LIC Housing Finance : INVESTOR UPDATE Q3 FY 2024-2025

Published on 31/01/2025 at 19:08 - Modified on 31/01/2025 at 19:09

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Investor Update Q3 FY 2025

LICHFL: A Journey of 35 Years……

								2024
							2019	Crossed Rs. 4000 Cr in Profit
						Crossed ₹ 2,00,000 Cr
					2015	in Assets & ₹ 2000 Cr Profit
							2022
				Crosses ₹ 1 lakh cr		Crossed ₹ 2,50,000 Cr in Assets
				in portfolio			2017
		2011
					Crossed ₹ 150,000 cr in
		Crossed ₹
				2013	assets
		50,000 Cr loan

		Crossed ₹ 1000 cr profit &
	2007	portfolio
			₹ 75,000 Cr assets

Launch of Fixed		2009

Deposit Program
Crossed ₹ 500 crs profit
"Sanchay Deposit"2004

2002		GDR Issue
AAA Rating
	1994
1989	IPO

Incorporated	2

Awards & Achievements

2023

-"Winner of

Indian Chamber

of Commerce

Social Impact

Awards 2023

under

Empowering the

Rural Population"

category

2022

-"Best Organisation

for Women 2022"

award by 'The

Economic Times'

-"BEST CSR"

Award in

the 11th Edition of

Global CSR

Excellence &

Leadership Awards

2019

- Voted as the 'Brand of the Decade 2019' by BARC Asia

- NSE for Best Issuer on EBP

2024

"Best CSR Team

of the Year and

Best Use of CSR

Practices in

Various Sectors"

in UBS Forums'

10th Edition CSR

Summit and

Awards 2024

2017

- Outlook Money-

Best HFC'

Business Today BFSI Best CEO
NSE for highest Debt Issuance

2024

"Winner of the

Corporate

Bond Private

Placement-

Private Issuer of the Year" by "Assocham"

2015

Best Housing Finance Co. by BFSI Awards
- Best data quality in HFC

by CIBIL

2016

- Outlook Money-

Best HFC

Best HFC by ABP News
- Asia Pacific Entrepreneurship Award

-Power Brands

Awards by

Franchise India

Shareholding Pattern

December 2024

MFs & others 23.27%

LIC

45.24%

Public 9.77%

FII & other Overseas Investor 21.72%

Top 10 Shareholders

Shareholder	%

Life Insurance Corporation of India	45.24%

Kotak Mahindra Asset Management Company Limited	4.05%

Mirae Asset Global Investments (India) Pvt. Ltd.	2.92%

Norges Bank Investment Management (NBIM)	2.51%

Bank Muscat SAOG	2.09%

Aditya Birla Sun Life AMC Limited	1.80%

The Vanguard Group, Inc.	1.68%

Tata Asset Management Ltd.	1.63%

HDFC Asset Management Co., Ltd.	1.37%

ICICI Prudential Asset Management Co. Ltd.	1.36%

Executive Summary - Q3 FY 2025

Q3 FY25 PAT at Rs.1431.96 cr as against Rs 1162.88 cr, up by 23%
Q3 FY25 Total Revenue from operations Rs.7057 cr as against Rs.6792cr,up by 4%.
Outstanding Loan portfolio up by 6% to Rs.299144 cr
- Individual Home Loan Portfolio up by 7% to Rs. 254652 Cr
Q3FY 25 Loan Disbursements Rs.15475 cr against Rs.15184 cr, up by 2%
- Individual Home Loan Disbursements Rs.12248 cr as against Rs.12868 cr.
Net Interest Income Rs.2000 cr as against Rs. 2097 cr .
Net Interest Margins 2.70 % for Q3 FY25 as against 3.00 % for Q3 FY24.
Stage 3 EAD at 2.75 % as against 4.26 % as on 31.12.2023.
Total ECL provision stood at Rs.4974 Cr as on 31.12.2024.
During the quarter, the Company has done technical write off of Rs.174 cr.
The Company also concluded a sale of a stressed exposure through ARC for a cash consideration of Rs. 250 Cr. during the quarter.

