Interim report
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Ref. LICHFI/CS/FY25-26/Ql Result The Manager, Listing Department, National Stock Exchange of India Ltd., Exchange Plaza, 5th Floor, Plot No. C/1, G Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051 Scrip ID: LICHSGFIN EQ Email: cmlist@nse.co.in Dear Sir/Madam, 1lucHFL LIC HOUSING FINANCE LTD 1st August, 2025 The General Manager, Department of Corporate Services-Listing Dept., BSE Limited, 25u, Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400 001. Scrip Code: 500253 Email: corp.relations@bseindia.com SUB: Disclosure Under Regulation 30 Outcome of Board meeting held on August 1 , 2025 Meeting Commenced at 02:00 P.M. and concluded at 7:40 P.M. Submission of Unaudited Financial Results for the first quarter ended on June 30, 2025 Please refer to our letter Ref.:LICHFL/CS/noticebm dated 23rd July, 2025 regarding intimation of Board Meeting for considering Unaudited Financial Results for the first Quarter ended 3ou, June, 2025. In this c01mection, please find the outcome of the Meeting as under: 1) Unaudited Financial Results for the First quarter ended 30th June, 2025. Pursuant to Regulation 30, 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ('Listing Regulations'), as amended, the board of Directors at its Meeting held today 1st August, 2025 has inter-alia, considered and approved the Statements of unaudited Financial Results (Standalone and Consolidated) of the Company for the first quarter ended June 30, 2025, duly reviewed and recommended by the Audit Committee. In this regard, the Company has submitted the following documents. Sr. No. Particulars 1 Unaudited Financial Results for the first quarter ended June 30, 2025, along with the Auditor's report issued by M/s SGCO & Co. LLP, Chartered Accountants and M/s Khandelwal Jain & Co., Chartered Accountants, Joint Statutory Auditors of the Company. 2 Additional disclosure of ratio/ equivalent financial information pursuant to Regulation 52(4) and 54 of Listing Regulations CIN NO.: L65922MH1989PLC052257 Website: www.lichousing.com Corporate Office: UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floo r, Cuffe Parade, Mumbai 400 005 Tel:+ 91 22 2217 8600, Fax:+9122 22 17 8777, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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ftucHFL LIC HOUSING FINANCE LTD 3 Security Cover Certificate from Joint Statutory Auditors pursuant to Regulation 54(2) & (3) of Listing Regulations. 4 Statement of utilisation of issue proceeds (as per Regulation 52(7) of the SEBI (LODR) Regulations, 2015 and Statement of deviation(s) or variation(s) in the use of issue proceeds of non-convertible debentures pursuant to Regulation 52(7 A) of the said regulations. 5 A 'Nil' statement of deviation or variation in the prescribed format as required under Regulation 32 of Listing Regulations 6 A quarterly certificate from the CEO/ CFO certifying that CP proceeds are used for disclosed purposes, and adherence to other listing conditions, Regulation 10, Part II of Chapter XVII - Listing of Commercial Paper of SEBI Master Circular SEBI/HO/DDHS/PoDl/P/CIR/2024/54 dated May 22, 2024. 2) Intimation of Change of address Registered Office Pursuant to Regulation 30 of SEBI (LODR) we would like to inform you that in order to improve administrative convenience and align with the operational headquarters, the Board of Directors has approved the Shifting of the Registered Office of the Company from the current address at Bombay Life Building 2nd Floor, 45/ 47 Veer Nariman Road, Fort, Mumbai to the new address at 131, Maker Tower-F, 13th Floor, Cuffe Parade, Mumbai - 400005 with effect from 2nd August, 2025. 3) 36th Annual General Meeting(AGM) The Board of Directors of the Company in its meeting held on today, at 02:00 PM decided that the 36th Annual General Meeting (AGM) of the Members of the Company will be held on Friday, 29th August, 2025 at 3.30 p.m. through Video Conference ('VC') / Other Audio Visual Means ('OAVM'), the proceedings of AGM deemed to be conducted at the Registered Office of the Company situated at 131, Maker Tower-F, 13th Floor, Cuffe Parade, Mumbai - 400005, Maharashtra, in compliance with the applicable provisions of the Companies Act, 2013 read with Ministry of Corporate Affairs (MCA), vide its General Circular No. 20/2020 dated 5th May, 2020 read with the subsequent circulars issued from time to time, the latest one being Geneyal Circular No. 09/2024 dated 19th September, 2024 (MCA Circulars) read CIN NO.: L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office : UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel:+ 91 22 2217 8600, Fax:+9122 2217 8777, Email: lichousing@lichousing. com . Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +9122 2204 9682, E-mail: lichousing@lichousing.com.
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tlucHFL LIC HOUSING FINANCE LTD with various circulars issued by Securities and Exchange Board of India (SEBI) all of which allows the companies to conduct the AGM through Video Conferencing (VC) or Other Audio Visual Means (OA VM). 4) Record Date for the purpose of ascertaining the eligibility of members for payment of final dividend for F.Y. 2024-25 The Board has fixed Friday, August 22, 2025 as the Record Date for the purpose of ascertaining the eligibility of members for payment of final dividend for F.Y. 2024-25. The final dividend, if approved by the members in the 36th AGM, will be paid to the eligible members within the stipulated period of 30 days from the date of AGM. Members may note that the Income Tax Act, 1961, as amended by the Finance Act, 2020, mandates that dividends paid or distributed by a company is taxable in the hands of members. The Company shall therefore be required to deduct tax at source ("TDS") at the time of making the payment of dividend. In order to enable the Company to determine the applicable TDS rate, members are requested to submit the relevant documents within Monday, 25th August, 2025. 5) Constitution of the Review Committee of the Board for Identification of Wilful Defaulter of the UC Housing Finance Limited Pursuant to the requirements of the Master Direction on Treatment of Wilful Defaulters and Large Defaulters issued by the Reserve Bank of India vide circular no. DoR.FIN.REC.No.31/20.16.003/2024-25 dated July 30, 2024, the Board has constituted this Committee to be named as the Review Committee of the Board For Identification of Wilful Defaulter ("Review Committee"). TERMS OF REFERENCE The Review Committee shall have, inter alia, the following roles and responsibilities: (i) To review the proposal of classification of a borrower as wilful defaulter made by the Identification Committee, upon receipt of written representation from the borrower. (ii) To examine the findings of the Identification Committee, the representation of the borrower, and all material on record to arrive at an independent and objective conclusion. (iii) To pass a reasoned order either confirming or revoking the classification of the borrower as wilful defaulter, strictly based on documentary evidence and without granting a personal hearing to the borrower. (iv) To ensure compliance with Clause 6.3 of tl1e RBI Master Direction and any subsequent CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office : LIC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel:+ 91 22 2217 8600, Fax:+9122 2217 8777, Email: lichousing@lichousing.com. Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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SucHFL LIC HOUSING FINANCE LTD regulatory requirements issued in this regard. The aforesaid documents are also being uploaded on the website of the Company i.e., https://www.lichousing.com/and the said results will also be published in the newspapers, in the format prescribed under Regulation 47 of the listing regulations. This is for your information and records. Thanking you, Yours faithfully, For LIC Housing Finance Limited Varsha Hardasani Company Secretary & Compliance Officer ACS: 50448 Encl.: a/a. CIN NO.: L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office: UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel :+ 9122 2217 8600, Fax:+9122 2217 87 77, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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fl11c HFL LIC HOUSING FINANCE LTD UC HOUSING FINANCE LIMITED STATEMENT OF UNAUDITED STANDALONE FINANCIAL RESULTS FOR THE QUARTER ENDED 30/06/2025 (? in Crore) Particulars Quarter Ended Year Ended 30-06-2025 31-03-2025 30-06-2024 31-03-2025 Reviewed Audited Reviewed Audited 1 Revenue from operations a.Interest Income 7,113.06 7,117.28 6,739.13 27,661.46 b.Fees and commission Income 10.56 6.08 13.50 37.09 c.Net Gain on De-recognition of Financial Instruments 2.82 1.97 3.80 9.86 under Amortised Cost Category d. Net gain on fair value changes 22.69 19.24 21.38 66.95 e.Others 84.00 138.76 5.86 274.78 Total Revenue from operations 7,233.13 7,283.33 6,783.67 28,050.14 Other Income 0.01 0.04 0.02 6.08 Total Income 7,233.14 7,283.37 6,783.69 28,056.22 2 Expenses a.Finance Costs 5,047.28 4,950.84 4,750.05 19,531.95 b.Fees and Commission Expenses 20.36 57.71 19.91 138.06 c.Impairment on Financial Instruments 192.87 109.38 143.09 285.83 cl.Employee Benefits Expenses 159.54 176.12 151.10 701.90 e.Depreciation, amortisation and Impairment 23.89 25.42 21.62 93.93 £.Other expenses 90.04 194.32 69.49 448.74 Total Expenses 5,533.98 5,513.79 5,155.26 21,200.41 3 Profit BeforeTax (1-2) 1,699.16 1,769.58 1,628.43 6,855.81 4 Tax Expense 339.24 401.62 328.22 1,426.79 5 Profit After Tax (3-4) 1,359.92 1,367.96 1,300.21 5,429.02 6 Other Comprehensive Income/ (Loss) A (i) Items that will not be reclassified to profit / Loss 0.01 (89.22) (1.70) (95.96) (ii) Tax impact on above (0.00) 22.45 0.43 24.15 Subtotal (A) 0.01 (66.77) (1.27) l71.81) B (i) Items that will be reclassified to profit / Loss - - - - (ii) Tax impact on above - - - - Subtotal (B) - - - - Other Comprehensive Income/ (Loss) (A+ B) 0.01 /66.771 (1.27] l71.81l 7 Total Comprehensive Income (5+6) 1,359.93 1,301.19 1,298.94 5,357.21 8 Paid-up Equity Share Capital (face value< 2/-) 110.08 110.08 110.08 110.08 9 Earnings Per Share (EPS) on (face value of< 2/-) Basic and Diluted Earning Per Share(<) 24.72 24.87 23.64 98.70 (The EPS for the Quarters are not aimualised) 10 Reserves excluding Revaluation Reserves as at - 36,146.70 - - March 31 CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office: LIC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousing@lichousing. com. Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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ftucHFL LIC HOUSING FINANCE LTD Notes to the Standalone Financial Results: 1 The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard, notified under Section 133 of the Companies Act, 2013 read with Companies (Indian Accounting Standards) Rules, 2015, as amended from time to time, and other accounting principles generally accepted in India and in compliance with Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. Any application guidance / clarifications / directions issued by the Reserve Bank of India (RBI), the National Housing Bank (NHB) or other regulators are implemented as and when they are issued / become applicable. 2 The main business of the Company is to provide loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business and accordingly there are no separate reportable segments, as per the Ind AS 108 - Operating Segments. 3 During the quarter the Company has assigned the receivables under securitization amounting to � 1,112.05 Crore in accordance with Master Direction - RBI (Securitisation of Standard Assets) Directions, 2021 - RBI/DOR/2021-22/85 DOR.STR.REC.53/21.04.177 /2021- 22 dated September 24, 2021. 4 There are no loans transferred / acquired during the quarter ended June 30, 2025 under the RBI (Transfer of Loan Exposures) Direction, 2021 - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated September 24, 2021. 5 The Secured listed non-convertible debt securites of the Company are secured by a negative lien on the assets of the Company (excluding current and future receivables and book-debt of whatsoever nature of the Company on which a first pari-pasu floating charge by way of hypothecation to secure the borrowings of the company outstanding as on March 31, 2015 and the unavailed sanctions of the term loans, cash credit and refinance as on March 31, 2015), with a minimum Security cover of 100%. In addition to above the Debentures would be secured by mortgage on an Immovable Property owned by the Company. Security cover for NCO issued by the company is 1.21 times as at June 30, 2025. 6 Disclosures in compliance with Regulation 52(4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the quarter ended June 30, 2025 is attached as Annexure 1. 7 In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above results for the quarter ended June 30, 2025 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on August 01, 2025. The above results have been subjected to Limited Review by the Joint Statutory Auditors of the Company. 8 The figures for the quarter ended March 31, 2025 arc the balancing figures between audited figures in respect of the full financial year for 2024-25 and published unaudited year to date figures upto the third quarter ended December 31, 2024. 9 The figures for the previous periods/year have been regrouped wherever necessary in order to make them comparable. F"' and J§:• BnMd Place: Mumbai Mana Date : August 01, 2025 CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office : LIC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousing@lichousing.com. Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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a) b) c) d) e) f) g) h) i) j) 1lucHFL LIC HOUSING FINANCE LTD Annexure 1 Disclosures in compliance with Regulations 52(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 for the quarter ended June 30, 2025. Particulars For the quarter For the quarter ended ended June 30, 2025 June 30, 2024 Debt equity ratio = [Debt Securities + Borrowings (other than debt securities) + Subordinated Liabilities+ Deposits) - Cash and cash equivalents] / (Equity share Capital+ 7.71 8.45 Other Equity - Impairment Reserve - Deferred Revenue Expenditue - Intangible Assets - Unrealised Gain - Deferred Tax) Outstanding redeemable preference shares (quantity and value) NA NA Capital redemption reserve / Debenture redemption reserve - Debenture redemption reserve is not required in respect of Privately placed debentures in terms of Rule 18(7)(b)(ii) - - of Companies (Share Capital and Debenture) Rules, 2014. Net worth { 35,934.06 Crore { 30,636.83 Crore Net profit after tax { 1,359.92 Crore { 1,300.21 Crore Earnings per share Basic - { 24.72 Basic - { 23.64 Diluted - { 24.72 Diluted - { 23.64 Total debts to total assets (%) = (Debt Securities+ Borrowings (other than debt securities) 0.88 0.88 + Subordinated Liabilities+ Deposits) / Total Assets. Operating margin(%)= Profit before Tax/ Revenue from Operations. 23.49% 24.01% Net profit margin(%) = Profit after Tax / Total Revenue. 18.80% 19.17% Sector specific equivalent ratios, as applicable. i) Provision Coverage Ratio ("PCR") (%) = Total Impairment loss allowance for stage III/ 50.92% 49.79% Gross Stage III Loans. ii) Gross Non Performing Assets ("GNP A") (%) = Gross Stage III Loans / Gross Loans. 2.62% 3.29% iii) Net Non Performing Assets ("NNPA") (%) = (Gross Stage III Loans - Impairment loss 1.30% 1.68% allowance for Stage III) / (Gross Loans - Impairment Joss allowance for Stage III) iv) Liquidity coverage ratio (%) 177.43% 197.72% Note 1 : The Company, being a Housing Finance Company ('HFC'), disclosure of Debt service coverage ratio, Interest service coverage ratio, current ratio, Long term debt to working capital, Bad debts to Accounts receivable ratio, Current liability ratio, Debtors turnover, Inventory turnover ratio are not relevant as the Company is engaged in financing activities. CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office : UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floo r, Cuffe Parade, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousing@lichou sing.com. Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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SGCO & Co. LLP Chartered Accountants 4A, Kaledonia-HDIL, 2nd Floor, Sahar Rd, Andheri East, Mumbai - 400 069, India Khandelwal Jain & Co. Chartered Accountants 6-B&C, PIL Court, 6th Floor, 111, Maharshi Karve Road, Churchgate, Mumbai - 400 020., India Independent Auditor's Review Report on unau·dited Standalone Financial Results for the quarter ended June 30, 2025 pursuant to the Regulation 33 and Regulation 52 read with Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 as amended Th The Board of Directors of LIC Housing Finance Limited 1. We have reviewed the accom·panying unaudited standalone financial results of LIC Housing Finance Limited ("the Company") for the quarter ended June 30, 2025 ("the Statement") being submitted by the C?mpany pursuapt to the requirements of Regulation 33 and Regulation 52 read with Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, as amended ("the Listing Regulations"). • 2. This Statement, which is the responsibility of the Company's Management and approved by the Company's Board of Directors, has been prepared in acc9rdance with the recognition and measurement principles laid down in Indian Accounting Standard 34 ("Ind AS 34") "Interim Financial Reporting" prescribed under Section 133 of the Companies Act 2013, read with relevant rules issued thereunder and other accounting principles generally accepted in India. Our resp9nsibility is to express a conclusion on the Statement based on our review. 3. We conducted our review of the Statement in accordance with the Standard on Review Engagements (SRE) 2410, "Review of Interim Financial Information Performed by the Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India. This Standard ·requires that we plan and perform the review to obtain moderate assurance as to whether the Financial Statements are free of material misstatement. A review is limited primarily to inquiries of company personnel and analytical procedures applied to financial data and thus provides less assurance than an audit. We have not performed an audit and accordingly, we do not express an audit opinion. Pagel of2
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SGCO & Co. LLP Chartered Accountants Khandelwal Jain & Co .. Chartered Accountants 4. Based on our review ·.conducted as stated in paragraph 3 above, nothing has come to· our attention _that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measur�ment principles laid down in the aforesaid Indian Accounting Standard specified under Section 133 of the Companies Act 2013, read with. relevant rules issued thereunder and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 and Regulation 52 of the Listing Regulations, including the manner in which it is to be disclosed, or that it contains any material misstatement. For SGCO & Co. LLP Chartered Accountants Firm Regn. No. 112081W /W10Q18� Smesh� Partner Membership No.: 044739 UDIN: 25044739BMLAMD4367 Place:" Mumbai Date: August 01, 2025 Page 2 of 2 For Khandelwal Jain & Co. Chartered Accountants. Firm Regn. No. 105049W Shailesh Shah Partner Membership No.: 033632 UD IN:· 25033 63 2 BM MJVF9064 Place: Mumbai Date: August 01, 2025
