LIC Housing Finance Limited (LICHSGFIN) Earnings Call Transcripts

LIC Housing Finance Limited's Latest Earnings Call - Q4 FY2026

In Q4 FY '26, LIC Housing Finance Limited reported total revenue from operations of INR 7,194 crores, a decrease from INR 7,281 crores year-over-year. The company achieved a profit after tax of INR 1,497.41 crores, reflecting a 9.46% increase compared to the previous year. Management provided a cautious outlook, targeting a loan book growth of 10% to 12% for FY '27, contingent on geopolitical stability and economic conditions, while maintaining net interest margins between 2.5% and 2.7%.

Reported metrics

Guidance from management

Management expects loan book growth of 10% to 12% for FY '27, with a cautious outlook based on geopolitical stability. They aim to maintain net interest margins between 2.5% and 2.7%.

What management said

Yes. My successor has been identified. In fact, a very unfortunate incident took place. The successor was identified earlier only passed away on the ninth of May. Mr. Sanjay Dayal was the appointed and designated to take over from me, on the ninth of May he passed away. Now we have another successor in place. Mr. Sandeep Kumar. He has joined us just yesterday, and he will be taking over from me on 31st of August 2026...

If I talk about the prepayment, yes, prepayment is a natural phenomenon in the housing finance industry, right, along with every EMI, some amount of principal does come in and then people having extra cash or extra money to spare, they do try to pair off their outstanding loans. So if I talk about the last quarter, the prepayment has basically been here on an average in the company, the prepayment is about, what, INR...

What analysts pressed on

Analysts expressed concerns regarding the competitive landscape and the impact of rising interest rates on margins. There were also questions about the sustainability of growth given geopolitical uncertainties and the potential impact of AI on employment in key markets.

Main topics on the call

• Revenue Decline — Total revenue from operations decreased to INR 7,194 crores from INR 7,281 crores year-over-year, indicating a challenging environment for the company. Management noted, "Growth in last year has been muted, 4.4% towards ...
• Profit Growth — Profit after tax rose to INR 1,497.41 crores, up 9.46% year-over-year. This growth reflects the company's ability to manage costs and maintain profitability despite revenue challenges.
• Loan Growth Guidance — Management provided a growth target of 10% to 12% for the loan book in FY '27, contingent on geopolitical stability. They stated, "Q1, definitely, we are targeting a 15% growth for Q1... a 10% to 12% growth is what I am ...
• Net Interest Margin Outlook — Net interest margin for Q4 was reported at 2.80%, with management guiding for a range of 2.5% to 2.7% for FY '27. They indicated, "We will be looking at maintaining the NIM at this level."

Read the full LIC Housing Finance Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 23 LIC Housing Finance Limited earnings call transcripts on record, spanning January 31, 2020 to July 31, 2026. Based on this history, LIC Housing Finance Limited reports quarterly. The most recent call on file is dated July 31, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

LICHSGFIN

Exchange

NSEI

Country

IN

Sector

Financials

Industry

Financial Services

Calls on record

23

First call

January 31, 2020

Most recent

July 31, 2026

Reporting cadence

quarterly