.07	—	—	—	—	—
	—	3.10	2.73	—	—	—	—	—
	—	1,27,514	97,647	—	—	—	—	—
Balance sheet
	—	3,25,106	3,13,927	—	—	—	—	—
	—	706.80	1,279	—	—	—	—	—
	—	0.00	0.00	—	—	—	—	—
	—	0.00	0.00	—	—	—	—	—
	—	191.73	161.79	—	—	—	—	—
	—	1,28,221	98,926	—	—	—	—	—
	—	41,326	36,257	—	—	—	—	—
Cash flow
	—	-8,539	-16,689	—	—	—	—	—
	—	1,776	-883.71	—	—	—	—	—
	—	6,210	17,413	—	—	—	—	—
	—	51.68	20.56	—	—	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +8.28%
Sales CAGR 5Y: —
Profit CAGR 3Y: +24.62%
Profit CAGR 5Y: —
Sales YoY (TTM): -0.41%
Profit YoY (TTM): +6.62%

Consolidated

Sales CAGR 3Y: +8.28%
Sales CAGR 5Y: —
Profit CAGR 3Y: +24.68%
Profit CAGR 5Y: —
Sales YoY (TTM): -0.37%
Profit YoY (TTM): +6.78%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 45.24%

Quarter	September 2026	June 2026
Promoter %	45.24%	45.24%

Holder	Type	Holding	Previous	Change
LIFE INSURANCE CORPORATION OF INDIA	Promoter	45.24%	45.24%	0.00%
ICICI PRUDENTIAL MULTI-ASSET FUND	Public	5.18%	—	—
KOTAK EQUITY SAVINGS FUND	Public	2.60%	—	—
BANK MUSCAT INDIA FUND	Public	2.09%	2.09%	0.00%
BANDHAN FINANCIAL SERVICES FUND	Public	2.02%	—	—
GOVERNMENT PENSION FUND GLOBAL	Public	1.98%	2.14%	-0.16%
QUANT MUTUAL FUND - QUANT ARBITRAGE FUND	Public	1.86%	—	—
NIPPON LIFE INDIA TRUSTEE LTD-A/C NIPPON POWER & INFRA FUND	Public	1.43%	1.61%	-0.18%
HDFC MUTUAL FUND - HDFC NIFTY500 MULTICAP 50:25:25 INDEX FUND	Public	1.22%	—	—
Other	Public	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Outcome of Investor Meet2 Nov 2026 · Company Update / Analyst / Investor Meet
Investor Presentation on the Results for Q2 2026-2730 Oct 2026 · Company Update / Investor Presentation
Press Release for the Results for the Q2 2026-2730 Oct 2026 · Company Update / Press Release / Media Release
Unaudited Financial Results for the Second quarter and half year ended on September 30, 202630 Oct 2026 · Board Meeting / Outcome of Board Meeting
Unaudited standalone and consolidated Financial Result for Second quarter ended and half year ended on September 30,202630 Oct 2026 · Result / Financial Results
Prior Intimation of Investor Meet for Q228 Oct 2026 · Company Update / Analyst / Investor Meet
OUTCOME OF THE POSTAL BALLOT - SCRUTINIZER''S REPORT FOR THE APPOINTMENT OF SHRI SANDEEP KUMAR AS MANAGING DIRECTOR & CEO23 Oct 2026 · AGM/EGM / Postal Ballot
LIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/10/2026 ,inter alia, to consider and approve Approve the Un-audited ....21 Oct 2026 · Board Meeting / Board Meeting
Compliance Certificate under Regulation 74(5) for September 2026.7 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of closure of Trading Window for quarter ended September 30, 2026.28 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Notice of Postal Ballot for seeking approval if the members for consideration of appointment of Shri Sandeep Kumar (DIN 11239285) as Managing Director & Chief Executive Officer of the Company22 Sep 2026 · AGM/EGM / Postal Ballot
Transcript of 37th AGM3 Sep 2026 · AGM/EGM / AGM
Intimation of change in senior Management -Cessation of Shri I Sreedhar31 Aug 2026 · Company Update / Change in Management
Appointment of Shri Sandeep Kumar as MD and CEO28 Aug 2026 · Company Update / Change in Directorate
Cessation of Shri T Adhikari as Managing Director and Chief Executive Officer28 Aug 2026 · Company Update / Change in Directorate