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ftucHFL LIC HOUSING FINANCE LTD UC HOUSING FINANCE LIMITED STATEMENT OF UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER ENDED 30/06/2025 (tin Crore) Particulars Quarter Ended Year Ended 30-06-2025 31-03-2025 30-06-2024 31-03-2025 Reviewed Audited Reviewed Audited 1 Revenue from operations a.Interest Income 7,121.68 7,124.50 6,746.69 27,689.38 b.Fees and commission Income 16.74 20.21 16.77 63.97 c.Net Gain on De-recognition of Financial Instruments 2.82 1.97 3.80 9.86 under Amortised Cost Category d.Net Gain on Fair Value Changes 24.69 19.86 23.52 71.29 e.Others 84.23 138.98 6.07 275.58 Total Revenue from operations 7,250.16 7,305.52 6,796.85 28,110.08 Other Income - 0.03 - 0.62 Total Income 7,250.16 7,305.55 6,796.85 28,110.70 2 Expenses a.Finance Costs 5,046.01 4,950.02 4,749.32 19,528.36 b.Fees and Commission Expenses 14.75 47.43 16.43 110.93 c. Impairment on Financial Instruments 192.87 109.38 143.09 285.83 d.Employee Benefits Expenses 175.60 194.19 161.05 755.38 e.Depreciation, amortisation and Impairment 24.90 26.41 22.50 97.77 f.Other expenses 91.71 196.89 71.26 456.51 Total Expenses 5,545.84 5,524.32 5,163.65 21,234.78 3 Share of Profit/ (Loss) of Associates 0.28 (1.181 2.27 2.94 4 Profit Before Tax 11-2+3) 1,704.60 1,780.05 1,635.47 6,878.86 5 Tax Expense 340.60 406.43 329.07 1,436.16 6 Net Profit after Tax 14-5\ 1,364.00 1,373.62 1,306.40 5,442.70 7 Other Comprehensive Income A (i) Items that will not be reclassified to profit or loss (0.92) (89.53) (1.74) (96.19) (ii) Tax impact on above 0.23 22.46 0.44 24.14 Subtotal (A) (0.69] 167.07) (1.301 (72.05) B (i) Items that will be reclassified to profit or loss - - - - (ii) Tax impact on above . - - - Subtotal IB\ - - - Other Comorehensive Income (A+ Bl 10.691 (67.07] /1.30l /72.051 8 Total Comprehensive Income (6+7) 1,363.31 1,306.55 1,305.10 5,370.65 9 Net Profit after Tax attributable to: Owners of the Comoanv 1,363.89 1,373.38 1,306.30 5,442.23 Non-Controlling Interest 0.11 0.24 0.10 0.47 10 Other Comprehensive Income attributable to: Owners of the Comoanv /0.69 (67.07 • (1.30' /72.05 Non-Controllins:>: Interest - - - - 11 Total Comprehensive Income attributable to: Owners of the Company 1,363.20 1,306.31 1,305.00 5,370.18 Non-Controlling Interest 0.11 0.24 0.10 0.47 12 Paid-up Eauity Share Caoital (face value � 2/-l 110.08 110.08 110.08 110.08 13 Earnings Per Share (EPS) on (face value of � 2/-)* Basic and Diluted Earning Per Share (�) 24.80 24.97 23.75 98.95 * m1e EPS for the Cluarters are not annualised) Reserves excluding Revaluation Reserves as at 36,241.71 14 March 31 - - - C - � � �G F!tv_ c., 0 & Co � \.�AL J{l1, e;,�� CIN NO. : L 99 M 198. ,a )52257 Webs" �� . I O .com 5 CORPORATE t t orporate 1 •f�t{) Finance Ltd., 131 Mal �<M'ffMB'A� � ses, 13th Floor, Cuffe Pa�-� ��ka· ml 005 C?. Wif.t 1 _t b217 8600, Fax:+91 '. � 217 8777 )FJ. lail: lichousing@lichousing. �) .� R I t \\-o>�� ,~7.,$1) . i���--::.¢,,�'//, - ...eg sere ... ''!§:;JrrJJ;;/_r:-.�.:?' ,g Finance Ltd. Bombay L,i �•Aet�• 45/47, Veer Nariman Rd, Fort, Mum--nar- 400 001. Tel: _ '104 9682 9799 0006 F x: + LrfllJ. - • • • • • • I I , a 9 1 4 9682, E mail. hchous1ng@hchous1ng.com.
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ftucHFL LIC HOUSING FINANCE LTD 1. As per the Ind AS 108 dealing with 'Operating Segments', the main segments and the relevant disclosures relating thereto are as follows: (t' in Crore) Particulars Quarter Ended Year Ended June 30, 2025 Mar 31, 2025 June 30, 2024 Mar31,2025 Loans Segment Revenue 7,233.14 7,283.37 6,783.69 28,056.22 Segment Result 1,699.16 1,769.58 1,628.43 6,855.81 Segment Assets 3,16,257.20 3, 13,926.56 2,93,776.50 3,13,926.56 Segment Liabilities 2,78,640.49 2,77,669.78 2,61,082.93 2,77,669.78 Net Assets 37,616.71 36,256.78 32,693.57 36,256.78 Depreciation, Amortization & Impairment 23.89 25.42 21.62 93.93 Non Cash Expenses other than Depreciation, Amortization & Impairment 192.87 109.38 143.09 285.83 Other Segments Segment Revenue 25.40 42.49 20.03 113.60 Segment Result 4.26 17.43 4.31 36.09 Segment Assets 300.91 305.17 280.01 305.17 Segment Liabilities 95.90 102.36 94.83 102.36 Net Assets 205.01 202.81 185.18 202.81 Depreciation, Amortization & Impairment 1.08 1.06 0.97 4.16 Inter Segment Adjustments Segment Revenue (8.37) (20.30) (6.86) (59.12) Segment Result 1.17 (6.95) 2.73 (13.04) Segment Assets (179.75) (191.34) (158.77) (191.34) Segment Liabilities (76.83) (87.27) (66.46) (87.27) Net Assets (102.89) (104.07) (92.33) (104.07) Depreciation, Amortization & Impairment (0.08) (0.08) (0.09) (0.33) Total Segment Revenue 7,250.16 7,305.55 6,796.85 28,110.70 Segment Result 1,704.60 1,780.05 1,635.47 6,878.86 Share of profit of Associates 0.28 (1.18) 2.27 2.94 Tax Expenses 340.60 406.43 329.07 1,436.16 OCI adjustments (0.69) (67.07) (1.30) (72.05) Share of Profit/ (Loss) of Non-Controlling Interest 0.11 0.24 0.10 0.47 Total Result (Attributable to Owner) 1,363.20 1,306.31 1,305.00 5,370.18 Segment Assets 3, 16,378.37 3,14,040.38 2,93,897.74 3,14,040.38 Segment Liabilities 2,78,659.55 2,77,684.87 2,61,111.32 2,77,684.87 Net Assets 37,718.82 36,355.51 32,786.42 36,355.51 Depreciation, Amortization & Impairment 24.90 26.41 22.50 97.77 Non Cash Expenses other than Depreciation, Amortization & Impairment 192.87 109.38 143.09 285.83 (i) The accounting policies adopted for segment reporting are in line with the policies of the Group. Segment revenue, segment expenses, segment assets and segment liabilities have been identified to segments on the basis of their relationship to the operating activities of the segment. (ii) Transfer prices between operating segments are on an arm's length basis in a manner similar to transactions with (iii) Loans segment comprises of providing finance for purchase, construction, repairs, renovation of house/buildings. (iv) Other Segments comprise of Financial Services segment which involves business of marketing Financial Products and Services on own account as well as for and on behalf of other service providers, Construction Segment which establishes and operates assisted living community centres for elderly citizens in India, Asset Management segment which includes promoting and managing different schemes on behalf of UC Mutual Fund and Trusteeship segment which suoervises activities of LIC Mutual Fund. (v) The Company does not have any material operations outside India and hence, disclosure of geographic segments is (vi) No single customer represen,ts 10% or more of the Company's total revenue for the period ended june 30, 2025. CIN NO. : L6592 Corporate Office Websit ce Ltd., 131 Maker 8600, Fax:+91 22 2 m s, 13th Floor, Cutt -=.:::�::::7.:......_ 400 005 . lichousing@lichous Registered Office: LIC Housing Financ� Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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2 3 4 5 6 7 8 9 SucHFL LIC HOUSING FINANCE LTD Notes to the Consolidated Financial Results: The above financial results represent the Consolidated financial results for UC I-lousing Finance Limited and its subsidiaries constituting the 'Group' . The financial results have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard, notified under Section 133 of the Companies Act, 2013 read with Companies (Indian Accounting Standards) Rules, 2015, as amended from time to time, and other accounting principles generally accepted in India and in compliance with Regulation 33 and 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. Any application guidance / clarifications / directions issued by the Reserve Bank of India (RBI), the National Housing Bank (NHB) or other regulators are implemented as and when they are issued / become applicable. During the quarter the Company has assigned the receivables under securitization amounting to� 1,112.05 Crore in accordance with Master Direction RBI (Securitisation of Standard Assets) Directions, 2021 RBI/DOR/2021-22/85 DORSff i.REC.53/21.04.177 /2021-22 dated September 24, 2021. There are no loans transferred / acquired during the quarter ended June 30, 2025 under the RBI (T ransfer of Loan Exposures) Direction, 2021 - RBI/DOR/2021-22/86 DOR.STR.REC.51/21.04.048/2021-22 dated September 24, 2021. The Secured listed non-convertible debt securites of the Company are secured by a negative lien on the assets of the Company (excluding current and future receivables and book-debt of whatsoever nature of the Company on which a first pari-pasu floating charge by way of hypothecation to secure the borrowings of the company outstanding as on March 31, 2015 and the unavailed sanctions of the term loans, cash credit and refinance as on March 31, 2015), with a minimum Security cover of 100%. In addition to above the Debentures would be secured by mortgage on an Immovable Property owned by the Company. Security cover for NCO issued by the company is 1.21 times as at June 30, 2025. In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above results for the quarter ended June 30, 2025 have been reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their meeting held on August 01, 2025. The above results have been Audited / Limited Reviewed by the Joint Statutory Auditors of the Company. The figures for the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the full financial year for 2024-25 and published unaudited year to date figures upto the third quarter ended December 31, 2024. The figures for U1e previous periods / year have been regrouped wherever necessary in order to make them comparable. Place : Mumbai Date : August 01, 2025 Fo, .,, �•"'"Boom � ari Managing Director & CEO DIN: 10229197 CIN NO. : L65 922MH198 9PLC052257 Website : www.lichousing.com Corporate Office : UC Housing Finance Ltd., 131 Maker Tower "F" Premises , 13th Floor , Cuffe Parade , Mumbai 400 005 Tel:+ 9122 2217 8600 , Fax:+9122 2217 87 77, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir. , 45/4 7, Veer Nariman Rd , Fort, Mumbai - 400 001. Tel: + 9122 2204 9682 /9 799 /0006 , Fax: +91 22 2204 9682 , E-mail: lichousing@lichousing.com.
