LHLIC Housing Finance500253Quarterly results

Q2 FY27: profit after tax Rs. 1508.78 Cr, up 11%; disbursements Rs. 18127 crs

LIC HFL declares Q2 FY27 results (quarter ended Sep 30, 2026).

By ScoutQuest · Fri 30 Oct 2026, 9:42 PM IST · 2 min read

Profit after tax

Rs. 1508.78 Cr, up 11% year on year

Total disbursements

Rs. 18127 crs

Net interest margin

2.58% (2.62% in the same quarter last year)

The board of the company approved its unaudited results for the quarter ended September 30, 2026, and released the numbers on October 30, 2026.

How the quarter looked

• Profit after tax: Rs. 1508.78 Cr, up 11% over the same quarter last year.
• Total disbursements (fresh loans given): Rs. 18127 crs.
• Outstanding loan portfolio (total loans still on the books): Rs. 326173 crs.
• Net interest margin (the gap between what it earns on loans and pays on borrowings): 2.58%.

Where the book sits

• Retail loans, the home-loan core of the business, stood at Rs. 316433 crs as on September 30, 2026.
• This means the large majority of the loan book is retail, with project loans forming the smaller part.

Margin and asset quality

• Net interest margin of 2.58% compares with 2.62% in the same quarter a year earlier, so the spread the company earns narrowed slightly.
• Stage 3 exposure, which shows the share of loans that have turned into defaults, was 2.05% of the book as on September 30, 2026.

What management said

The Managing Director and CEO, Shri. Sandeep Kumar, said the housing finance sector has remained resilient with stable demand in the retail housing segment. He said the quarter reflects continued focus on sustainable growth, customer-centricity and operational efficiency, and that the priority remains to strengthen market presence while making homeownership accessible to a wider set of customers. He added that borrower sentiment is expected to remain positive, supported by the strength of the Indian economy, favourable demographics and the government's ongoing focus on housing.

What a retail investor can take away

• Profit and disbursements both moved in the same direction, and the loan book expanded, which is a sign of business momentum.
• The slight easing in net interest margin is worth tracking in coming quarters, since it affects how much the company keeps from each rupee of lending.
• The Stage 3 figure gives a simple read on how much of the book has slipped into default; the company reports provisioning on an expected credit loss basis under IndAS 109.
• The company describes itself as the largest housing finance company in India, with a wide branch network and a representative office in Dubai.

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