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Investor Update Q1 FY 2026
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1989 1994 2002 2004 2009 2011 2013 2015 Incorporated IPO AAA Rating GDR Issue Crossed ₹ 500 crs profit Crossed ₹ 50,000 Cr loan portfolio Crossed ₹ 1000 cr profit & ₹ 75,000 Cr assets Crosses ₹ 1 lakh cr in portfolio 2017 2019 Crossed ₹ 150,000 cr in assets 2 Crossed ₹ 2,00,000 Cr in Assets & ₹ 2000 Cr Profit 2022 Crossed ₹ 2,50,000 Cr in Assets LICHFL: A Journey of 36 Years…… 2007Launch of Fixed Deposit Program “Sanchay Deposit” 2024 Crossed Rs. 4000 Cr in Profit 2025 Crosses ₹ 3 lakh cr in portfolio & ₹ 5000 Cr Profit
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3 L: Y Awards & Achievements 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 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 2017 - Outlook Money- Best HFC’ - Business Today BFSI Best CEO - NSE for highest Debt Issuance 2019 - Voted as the ‘Brand of the Decade 2019’ by BARC Asia - NSE for Best Issuer on EBP 2022 -“Best Organisation for Women 2022” award by ‘The Economic Times’ -"BEST CSR" Award in the 11th Edition of Global CSR Excellence & Leadership Awards 2023 -“Winner of Indian Chamber of Commerce Social Impact Awards 2023 under Empowering the Rural Population” category
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4 Shareholding Pattern LIC 45.24% FII & other Overseas Investor 20.78% Public 9.89% MFs & others 24.09% June 2025 Shareholder % Life Insurance Corporation of India 45.24% ICICI Prudential Asset Management Co. Ltd. 3.96% Kotak Mahindra Asset Management Company Limited 3.95% Mirae Asset Global Investments (India) Pvt. Ltd. 2.42% Norges Bank Investment Management (NBIM) 2.29% Bank Muscat SAOG 2.09% The Vanguard Group, Inc. 1.71% Aditya Birla Sun Life AMC Limited 1.30% HDFC Life Insurance Company Limited 1.27% Tata Asset Management Ltd. 1.18% Top 10 Shareholders as on 31.07.2025
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5 Q1 FY26 PAT at Rs. 1359.92 cr as against Rs 1300.21 cr, up by 5% Q1 FY26 Total Revenue from operations Rs.7233 cr as against Rs.6784 cr, up by 7% Outstanding Loan portfolio up by 7% to Rs. 309587 cr Individual Home Loan Portfolio up by 7% to Rs. 262411 Cr Q1FY 26 Loan Disbursements Rs.13116 cr against Rs. 12915 cr Individual Home Loan Disbursements Rs.11247 cr as against Rs.10932 cr Net Interest Income Rs.2065.78 cr for Q1 FY26 as against Rs.1989.08 cr for Q1 FY25,up by 4% Net Interest Margins 2.68 % for Q1 FY26 as against 2.76% for Q1 FY25 Stage 3 EAD at 2.62 % as on 30.06.2025 as against 3.30 % as on 30.06.2024 Total ECL provision stood at Rs. 5051 Cr as on 30.06.2025 PCR (Stage III) stands at 50.81% Executive Summary – Q1 FY 26
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6 Disbursement (Rs. Cr) CAGR 4% Profit After Tax (Rs. cr) CAGR 19%Income (Rs. cr) CAGR 9% Loan Portfolio (Rs.cr) CAGR 7% Update – last 5 years 232003 251120 275047 286844 307732 0 50000 100000 150000 200000 250000 300000 350000 2021 2022 2023 2024 2025 19848 19953 22674 27235 28056 0 5000 10000 15000 20000 25000 30000 2021 2022 2023 2024 2025 2734 2288 2891 4765 5429 0 1000 2000 3000 4000 5000 6000 2021 2022 2023 2024 2025 55223 61848 64115 58937 64022 0 10000 20000 30000 40000 50000 60000 2021 2022 2023 2024 2025 Update- Last 5 Years
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7 Stage 3- EAD% Operating Expense to Total Income Total Provisions* (Rs cr) Profit per employee (Rs. lacs) *ECL Provisions of Stage 1,2 and 3 Update – last 5 years 3971 5839 7230 6270 4899 0 1500 3000 4500 6000 7500 2021 2022 2023 2024 2025 112.66 92.73 117.43 198.48 213.57 0 50 100 150 200 250 2021 2022 2023 2024 2025 3.53% 4.75% 4.36% 4.21% 4.93% 0% 5% 2021 2022 2023 2024 2025 Update- Last 5 Years 4.12% 4.64% 4.37% 3.31% 2.47% 1% 2% 3% 4% 5% 2021 2022 2023 2024 2025