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SGCO & Co. LLP Chartered Accountants 4A, Kaledonia-HDIL, 2nd Floor, Sahar Rd, :Andheri East, Mumbai - 400' 069, India Khandelwal Jain & Co. Charter ed Accountants 6-B&C, PIL Court, 6th Floor, 111, Maharshi Karve Road, Churchgate, Mumbai - 400 020., India Independent Auditors Review Report on Quarterly Un.audited Consolidated Financial Results of UC Housing Finance Limited for the quarter ended June 30, 2025, pursuant to the Regulation 33 and 52 read with Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. To, The Board of Directors of UC Housing Finance Limited 1. We have reviewed the accompanying Statement of Unaudited Consolidated Financial Results of UC Housing Finance Limited ("the Parent") and its subsidiaries (the Parent and its subsidiaries together referred to as "the Group"), and its share of the net profit/(loss) after tax and total comprehensive income of its associates for the quarter ended June 30, 2025 ("the Statement"), being submitted by the Parent pursuant to ·the requirement of Regulation 33 and 52 read w·ith Regulation 63(2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended ("the Listing Regulations"). 2. This Statement, which is the responsibility of the Parent's Management and approved by the Parent's Board of Directors, has been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34 "Interim Financial Reporting" ("Ind AS 34") prescribed under section 133 of the Companies Act, 2013, as amended read with the. relevant rules issued thereunder and other accounting principles generally accepted in India. Our responsibility is to express a conclusion on the Statement based on our review. 3. We conducted our review in accordance with the. Standard on. Review Engagements (SRE) 2410 "Review of Interim Financial Information Performed by the Independent Auditor of the Entity", issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free from material misstatement. A review of interim financial information consists of making inquiries; primarily of persons responsible for financial and accounting matters, and applying /,::" Id S·'- 1i:;·: • • • . arn,1lytical and other review procedures. A review is substantially less in scope than an audit l(�t':'�-�\".,�1'' \:�1]',ducted in accordance with Standards on Auditing specified under section 143(10) of the �' ""' I I e> l'U 1 / r/; Page 1 of 3 <\�L J,q,. \.._'._(fl/' ,____. �• I t �(.; cf; -;;:: / ,,; ,�, i/f "'"-1',erJAcC&' ;,; r (' ,Jo, - C' '�� � �vr o - ;;l MUMBAI ·;, ·k {::: � ;;: �>½I ,___,...,,, �z-.- �7l9t:.n M'r;:J'S,'-'
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SGCO & Co. LLP Chartered Accountants Khandelwal Jain & Co. Chartered Accountants Companies Act, 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be 'identified in an audit. Accordingly, we d_o not express an audit opinion. 4. We also performed procedures in accordance with the circular issued by the SEBI under Regulation 33 (8) of the Listing Regulations, to the extent applicable. 5. _The Statement includes tl1e results of the following entities: Parent i. UC Housing Finance Limited Subsidiaries i. UCHFL Care Homes Limited ii. UCHFL Financial Services Limited • iii. UCHFL Trustee Company Private Limited iv. UCHFL Asset Management Company Limited Associates i. UC Mutual Fund Asset Management Limited'. ii. UC Mutual Fund Trustee Private Limited 6. Based on our review conducted and procedures performed as stated in paragraph 3 above and based on the consideration of the review reports of other auditors referred to in paragraph 6 below, nothing has come to our attention that c<1uses us to believe tl1at the accompanying Statement, prepared in accordance with the recognition and measurement principles laid down in the aforesaid Indian Accounting Standard specified under Section 133 of the ·Companies Act, 2013, as amended and other accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 and 52 read with Regulation (i3(2) of the Listing Regulations including the manner in which it is to be disclose<;!, or that it contains any materia_l misstatement. 7. We did not review the interim financial statements of 4 subsidiaries included in the consolidated unaudited financial results, whose interim financial statements, before consolidation adjustments, reflect total revenues of Rs. 23.25 crore, total net profit after tax of Rs. 2.91 cror<s and the total comprehensive income of Rs. 2.21 crore, for the quarter ended June Page 2 of 3
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SGCO & Co. LLP Chartered Accountants Khandelwal Jain & Co. Chartered Accountants have been· reviewed by other auditors whos_e reports have been furnished to us by the Management and our conclusion on the Statement, in so.far as it relates to the amounts and disclosures included in respect of these subsidiaries, is based solely on the reports of the other auditors and the procedures performed by us as stated in paragraph 3 above. Our conclusion _ on the Statement is not modified in respect of this matter. 8. The unaudited consolidated financial results also includes the Group's share of net profit after tax of Rs. 0.28 crore and the total comprehensive profit of Rs. 0.28 crore for the· quarter ended· June 30, 2024, as considered in the Statement, in respect of 2 associates, based on their interim financial information which h�ve not been reviewed by their auditors and have been furnished to us by the Management. Our conclusion on the Statement, in so far as it relates to the. . amounts and disclosures included in respect of these associates is based solely on such unaudited interim financial results/ financial information. According to the information an_d explana'tion given to us by the Management, this interim financial results / financial • ' information is not material to the Group.-Our conclusion on the Statement is not modified in respect of this matter. For SGCO & Co. LLP Chartered Accountants Firm Registration No.: 112081 W /W100184 SureshM� Partner Membership No.: 044739 UDIN: 25044739BMLAME1613 Place: Mumbai Date: August 01, 2025 Page 3 of 3 \ . For Khandelwal Jain & Co. Chartered Accountants Firm Registration No.: 105049W Shailesh Shah Partner Membership No.: 033632 UDIN: 25033632BMMJVG4615
