LIC HFL’s net up by 25% in Q4
The Board of Directors of LIC Housing Finance Ltd. (BSE:500253; NSE: LICHSGFIN) announced its standalone audited results for the fourth quarter ended on March 31, 2025, following its approval by the Board of Directors in a meeting held in Mumbai on May, 15, 2025
Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited
Mumbai, May 16: The Board of Directors of LIC Housing Finance Ltd. (BSE:500253; NSE: LICHSGFIN) announced its standalone audited results for the fourth quarter ended on March 31, 2025, following its approval by the Board of Directors in a meeting held in Mumbai on May, 15, 2025.
Total disbursements were at Rs. 19156 crs in Q4 FY2025, as against Rs 18232 crs for the corresponding period in FY 2024, up by 5%. Out of this, disbursements in the Individual Home Loan segment were at Rs. 15383 crs against Rs 14300 crs in Q4 FY2024,up by 8%, whereas Project loans were at Rs. 875 crs compared with Rs 1501 crs in Q4 FY2024.
The company's revenue from operations grew to Rs. 7283.33 crs as against Rs. 6936.41 crs in Q4 FY2024, a growth of 5%.
Net Interest Income (NII) stood at Rs 2166.44 crs, as against Rs 2237.60 crs for the same period in the previous year. Net Interest Margin (NIM) for the quarter stood at 2.86 % as against 3.15% for Q4 FY 2024 and 2.70% for Q3 FY 2025.
Profit Before Tax for the quarter was Rs. 1769.58 crs as against Rs 1476.18 crs in Q4 FY2024, a growth of 20%.
Net Profit After Tax stood at Rs. 1367.96 crs compared with Rs 1090.82 crs during the same period in the previous year, up by 25%.
The Individual Home Loan portfolio stood at Rs. 261562 Cr as on March 31, 2025, as against Rs. 244205 cr as on March 31, 2024, up by 7%. The Project loan portfolio stood at Rs. 9213 crs as on March 31, 2025, as against Rs 8036 crs as on March 31, 2024, up by 15%. The total outstanding portfolio grew at 7% to Rs. 307732 crs from Rs 286844 crs in the earlier year.
Tribhuwan Adhikari, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, "The housing finance sector has been witnessing strong credit growth with tier-2 and tier-3 cities as main drivers. This has provided a momentum to our efforts towards deeper penetration and improving financial inclusion across the country. Our constant focus towards customer service, effective cost management and improvement in asset quality have contributed to stable margins and improved profitability. As we move into the next fiscal, we remain optimistic about our industry growth, especially in the affordable segment. This should give us a positive road map over the upcoming 12 months.