Outcome of Board Meeting dated 28th August, 202628 Aug 2026 · Others / Outcome without intimation
Voting Result of 37th AGM28 Aug 2026 · AGM/EGM / AGM
Scrutinizer Report for 37th AGM28 Aug 2026 · AGM/EGM / AGM
Summary Proceedings of the 37th Annual General Meeting of LIC Housing Finance Limited28 Aug 2026 · AGM/EGM / AGM
We refer to certain media reports regarding the order of the Delhi Bench of NCLT in the personal insolvency proceedings of Dr. Subash Chandra under IBC and wish the provide clarification ....27 Aug 2026 · Company Update / General
Clarification on date of submission of documents for Tax on Dividend (TDS) for final dividend FY 2025-2621 Aug 2026 · Company Update / General
Transcript of Call for Q1 FY26-275 Aug 2026 · Company Update / Analyst / Investor Meet
37th Annual General Report of the Company4 Aug 2026 · Others / Reg. 34 (1) Annual Report
Intimation and Notice of 37th Annual General Meeting of the Company4 Aug 2026 · AGM/EGM / AGM
Appointment of Ms Varsha Hardasani as Company Secretary of LICHFL Care Homes Limited (additional charge)31 Jul 2026 · Company Update / General
Outcome of Investor Meet31 Jul 2026 · Company Update / Analyst / Investor Meet
Investor Presentation Q1 FY 2026-2730 Jul 2026 · Company Update / Investor Presentation
Press Release for Q1 FY 2026-2730 Jul 2026 · Company Update / Press Release / Media Release
Outcome of Board Meeting dated June 30,202630 Jul 2026 · Board Meeting / Outcome of Board Meeting
Unaudited Financial Result for the first quarter ended June 30, 202630 Jul 2026 · Result / Financial Results
Intimation of Schedule of Investor Meet for Q1 FY2026-2728 Jul 2026 · Company Update / Analyst / Investor Meet
LIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/07/2026 ,inter alia, to consider and approve Prior Intimation of Board ....20 Jul 2026 · Board Meeting / Board Meeting
Compliance certificate under Regulation 74(5) of SEBI (DP) for June 202610 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
The Board has approved 21st August, 2026 as the Record date for the purpose of ascertaining the eligibility of members for payment of final dividend for FY 2025-26.6 Jul 2026 · Corp. Action / Record Date
Outcome of Board Meeting6 Jul 2026 · Board Meeting / Outcome of Board Meeting
Clarification on Surge in Volumes30 Jun 2026 · Company Update / General
The Exchange has sought clarification from LIC Housing Finance Ltd on June 30, 2026, with reference to Movement in Volume.<BR><BR>The reply is awaited.30 Jun 2026 · Company Update / Clarification
LIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 06/07/2026 ,inter alia, to consider and approve Notice of Board Meeting ....29 Jun 2026 · Board Meeting / Board Meeting
Intimation of closure of Trading Window for quarter ended June 202625 Jun 2026 · Insider Trading / SAST / Closure of Trading Window
Submission of Annual Secretarial Compliance Report for March, 202627 May 2026 · Company Update / Reg.24(A)-Annual Secretarial Compliance

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 10.0000	21 Aug 2026	21 Aug 2026	—
Final Dividend - Rs. - 10.0000	22 Aug 2025	22 Aug 2025	—
Final Dividend - Rs. - 9.0000	23 Aug 2024	—	—

Board meetings

30 Oct 2026 Board Meeting - Financial Results
30 Jul 2026 Board Meeting - Financial Results