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1lucHFL LIC HOUSING FINANCE LTD Statement o( Securitv Cover as at lune 30 2025 {t inCtore) eoa. •• cl Col••.pll ""'-· Col•-,h' Cot■-(11' Col•••Hri Col•-1vll Col.i••J Col-K .111 Col--.1. C■l--N E..t,o,in fkdu.ln ..... ,.,..,,..,.. ,.n-,...,,. ........ l:1iMilW� �""' a....,,, ·- a., ... °""' ollel'HM ( ......... "' cr.,..,c .. ,q aw.,,� S(,c;IITity at&.&tWe) AMrtsNW� .,,.rt,u.u Cu1-yl.1 ,._ ul-e (myi"'lnllH/llook dc•tt.okt«r """'-" fo,r Nt:luil"• ch.a.rat> ul,..fo,,..tt,,_... Ditl!tfo, {£M.1"4ff�•t OIIWh.klt tk•t .IMl:HUII .. t.lrMt �wltne IMrkri ....... ....... ·- � 0t•ttor w>kto {CN'W!ili(,..tlib IMre\t"p,11r&- uw.skktt4 MON" \'al1Mf« ... 1 ... '-.ot V.11-t.fo, wMNMLlbt w.tl•&. Ii 0"1mpt1Mol...-«tfrwwMdttbMI w)itdl.thi1- O<M, .... cutUk.tte1f lN•oare.fih,.lo - MlM«ttiilM•k• ttrtilk••,..Ltitoe ttrti:/tntrt S«IIJ"t'40tltt «11.tlN ....... " ,...,. ... (11,4,,. ntl�Ye plu ·,-rl o.ltl-fclOll 'l<tf'Wl11,1lole-or , .. ,1,.._.. .,,&ii.M' {nd!ldta1 •ppUulik jfot EJ. krlt. .......MUl&--4 .... 1., odw-rlM'lit "·- ,- blcldh,, a.t.�OSRA -·· Q'« "' .......... widi,.ri,. ......... ......,) ...... �•,.J-k.ot ........ DSKA ,.....,iwi, •r,11,r••k) �•••1-kaoc •r,Uo•M) '""'"'- Ft bl.ttUI& to Col■- F .... .... Y,,I ..., .... V N• " ASSETS Pn.,pt·rly, !mm1,,v-,1hle l'ror,..•rLy vt5 0.35 1>1.93 155.28 -I.SI Pk,11t ;mJ Eauiruu,.,1l G1pit.'ll Work-in• l'nw,n.,g Ri!',htc,f lf,0.95 160.95 Vk"A-1:. C,ooJ,..-ill l11ta1wib� AS6C'ls 21.50 21.50 lnl.mf:ibk.>ASSl"ls under Dc�.'lopn11;, 50.71 50.71 lnvcstn""'t 1 8,2-17.71 8,2-17.71 Lom\5 Rt'O.'iv.ibk-s from M,ut,_a,.c Ulan 3,03,-168.76 1,IWl-19 3,0-1,>19.25 3,03,468.76 lnV\.·ntor�-,. Tr.u,fo Rt.'O.·iv.1Mc1 C.'lsh und C.�h 352.88 352.88 E.1uiv.1knts 8;mk&,l.1111.'1$other than Cash ;mJ 629.74 629.74 C'lSh F...: uiv;1k.11ls Otl-...-ni l,9n.13 1,9n.13 Tot,11 3,03,469.11 12,676.0I 3,16,145.15 4.51 3,03,468.76 LIABILITIES Dcl>lk'C\.lritte'&to whiC'h th!, rerlificatc Sox-uf'\.-.JNC05 YES 1,55,015.10 1,55,015.10 1,55,015.10 f'l•rl.iitlS Other dd>I M\ilrinr, r,1ri-p,'lS11ud\.1rgcwilh YES 95,967.28 95,967.28 95,967.28 al>ov.:Jd-t Ottwrl:X-bl 1,001.1-1 1,001.14 S11ror!l1Uill 1,851.60 1,351.60 t,11!.·1>1 not tol!i&' IJorrru•i11r� fillrjl R,mli Dd•I r- 12,01}.-14 12,013.-1-1 s«r1rill,.'S Otl,ers 11,509.65 11.509.65 T<M I """ I 17-1.90 17-1.90 /..111N/1tlN Pto..•bk!tts ' 333.37 383.37 Qllf<N ...... I -145.2-1 -l-fi.2-1 Tgl<II ., 2,S0,982.33 27,379.33 2,78,361.71 2,50,9S2.33 c.. ......... ,, ,.\.,} / - .. ,_ '1 v .. , .. .· Cowa'NhlMW ·•:::·/:v • .__ .. t'.{ ' : Excl111•lw� Pui-PU4u SKi.rity Stturity Cover 1.21 :r , , _,. C.wtr - R.itio I.',·'·"·_; •• ' •. 1 T11is col11m11 shall i11cludt book IIQ/ur of asstts haui11g rxc.lusiw cliarg<' and outsta11diug book tial11e of debt for wlticf1 this certificate is iss11e1i. if T11is rotu,nu shall i11dudt book llflfut of as5<'ts h1wi11g r.rdusiw d1argr a11d outstanding book value of all rorrespcmdi11g debt otf,cr lha11 columu C. iii TI1is column sJudl iud11Jt dtbt for U"hich tl1is wtifuult is issued Jun,i11g '"'!I pari passu clmrgc - Mc11tio11 Yes, dst No. iv Ttiis column shall i11dudt a) book 1,a/11t of asS<'ts Juwillg pdri•passu charge b) outsta11diug book v.,lue of ,lebt for whicl, tf1is crrtifin1te is iss1ml mid r). other 1lrl1t sfmri11g pari• passu cfli1rgr ,dong with debt for which crrlijiratc is isslied. v This column si,atl i11clude book t10l1te of all other 1155<'/S fwvillg pari passu rluugc a11d oulsta11Ji11g book 1111/uc of correspo11di11g drbl. T,..I V•l-(•K+t.•M• NJ -1.51 3,0J,468.76 3,03,473.27 1,55,015.10 95,967.28 2,50.982.38 vi TI,is columu slwll i11du� ,di tlww nsscts uiliic/1 arc 1101 dwrgtd ,md shall i1ul1tJe all 1111Stnm·d borrowings i11cl11di11g s11f>ordi11aled debl amt shall include 011/y those assets wltich art paid•for. ,-i; In order to match tllt' liability 11mou11t witf1ji11a11dafs. it is 11Ut'S$0,Y to climiuatr tJ,r drbl whic./1 l111s btt11 emmted morr tf11111 011cc (iucludcd 1111der exclusive charge co/1111111 as a/so 1111der pari passu). Ou tl,e assc/s side, there sl1a/l 1101 � dimi11a/io11 as tl1rre is 110 ot,crlap. •-• l\ucts wllidt arc c:cmsidtrtd at Markrt Value like Lamt, Building. Rrsi,lmtiaVCommt·rcinl Rrol £stair lo be slated at Murkrt Value. OIiier asSt'ls luwi11g charge tobc stated at book val11e/Carryi11g Value. "'"The marktt ilfflur s/u,/1 bt calcufattd tlS ptr /ht total val11r of aSStls mentio11ed i11 Colu11111 0. x Re«it'llble uwltr fi11a11ri11g t1ct11/ilics rotisist of large 1111,nbcr of small tidtl·'sitms. TI!is is part of tilt' 11011 trading book where loans are iu the 11at1nc of htld to mat11rity and crcoted wit/, a sole objutivc of collecting pri11ripal and i11tertst. 11,ercfore compa11J1 l�s cousidcrtd tl,c Cllrryi11g i'4lut (ltd of g//oc1'll11«) for tl1is t'trtific:ate. xi TIit marktl iialue off 4.51 Crore :::::::::: ·es. Market tialuc is co11si,lcred 011 Ille basis of fcr/ified w!tlatio,1 do11e 011 29tl, Ma!I 2025 (2 Proprrties) & 02,td June 2025 (fer 2 proptrtirs) CIN NO. : L65922MH1989PLC052257 Web --=-=��- .com Corporate Office : UC Housing Finance Ltd., 131 Make ises, 13th Floor, Cuffe Parade, Mumbai400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousi ng@lichousing.com. Registered Office: LIC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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Annexure I _ Statement of Information for listed Non-Convertible Debentures ("NCD"): A .• Sr.No. 1 2 3 4 .5 B. Sr.No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 List of Listed NCD's issued during the quarter ended June 30, 2025 Series ISIN Secured /Unsecured 452 Reissue 2 INE115A07RD3 Secured· By Negative Lien 448 Reissue 2 INEl 15A07QZ8 Secured By Negative Lien 455 INEl 15A07RG6 Secured By Negative Lien 455 Reissue 1 INEI 15A07RG6 Secured By Negative Lien 456 INEl 15A07RH4 Secured By Negative Lien Listed N(:D's outstanding as at June 30,2025 Series 261 264 265 267-Option 1 267-Option 2 271-Option 2 273�Option 2 27_5 279 282 283 286 287 292 296-Option l 297-Option 2 298 300-Option 1 300-Option 2 303 306-Option 3 309-Option 2 314 320 332 337 341-Option 3 353 359 3'65 367-Option 3 369-Option 2 372-Option 2 373-Option 2 376 382 386 397�� -"' -��C,v..,. \.Q �. . .,.. .0 ,'< l er, FRN: 1208W -o ) * W1 1 * CJ MU� Al °$ o>,-1, �� c>ted Accr:i> (;;:- ' ISIN Secured /Unsecured INEI 15A07HP8 Secured By Negative Lien INEI 15A07HT0 Secured By Negative Lien INEI 15A07HU8 Secured By Negative Lien • INEl 15A07HW4 Secured By Negative Lien INE 115A07HX2- Secured By Negative Lien INEl 15A07IC4 Secured By Negative Lien INEl 15A07IF7 Secured By Negative Lien INEI 15A07IH3 Secured By Negative Lien INEl 15A07INI Secured By Negative Lien INEl 15A07IR2 Secured By Negative Lien INE1"15A07IS0 Secured By Negative Lien INEl 15A07IW2 Secured By Negative Lien INEl 15A071X0 Secured By Negative Lien INEl 15A07JI9 Secured By Negative Lien INEI 15A07JM1 Secured By Negative Lien INE115A07JP4 Secured By Negative Lien INEl 15A07JQ2 Secured By Negative Lien INE l l 5A07 JS8 Secured By Negative Lien INEl 15A07JT6 Secured By Negative Lien INEl 15A07JW0 Secured By Negative Lien INEl 15A07KE6 Secured By Negative Lien INEl 15A07KM9 Secured By Negative Lien INE 115A07KS6 Secured By Negative Lien INE115A07KY4 Secured By Negative Lien INEl 15A07LO3 Secured By Negative Lien INE115A07LU0 Secured By Negative Lien INE115A07MC6 Secured By Negative Lien INE115A07MQ6 Secured By Negative Lien INEl 15A07MW4 Secured By Negative Lien INEI I 5A07ND2 Secured By Negative Lien INEl 15A07NH3 Secured By Negative Lien INEI 15A07NL5 Secured By Negative Lien INEl 15A07NP6 Secured By Negative Lien INE115A07NR2 Secured By Negative Lien INE115A07NU6 Secured By Negative Lien INE115A07OB4 Secured By Negative Lien INE115A07OF5 Secured By Negative Lien INE115A07OR0 Secured By Negative Lien S;.\. 'N Al J4/, ���'1' � . �t MUMBAI !=1) � ' i �1;'-...___,....., �t 'lltOACCI)�� Amount (Crores) . 1000.00 1400.00 1210.00 ' 1100.00 3250.00 Amount (Crores) 195.00 300.00 500.00 200.00 300.00 210.00 381.00 1000.00 1000.00 750.00 750.00 500.00 1000.00 300.00 510.00 495.00 357.00 500.00 348.80 472.40 200.00 500.00 1000.00 1000.00 600.00 700.00 500.00 530.00 1477.00 912.00 630.50 274.90 1606.00 1522.40 1365.00 3400.00 2500.00 I 120.00 �� ' t�· 6 -;i_ ( • FICE'" rn ) v\ MUl,iBAI (:; 1/) J* � \J--.