Update- Last 5 Years

Update - last 5 years

Disbursement (Rs. Cr) CAGR 6%

			55223	61848	64115	58937
60000	46936

50000

40000

30000

20000

10000

0
2020	2021	2022		2023		2024

Loan Portfolio (Rs.cr) CAGR 8%

300000	210578	232003	251120	275047	286844
250000


200000

150000

100000

50000

0
2020	2021		2022		2023	2024

Income (Rs. cr) CAGR 8%

						27235
25000		19670	19848	19953	22674


20000

15000

10000

5000

0

2020	2021	2022	2023	2024

Profit After Tax (Rs. cr) CAGR 19%

5000								4765
4000					2734	2288	2891

3000		2401

2000


1000

0

2020	2021	2022	2023	2024

Update- Last 5 Years	Update - last 5 years

Stage 3- EAD%

5%					4.12%	4.64%	4.37%


4%		2.86%						3.31%



3%



2%

1%
2020	2021	2022	2023	2024

Operating Expense to Total Income

5%					3.53%	4.75%	4.36%	4.21%

	3.14%
0%

2020	2021	2022	2023	2024

*ECL Provisions of Stage 1,2 and 3

Total Provisions* (Rs cr)

7500						7230	6270
6000					5839
				3971

4500		2612


3000


1500

0
2020	2021	2022	2023	2024

Profit per employee (Rs. lacs)

200							198.48


150	100.41	112.66	92.73		117.43



100
50

0

2020	2021		2022	2023		2024

Update- Last 5 Years

Update - last 5 years

EPS (Rs) (Rs 2/- pd up)

100						86.63

75		47.59	54.18	43.14	52.56


50

25

0
2020	2021	2022	2023	2024

Book Value (Rs)(Rs 2/- pd up)

600		360.47	402.35	414.88	492.38	570.40
400




200

0
2020	2021	2022	2023	2024

Return on Avg Equity

20%	14.00%	14.00%	16.00%


	11.00%	12.00%

10%




0%

2020

2021

2022

2023

2024

Return on Avg Loan Assets

2%							1.70%


		1.18%	1.24%			1.10%

					0.95%
1%


0%

2020	2021	2022	2023	2024

Large geographic presence Large geographic presence

			Corporate office
			Regional offices
			Back offices
Amritsar	Jalandhar	Shimla	Operating offices

9 Regional Offices
23 Back Offices
44 Cluster Offices

Ludhiana	Chandigarh
Ambala
Bhatinda	Dehradun
HisarPatiala
Noida
Karnal
Meerut	Haldwani

Gurgaon	New Delhi	Gangtok
Faridabad	Ghaziabad

307 Area Offices
Rep office in Dubai

Bikaner

Jaipur

Agra

Bareilly

Gorakhpur

Siliguri

Guwahati

• Coverage of more than 450 centres

Jorhat

Jodhpur

Kota

Ajmer

Lucknow

Malda

Udaipur

Kanpur

Silchar

•

2545 Employees

Varanasi

Dhanbad

Behrampur

Ahmedabad

Patna

Gwalior

Gandhidham

Allahabad

Ranchi

Durgapur

Bhopal

Widening footprint…improved efficiencies

Bilaspur

Jabalpur

Vadodara

Indore

Jamshedpur

Kolkata

Rajkot

Rourkela

Surat

Jalgaon

Nagpur

Raipur

Vapi

Durg-Bhilai

Cuttack

Year

No of

No of Back

No of

Lon

Nallasopara

Nasik

Aurangabad

Bhubaneshwar

Kalyan

Thane

Warangal

Marketing

offices

Regional

Employees

Portfolio

Pune

Hyderabad

Mumbai

Jogeshwari

Visakapatnam

Vashi

Gulburga

Rajahmundry

Offices

Rs cr

Belgaum

Kakinada

Kolhapur

Vijayawada

Satara

Kurnool

Panjim

Anantapur

Guntur

Hubli

Bellary

Nellore

2008

125

985

21936

Tirupati

Bengaluru

Mangalore

Hosur

Chennai

Mysore

Hassan

Vellore

2013

194

1446

77812

Coimbatore

Kannur

Salem

Thrissur

Erode

Kozhikode

Tiruchirapalli

2020

282

2392

210578

Ernakulam

Pondicherry

Palghat

Thanjavur

Kottayam

Madurai

Thiruvananthapuram

Tirumangalam

2024

310

2401

286844

Nagercoil

Kollam

Distribution Network

307

Marketing Offices

HOME LOAN AGENTS (HLAs)

(Agents of LIC)

DIRECT SALES AGENTS (DSAs)

(Small Firms/Companies etc)

CUSTOMER RELATIONS

ASSOCIATES (CRAs)

(Individual Agents of the Company)

46 branches of LICHFL Financial Services

(100% subsidiary of LICHFL)

		DIRECT MARKETING EXECUTIVES
New Marketing Channel
	(Captive Marketing Channel)

*Online Loan approvals during 9MFY25 were
Rs.2255 Cr

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LIC Housing Finance Limited published this content on January 31, 2025, and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on January 31, 2025 at 13:38:05.229.

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LIC Housing Finance : INVESTOR UPDATE Q3 FY 2024-2025

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