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8 EPS (Rs) (Rs 2/- pd up) Return on Avg Equity Book Value (Rs)(Rs 2/- pd up) Return on Avg Loan Assets Update – last 5 years 54.18 43.14 52.56 86.63 98.70 0 25 50 75 100 125 2021 2022 2023 2024 2025 402.35 414.88 492.38 570.40 659.09 0 200 400 600 800 2021 2022 2023 2024 2025 1.24% 0.95% 1.10% 1.70% 1.83% 0% 1% 2% 2021 2022 2023 2024 2025 14.00% 11.00% 12.00% 16.00% 16.00% 0% 10% 20% 2021 2022 2023 2024 2025 Update- Last 5 Years
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• 10 Regional Offices • 23 Back Offices • 44 Cluster Offices • 307 Area Offices • Rep office in Dubai • 2485 Employees Back offices Operating offices Regional offices Corporate office Nagercoil Thiruvananthapuram Kottayam Ernakulam Kozhikode Thrissur Tirumangalam Madurai Thanjavur Pondicherry Tiruchirapalli Coimbatore Salem Vellore ChennaiHosurMysore Mangalore Bengaluru Panjim Vashi Mumbai NelloreHubli Tirupati Bellary Anantapur Kurnool Guntur Kakinada Vijayawada Hyderabad Rajahmundry Visakapatnam Warangal Bhubaneshwar Kolkata Silchar Guwahati Siliguri Gangtok Patna Shimla JalandharAmritsar Ludhiana Chandigarh Dehradun HaldwaniKarnal Bareilly Ghaziabad New Delhi Agra Lucknow Kanpur Jaipur Ajmer Gwalior Bikaner Jodhpur Rajkot Udaipur Ahmedabad Vadodara Indore Bhopal Allahabad Jabalpur Varanasi Ranchi Jamshedpur Rourkela Bilaspur RaipurNagpurJalgaonSurat Vapi AurangabadNasik Kalyan Thane Jogeshwari Pune Kolhapur Belgaum Gulburga Nallasopara Kota Hassan Erode Kannur Kollam Palghat Gandhidham Satara Durg-Bhilai Gorakhpur Meerut Behrampur Cuttack Dhanbad Durgapur Jorhat Malda Gurgaon Faridabad Noida Ambala Bhatinda HisarPatiala Large geographic presence Year No of Marketing Offices No of Back offices No of Regional Offices No of Employees Lon Portfolio Rs cr 2008 125 14 6 985 21936 2013 194 16 7 1446 77812 2020 282 24 9 2392 210578 2025 307 23 9 2542 307732 Widening footprint…improved efficiencies 9 Large geographic presence
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HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (DSAs) (Small Firms/Companies etc) CUSTOMER RELATIONS ASSOCIATES (CRAs) (Individual Agents of the Company) 307 Marketing Offices 46 branches of LICHFL Financial Services (100% subsidiary of LICHFL) Distribution Network 10 DIRECT MARKETING EXECUTIVES (Captive Marketing Channel)New Marketing Channel *Online Loan approvals during FY23 were Rs. Cr Distribution Network *Online Loan approvals during Q1FY26 were Rs.2363 Cr
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89% 11% Customer Type (No.) Salaried Self Employed 56% 20% 3% 6% 1% 14% Originations by source HLA DSA CRA DIRECT DME Corporate Agent ₹ 21.0 ₹ 22.0 ₹ 23.0 ₹ 24.0 ₹ 25.0 ₹ 26.0 ₹ 27.0 ₹ 28.0 ₹ 29.0 ₹ 30.0 ₹ 31.0 ₹ 32.0 Q1FY25 Q1FY26 Incremental Ticket Size (Rs lacs) 44% 83 Offices 56% 224 Offices Top 8 cities & Others Top 8 cities Others 11 Origination Pattern & Average Ticket Size Origination Pattern & Average Ticket Size
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Loan Book Composition 30.06.2024 O/s Portfolio Rs. 288665 cr Individual Home Loans 85.3% Non-Housing Individual 9.9% NHC-Project Loans 2.8% NHC-Others 2.0% 30.06.2025 O/s Portfolio Rs. 309587 cr 12 Individual Home Loans 84.8% Non-Housing Individual 10.7% NHC-Project Loans 2.9% NHC-Others 1.6% Loan Book Composition
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13 Installment to Net Income Ratio On Incremental Sanctions For FY24 31% For FY25 43% For Q1FY26 42% Loan To Value Ratio On Incremental Sanctions For FY24 52% For FY25 50% For Q1FY26 50% Pure Floating Rate Loans To Outstanding Portfolio As of FY24 99% As of FY25 99% As of Q1FY26 99% Prepayment Lump Sum/ opening book For FY24 10.4% For FY25 9.4% For Q1FY26 9.8% Individual Loans – Portfolio Stats Individual Loans – Portfolio Stats