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Sr.No. Series 39 40 41 42 43. 44 45 46 47 48 49 50 51 .52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 403 409 403 411 412 415 411 417-0ption 1 417-0ption 3 417-0ption 3 417-0ption 3 4 I 9�0ption 2 419-0ption 2 420-0ption 1 421 422 417-0ption 3 421 422 424-0ption 1 424-0ption 2 424-0ption 1 425 426 353 426 426 425 427 428 429 430 431 359 428 432 432 431 429 427 433 434-0ption 1 434-0ption 2 434-0ption 1 428 • 435 436 409 433 376 437 3 72-0ption 2· 437 437 ,.,,438,� t;Y c, u ... � <, '\<'< Cl'J FRN: 1v81V .,_, t} I * W100 ,. CJ MUMBAI -/J o>_,.../, �� 01ed Acco� - ISIN Secured /Unsecured INEl 15A070Y6 Secured By Negative Lien INEI 15A07PF2 Secured By Negative Lien INE115A070Y6 Secured By Negative Lien ' INEI 15A07PH8 Secured By Negative Lien INEI J 5A07PI6 • Secured By Negative Lien INE115A07PLO Secured By Negative Lien INEI I 5A07PH8 Secured By Negative Lien INEl 15A07PN6 Secured By Negative Lien INEI 15A07PPI Secured By Negative Lien INE115A07PPI Secured By Negative Lien INEl 15A07PP1 Secured By Negative Lien INEl 15A07PR7 Secured By Negative Lien INEl 15A07PR7 Secured By Negative Lien INE l 15A07PT3 Secured By Negative Lien INE l l 5A07PV9 Secured By Negative Lien INE 115A07PW7 Secured By Negative Lien INE115A07PP1. Secured By Negative Lien INE 1 I 5A07PV9 Secured By Negative Lien INEI 15A07PW7 Secured By Negative Lien INE! 15A07PY3 Secured By Negative Lien INE115A07PZO Secured By Negative Lien INEl l 5A07PY3 Secured By Negative Lien INEl 15A07QA1 Secured By Negative Lien INEl I 5A07QB9 Secured By Negative Lien INEl 15A07MQ6 Secured By Negative Lien INE115A07QB9 Secured By Negative Lien INE115A07QB9 Secured By Negative Lien INE115A07QA1 Secured By Negative Lien INE I 15A0.7QC7 Secured By Negative Lien INEl I 5A07QD5 Secured By Negative Lien INE115A07QE3 Secured By Negative Lien INE115A07QFO Secured By Negative Lien INE115A07QG8 Secured By Negative Lien INEl 15A07MW4 Secured By Negative Lien INEl 15A07QD5 Secured By Negative Lien INE115A07QH6 Secured By Negative Lien INE115A07QH6 Secured By Negative Lien INE115A07QG8 Secured By Negative Lien INE115A07QE3 Secured By Negative Lien INE115A07QC7 Secured By Negative Lien INEl 15A07QI4 Secured By Negative Lien INEl 15A07QJ2 Secured By Negative Lien· INEl 15A07QKO Secured By Negative Lien INE115A07QJ2 Secured By Negative Lien INE115A07QD5 Secured By Negative Lien INE115A07QL8 Secured Hy Negative Lien INE115A07QM6 Secured By Negative Lien INEl15A07PF2 Secur�d By Negative Lien INE115A07Ql4 Secured By Negative Lien INE I l 5A07NU 6 Secured By Negative Lien INE115A07QN4 Secured By Negative Lien INEl 15A07NP6 Secured By Negative Lien INE115A07QN4 Secured By Negative Lien INE115A07QN4 Secured By Negative Lien INEl 15A07Q02 Secured By Negative Lien t9�\.�AL'J4�(f � Cl � MUMBAI � l � C? �1, ..__,_, �t �([) ACC\)�� . ·-. Amount (Crores) 500.00 550.0Q 990.00 320.00 1500.00 975.00 420.00 1000.00 750.00 250.00 657.00 500.00 300.00 1275.00 1000.00 500.00 1350.00 1500.00 2500.00 1500.00 1500.00 2000.00 1500.00 1175.50 2500.00 571.00 500.00 300.00 500.00 625.00 800.00. 1150.00 303.00 2011.00 855.00 1055.00 300.00 450.00 1000.00 1730.00 1105.00 1040.00 4960.00 1500.00 1000.00 1250.00 941.00 500.00 2000.00 1000.00 1300.00 501.00 1642.30 800.00 1005.00 �Q��:u�.��� �OFFICE tn I .. U•,iBAI r-- ,...... ':'I tJ' �
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Sr.No. Series ISIN Secured /Unsecured Amount (Crores) 94 438 • INE115A07QO2' Secured By Negative Lien 1190.00 95 437 INEJ 15A07QN4 Secured By Negative Lien 503.00 96 438 INEI 15A07Q02 Secured By Negative Lien 505.00 97 439 INEI 15A07QP9 Secured By Ne!!:ative Lien 3470.00 98 417-Option I. INEl 15A07PN6 Secured By Negative Lien 1780.00 99 440 . INEl 15A07QQ7 Secured By Negative Lien 2105.00 100 441 INEl 15A07QR5 Secured By Negative Lien 1004.00 101 442 INEl 15A07QS3 . Secured By Negative Lien 2570.00 102 440-Reissue l INEI 15A07QQ7 Secured By Negative Lien I 510.00 103 443 INE115A07QT1 Secured By Negative Lien 750.00 104 386-Reissue 1 INEI 15A07OF5 Secured By Negative Lien 752.00 105 443-Reissue 1 INE115A07QT1 Secured By Ne!!:ative Lien 1 500.00 106 441-Reissue 1 INE115A07QR5 Secured By Negative Lien 751.00 107 444 INE115A07QU9 Secured By Negative Lien 1050.00 108 445-Option I INE115A07QV7 Secured By Negative Lien 1500.00 109 445 Option II INE115A07QW5 Secured Bv Negative Lien 710.00. 110 444-Reissue I INE115A07QU9 Secured By Negative Lien 2500.00 111 446 INE115A07QX3 Secured By Negative Lien 1625.00 112 445-Option I Reissue 1 INE115A07QV7 Secured By Negative Lien 1730.00 113 447 INE 1 l 5A07QY 1 Secured Bv Negative Lien 1300.00 114 445 Option II Reissue 1 INEI 15A07QW5 Secured By Negative Lien 1500.00 115 • 447 Reissue 1 INEI 15A07QY1 Secured By Negative Lien 1000.00 116 448 INE115A07QZ8 Secured Bv Negative Lien 1315.00 117 441 Reissue 2 . INE115A07QR5 Secured Bv Negative Lien 1050.00 118 449 INE115A07RA9 Secured By Negative Lien 1275.00 119 419 Option II Reissue· 2 INE l l 5A07PR 7 Secured By Negative Lien 605.00 120 44 7 Reissue 2 INE 1 l 5A07QY1 Secured By Negative Lien 1635.00 121 450 INEl 15A07RB7 Secured By Negative Lien 1245.00 122 451 INE115A07RC5 Secured Bv Negative Lien 2745.00 123 445 Option II Reis.sue 2 INE115A07QW5 Secured By Negative Lien 1003.00 124 452 INEI 15A07RD3 Secured By Negative Lien 1000.00 125 448 Reissue 1 INEI 15A07QZ8 Secured By Negative Lien 700.00 126 452 Reissue I INEl 15A07RD3 Secured BvNegative Lien 1225.40 127 453 INEl 15A07REI Secured By Negative Lien 1000.00 128 454 INE115A07RF8 Secured By Negative Lien 7000.00 129 452 Reissue 2 INE115A07RD3 Secured By Negative Lien 1000.00 130 448 Reissue 2 INE115A07QZ8 Secured BY Negative Lien 1400.00 131 455 INEI 15A07RG6 Secured Bv Ne!!:ative Lien 1210.00 132 455 Reissue 1 INE 115A07RG6 Secured By Negative Lien 1100.00 133 456 INEl 15A07RH4 Secured By Negative Lien 3250.00
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SGCO & Co. LLP Chartered Accountants 4A, Kaledonia-HDIL, 2nd Floor, Sahar Rd, Andheri East, Mumbai - 400 069, India Khandelwal Jain & Co. Charter<ed Accountants 6-B&C, PIL Court, 6th Floor, .111, Maharshi Karve Road, Churchgate, Mumbai - 400 020., India Independent Auditor's Certificate with Respect to maintenance of Security Cover as at June 30, 2025 pursuant to Regulations of 54 read with Regulation 56(}.)( d) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (as amended) To, The Board of Directors of LIC Housing Finance Limited 131, Maker Tower "F'' Premises, 13th Floor, Cuffe Parade, Mumbai - 400005. Dear Sirs, 1. • We SGCO & Co. LLP, Chartered Accountants and Khandelwal Jain & Co., Chartered Accountants, are Joint Statutory Auditors of the UC Housing Finance Limited. ("the Company") and have been requested by the Company to certify the accompanying Statement showing 'Security Cover' for the listed non-convertible debt securities as at June 30, 2025 (the "State_ment';) which has been prepared by the·Company pursuant to the 'requirements of the Regulation 54 read "'.ith Regulation 56(1)(d) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, (the "SEBI Regulations"). The Company has prepared the details of security cover available for debenture holders in accordance with the unaudited financial statements as at June 30, 2025 and other relevant records/ documents maintained by the Company as per accompanying Statement. We have stamped the same for identification purposes only. 2. We understand that this certificate is required by the Company for the purpose of submission to BSE Limited, National Stock Exchange oflndia Limited and Debenture Trustees with respect to maintenance of asset cover i_n respect of listed non-convertible debt securities of the Company as per Regulation 54 of Securities·and Exchange Board of India (Listing Obligation • & Disclosure Requirements) Regulation, 2015 ("Regulations") in the format notified by SEBI vide circular no. SEBI/ HO/ MIRSD/MIRST_CRADT I CIR/ PI 2022/67 dated May 19, 2022 .. aJso certify the particulars contained in the accompanying Statement of information for listed /'.'-.•,; ·r\Jqi';;:,c;onvertible Debentures (Annexure I) of the Company for the quarter ended June 30, 2025.;/{�? ';/' ''"'" <"· )\ (f :/IFRN 1/LOSn<� J \ Page 1 of 4 • • �\,'I\M J4/,t �' ( ',Vb, ? ' ) * ) � <fJ � \, MUM A! /-!:! (I � � '>c,��-__ ·<,/lj ':;: MUMBAI ·* '·"--0d Acco'-'�· -�-
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SGCO & Co. LLP Chartered A�countants Managements Responsibility KhandeiwaI Jain & Co. Chartered Accountants 3. The preparation of the "Statement of Security Cover" and" Annexure I" is the responsibility of the Management of the Company including the preparation and maintenance of all accounting and other relevant supporting records and documents. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the Statement and applying an appropriate basis of preparation; and making estimates that are reasonable in the circumstances. 4. The Management of the Company is _also responsible for-ensuring that the Company complies with all the relevant requirements of the SEBI Regulations, the circular and for providing all relevant information to the Stock Exchanges and Trustee. Auditor's Responsibility 5. Pursuant to the requirements of the SEBI Regulations and the circular, it is our responsibjlity to provide a _limited assurance as to whether the Company ·has maintained security cover as per the terms of the Information Memorandum / Placement Memorandum and Debenture Trust Deeds. 6. We have jointly carried out limited review of the unaudited standalone financial results of the Company for the quarter ended Jurie 30, 2025, and issued an unmodified conclusion vide our report dated August 01, 2025. We conducted our review of the financial resutls in accordance with the Standard on Review Engagements (SRE) 2410, "Review of Interim Financial Information ·Performed by the Independent Auditor of the Entity" issued by the Institute of Chartered Accountants of India. This standard requires that we plan and perform the review to obtain moderate assurance as to whether the Statement is free of material misstatement. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Standards qn Auditing specified under section 143(10) of the Companies Act, 2013 and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Further, we have not reviewed / audited any financial statements of the Company as of any date or for any period subsequent to June 30, 2025. 7. We conducted our examination of the Statement and Annexure 1, on test check basis, in accordance with the Guidance Note on Reports or Certificates for Special Purposes issued by Page 2 of 4
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SGCO & Co. LLP Chartere.d Accountants Khandelwal Jain & Co. Chartered Accountants 8. We-have complied with the relevant applicable requirements of the Standard on Quality Control (SQC) 1, Quality Control for Firms that Perform Audits and Reviews of Historical Financial Information, and Other Assurance and Related Services Engagements 9. Our scope of work did.not involve us performing audit tests for the purposes of expressing an opinion on the fairness or accuracy of any of the financial information or the financial results of the Company taken as a whole. We have not performed an audit, the objective of which· would be the expression of an opinion on the financial results, specified elements, accounts or items thereof, for the purpose of this report. Accordingly, we do not express such opinion. 10. The procedures performed in a limited assurance engagement vary in �ature and liming from, and are less in extent than for, a reasonable assurance engagement; and consequently, the level of assurance obtained in a limited assurance engagement is substantially lower than tl1e assurance that would have been obtained had a reasonable assurance engagement been performed. Limited assurance engagement includes performing procedures to obtain sufficient appropriate audit evidence on the reporting criteria mentioned in paragraph 5 above. The procedures selected depend on thr auditor's judgm';nt, including the assessment of the associated risks with the. reporting requirements. We have performed the following procedures in relation to the Statement: a) Obtained and read on a test check basis, the Debenture Trust Deeds and the Information Memorandum in respect of the secured Debentures and noted the particulars of security cover and the security cover percentage required to be maintained by the Company in respect of such Debentures, as indicated in the Statement. b) Traced and agreed the principal amount of the Debentures outstanding as at June 30, 2025 with the unaudited standalone financial results referred to in paragraph 6 above; and the books of account maintained by the Company as at and for the quarter ended June 30, 2025. c) traced the book value of assets indicated in tl1e statement to the stanaalone financial results as at and for the quarter ended June 30, 2025 referred to in paragraph 6 above and other relevant records maintained bythe company. d) Obtained the list of the security cover maintained by the Company. e) Obtained the list and the book value of assets placed under lien or encumbrance for tl1e purpose of obtaining any other loan and determined that such assets are not included in the calculation of security cover in respect of the Debentures on a test check basis.' f) Examined and verified the aritl1metical accuracy of the computation of security cover indicated in the Statement. g) Performed necessary inquiries with the Management . and ,,. ·< -�;"'- representations. �� �'w, j, _;/r:�) :"'.'' ,, , (1/u;; ,';:R 1 .11_:d 1Wi ·\ __ /,\ \ <;- ( ';;;',,,•,}1 ,y,., \:i,;t;;,:�·�.::,,.;:f/ Page 3 of 4
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SGCO & Co. LLP Chartered Accountants Conclusion Khandelwal Jain & Co. Chartered Accountants 11. Based on the procedures performed by us; as referred to in paragraph 10 above and according to the information and explanations received and Management representations obtained, nothing has come to our attention that causes us to believe that as at J�ne 30, 2025; a. The computation of security cover available for debenture holders contained in the Statement is not in agreement with the unaudited standalone financial results and the books of account and other relevant records and documents maintained by the Company. b. Security cover available for debentur� holders is not 100%·o'r more than the cover required as per Offer Document/ Information Memorandum in respect of listed debt securities. Restriction on Use l2. This certificate is being issued to the Company pursuant to the requirements of Regulation 54 of the Securities and Exchange Board • of India (listing Obligations and Disclosure Requirements) Regulations, 2015 (as amended). Our certificate should not be used for any other purpose or by any person other 'than the addressees of this certificate. Accordingly, we do not accept or as�ume any liability or duty of care to any other person to whom this certificate is shown or into whose hands it may come save where expressly agreed by our prior consent in.writing. For SGCO & Co. LLP Chartered Accountants Firm Registration No.: 112081W /W100184 Partner Place: Mumbai Date: August 01, 2025 Page 4 of 4 For Khandelwal Jain & Co. Chartered Accountants Firm Registration No.: 105049W Shailesh Shah • Partner Membership No.: 033632 UDIN: 25033632BMMJVI3638 �==--