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14 Financial Highlights Q1FY2026 Q1FY2025 Return on Average Equity (%) 15% 16% Return on Average Assets (%) 1.76% 1.81% Earnings per share (on Rs 2 pd up) 24.72 23.64 Capital Adequacy Ratio Tier I Tier II Total March 2025 21.70 1.50 23.20 March 2024 19.19 1.59 20.78 Financial Highlights
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15 Executive Summary-Q4/FY23 Particulars Var Q1 FY2026 (Rs. Cr) Q1 FY2025 (Rs. Cr) Revenue from Operations 7% 7233.13 6783.67 Finance cost 6% 5047.28 4750.05 Net Interest Income 4% 2065.78 1989.08 Impairment on Financial Instruments 35% 192.87 143.09 Profit before Tax 4% 1699.16 1628.43 Tax Expense 3% 339.24 328.22 Net Profit 5% 1359.92 1300.21 Executive Summary – Q1/FY26
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Executive Summary – Q4/FY23 Particulars Var Q1 FY2026 Q1 FY2025 Disbursements Individual Housing Loan (IHL) 3% 11247 10932 Non-Housing Individual (NHI) 18% 1647 1394 Non-Housing Commercial (NHC) -3% 66 68 Project Finance (PF) -70% 156 521 Total 2% 13116 12915 Outstanding Portfolio Individual 7% 300637 280566 Project 10% 8950 8099 Total 7% 309587 288665 Net Interest Margins(%) 2.68% 2.76% Weighted average cost of funds 7.50% 7.76% Yield on advances annualised 9.60% 9.83% Spreads 2.10% 2.07% Rs. cr Executive Summary – Q1/FY26
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Outstanding Borrowings – Rs. 270933 crSource Wtd Avg Cost (%) Bank / NHB 7.13% Non Convertible Debenture 7.74% Tier II 7.30% Commercial Paper 7.46% Deposits 7.56% PTC 7.51% Total 7.50% as on 30.06.2025 Liability Profile During Q1 FY26, Incremental Cost of Funds was 6.97% Bank 31% NCD 55% NHB 5% Others 5% Deposits 4% 17 Liability Profile
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18 Change in Liability Mix- last 4 yrs Wtd. Avg. cost of Funds Bank funding has reduced from 32% in FY12 to 25% in FY14. Retail Deposits increased to 2.2% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% FY22 FY23 FY24 FY25 Q1FY26 Others Deposit NHB Bank NCD 6.52% 7.63% 7.76% 7.73% 7.50% Change in Liability Mix- last 4 yrs
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Yield & Cost of Funds on portfolio Q1FY25 Q1FY26 Yield on Advances on Portfolio 9.83% 9.60% Wtd Avg cost of funds on Total Borrowed Funds 7.76% 7.50% 9.83% 9.60% 7.76% 7.50% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 19 Yield & Cost of Funds on portfolio
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20 NIMs 2.51% 3.21% 2.76% 2.68% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% Q1FY23 Q1FY24 Q1FY 25 Q1 FY 26 NIM’s
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21 Classification of Assets Exposure At Default % June-25 June-24 Stage 1 93.80% 92.64% Stage 2 3.58% 4.06% Stage 3 2.62% 3.30% Total 100% 100% ECL Provision June-25 June-24 Stage 1 Rs. 514.19 Cr Rs. 484.34 Cr Stage 2 Rs. 414.09 Cr Rs. 456.45 Cr Stage 3 Rs. 4122.99 Cr Rs. 4729.29 Cr Stage 3-PCR 50.81% 49.72% Classification of Assets
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22 DISCLAIMER This presentation is made purely for information. We have attempted to provide relevant information which we believe will help in knowing the Company. The users may use their own judgment and are advised to make their own calculations before deciding on any matter based on the information given herein. While every care is taken to verify the accuracy of the information given in this presentation, neither the Company nor its officials would in any way be liable for any action taken or not taken by the viewers or the users of this presentation or for any claims, losses etc. Thank you