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tlucHFL LIC HOUSING FINANCE LTD Annexure-A CERTIFICATE OF UTILISATION FOR THE QUARTER ENDED JUNE 30, 2025 Statement of utilization of issue proceeds Name of the issuer: LIC Housing Finance Limited Amount Funds ISIN Placement Type of Date of Raised utilized instrument raising funds (Face Value) 1 2 3 4 5 Non-Convertible Debentures INE115A07RD3 Private NCO 9-Apr-25 1,000.00 1NE115A07QZ8 Private NCO 16-Apr-25 1,400.00 INE115A07RG6 Private NCD 29-Apr-25 1,210.00 lNE115A07RG6 Private NCD 29-May-25 1,100.00 lNE115A07RH4 Private NCO 19-Jun-25 3,250.00 Sub-Total 7,960.00 Commercial Paper INE115A14FP8 Private CP 5-Jun-25 1,500.00 Sub-Total 1,500.00 Total 9,460.00 CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com (Face Value) 6 1,000.00 1,400.00 1,210.00 1,100.00 3,250.00 7,960.00 1,500.00 1,500.00 9,460.00 (� In Crore) If 7 is Yes, then Any specify the deviation purpose of Remarks, (Yes/No) for which if any the funds were utilized) 7 8 9 NO NA NA NO NA NA NO NA NA NO NA NA NO NA NA NO NA NA Corporate Office : UC Housing Finance Ltd., 131 Maker Tower "F" Premises , 13th Floor, Cuffe Para de, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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Annexure-B SucHFL LIC HOUSING FINANCE LTD Statement of deviation/variation in use of Issue proceeds: Particulars Remarks Name of listed entity LIC Housing Finance Limited Mode of fund raising Private placement Type of instrument Non-convertible Debentures and Commercial Papers Date of raising funds Refer Annexure - A Amount raised Refer Annexure - A Report filed for quarter ended 30.06.2025 Is there a deviation/ variation in use of funds raised? No Whether any approval is required to vary the objects of the Noissue stated in the prospectus/ offer document? If yes, details of the approval so required? Not Applicable Date of approval Not Applicable Explanation for the deviation/ variation Not Applicable Comments of the audit committee after review None Comments of the auditors, if any None Objects for which funds have been raised and where there has been a deviation/ variation, in the following table: Amount of Original Modified Original Modified Funds deviation/Variation for the object object, if allocation, allocation, Utilised quarter according to Remarks, if any any if any if any applicable object(in crore and in%) - - - - - - - Deviation could mean: a. Deviation in the objects or purposes for which the funds have been raised. b. Deviation in the amount of funds actually utilized as against what was originally disclosed. Please take the above on record. Name of signatory: �>� :, �anager (Accounts) . Date: 01.08.2025 - �G Fttv --; � � I 0� CORPORATE () )OFFICE fii :I: ,-() MUMB A�I ":"'I '/> .c, * ,_ 'P CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office: UC Housing Finance Ltd. , 131 Maker Tower "F" Premises, 13th Floor, Cuffe Para de, Mumbai 400 005 Tel:+ 9122 2217 8600, Fax:+9122 2217 8777 , Email: lichousing@lichousing.c om . Registered Office: LIC Housing Finance Ltd . Bombay Life Bld g., 2nd fir., 45/4 7, Veer Nariman Rd, Fort, Mumbai· 400 001. Tel: + 91 22 2204 9682 /9 799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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Annexure-C Statement of deviation/variation in use of Issue proceeds: (As per regulation 32(1) of the SEBI (LODR) Regulation, 2015 read with SEBI Master Circular No. SEBI/HO/CF/PoD/Cl R/P/2023 /120 dated July 11, 2023) 1lucHFL LIC HOUSING FINANCE LTD Particulars Remarks Name of listed entity LIC Housing Finance Limited Mode of fund raising Public issues/Right Issues/ Preferential Issue/QIP /Others Type of instrument Not Applicable Amount raised Not Applicable Report filed for quarter ended 30.06.2025 Monitoring Agency Not Applicable Monitoring Agency Name, if applicable Not Applicable Is there a deviation/ variation in use of funds raised? No If yes, whether the same is pursuant to change in terms of a Not Applicable contract or objects, which was approved by the shareholders. If yes, date of shareholders' approval Not Applicable Explanation for the Deviation/ Variation Not Applicable Comments of the audit committee after review Nil Comments of the auditors, if any Nil Objects for which funds have been raised and where there has been a deviation/ variation, in the following table: Amount of Original Modified Original Modified Funds deviation/Variation for object object, if allocation, allocation, Utilised the quarter according to Remarks, if any any if any if any applicable object(in crore and in%) - - - - - - - Deviation could mean: a. Deviation in the objects or purposes for which the funds have been raised. b. Deviation in the amount of funds actually utilized as against what was originally disclosed or C. Change in terms of a contract referred to in the fund raising document.i.e. prospectus, letter of offer, etc. Please take the above on record. Name o ignatory: / ,� ral l kanager (Accounts) Date: 01.08.2025 - �G F/f\t. ::<I. 0' � 18 CORPORATE () )'l: OFFICE rn u MUMBA Y I;; '/> .(> * .. '� I CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Corporate Office : UC Housing Finance Ltd ., 131 Maker Tower "F" Pre mise s, 13th Fl oor, Cuffe Parad e, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+91 22 2217 8777, Email: lichousing@lich ousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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To, The Board of Directors, LIC Housing Finance Limited., Bombay Life Building, 2nd Floor, 45/47, Veer Nariman Road, Mumbai - 400 001. CERTIFICATION 1lucHFL LIC HOUSING FINANCE LTD Date: 01 st August 2025 We the undersigned T. Adhikari, Managing Director & CEO and Lokesh Mundhra, Chief Financial Officer hereby certify that for the Quarter ended 30th June 2025. We have reviewed the financial results and that to the best of our knowledge and belief: 1. These statements do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading. 2. These statements together present a true and fair view of the Company's affairs and are in compliance with existing accounting standards, applicable laws and regulations. CIN NO.: L65922MH1989PLC052257 Website: www.lichousing.com Chief Financial Officer Corporate Office: UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floor, Cuffe Parade, Mumbai 400 005 Tel:+ 9122 22 17 8600, Fax:+9122 2217 8777, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.
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1lucHFL LIC HOUSING FINANCE LTD Certificate from CFO on use of proceeds from issue of Commercial Papers Pursuant to Regulation 10, Part II of Chapter XVII - Listing of Commercial Paper of SEBI Master Circular SEBI/HO/DDHS/PoD1/P/CIR/2024/54 dated May 22, 2024 for the quarter ended June 30, 2025, we confirm that the proceeds of the Commercial Papers issued by the Company during the quarter ended June 30, 2025 and listed on the National Stock Exchange of India Limited were used for the purposes as disclosed in the respective Disclosure DocumenUKey Information Document and that the applicable listing conditions, as specified in captioned Circular have been adhered by the Company. UC Housing Finance Ltd. Lokesh Mundhra Chief Financial Officer Date: - 01.08.2025 CIN NO.: L65922MH1989PLC052257 Website: www.lichousing.com Corporate Office : UC Housing Finance Ltd., 131 Maker Tower "F" Premises, 13th Floo r, Cuffe Parad e, Mumbai 400 005 Tel :+ 91 22 2217 8600, Fax:+9122 2217 8777, Email: lichousing@lichousing.com. Registered Office: UC Housing Finance Ltd. Bombay Life Bldg., 2nd fir., 45/47, Veer Nariman Rd, Fort, Mumbai - 400 001. Tel: + 91 22 2204 9682 /9799 /0006, Fax: +91 22 2204 9682, E-mail: lichousing@lichousing.com.