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Investor Update Q1 FY 2027
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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 37 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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Awards & Achievements 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 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” 2026 Awarded as Best Housing Finance Company at the Excellence awards 2024-25 by NHB 2025 Awarded the “Best Housing Finance Company” for the second consecutive year by NHB
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4 Shareholding Pattern LIC, 45.24% FII & other Overseas Investor, 21.97% Public , 9.74% MFs & others, 23.05% June 2026 Shareholder % Life Insurance Corporation Of India 45.24% ICICI Prudential Asset Management Co. Ltd. 6.70% Norges Bank Investment Management (NBIM) 2.31% Bank Muscat SAOG 2.09% Bandhan Asset Management Company Limited 2.08% Vanguard Capital Management, LLC 1.67% Nippon Life India Asset Management Limited 1.62% HDFC Asset Management Co., Ltd. 1.27% Tata Asset Management Ltd. 1.20% Quant Money Managers Ltd 1.06% Top 10 Shareholders
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5 ▪ Q1 FY27 PAT at Rs. 1488.32 cr as against Rs 1359.92 cr, up by 9.4% ▪ Q1 FY27 Total Revenue from operations Rs.7062 cr as against Rs.7169 cr ▪ Outstanding Loan portfolio up by 4% to Rs. 322098 cr ➢ Individual Home Loan Portfolio up by 4% to Rs. 271979 Cr ▪ Q1FY 27 Loan Disbursements Rs.15014 cr against Rs. 13116 cr, up by 14.5% ➢ Individual Housing Loan Disbursements Rs.12119 cr as against Rs.11247 cr, up by 8% ➢ Non-Housing Individual Loan Disbursements Rs. 1975 cr against Rs. 1647 cr, up by 20% ▪ Net Interest Income Rs.2075.52 cr for Q1 FY27 as against Rs.2064.71 cr for Q1 FY26 ▪ Net Interest Margins 2.58 % for Q1 FY27 as against 2.68% for Q1 FY26 ▪ Stage 3 EAD at 2.14 % as on 30.06.2026 as against 2.62 % as on 30.06.2025 ▪ Total ECL provision stood at Rs. 4398 Cr as on 30.06.2026 against Rs.5051 Cr as on 30.06.2025 ▪ PCR (Stage III) stands at 48% Executive Summary – Q1 FY 27
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6 Disbursement (Rs. Cr) CAGR 2% Profit After Tax (Rs. cr) CAGR 25%Income (Rs. cr) CAGR 10% Loan Portfolio (Rs.cr) CAGR 6% Update – last 5 years 251120 275047 286844 307732 320707 100000 150000 200000 250000 300000 350000 2022 2023 2024 2025 2026 19953 22674 27235 28046 28772 10000 15000 20000 25000 30000 2022 2023 2024 2025 2026 2288 2891 4765 5429 5595 0 1000 2000 3000 4000 5000 6000 2022 2023 2024 2025 2026 61848 64115 58937 64022 66544 10000 20000 30000 40000 50000 60000 70000 2022 2023 2024 2025 2026 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 5839 7230 6270 4899 4569 0 1500 3000 4500 6000 7500 2022 2023 2024 2025 2026 92.73 117.43 198.48 213.57 233.23 0 50 100 150 200 250 2022 2023 2024 2025 2026 4.75% 4.36% 4.21% 4.92% 4.62% 0% 5% 2022 2023 2024 2025 2026 Update- Last 5 Years 4.64% 4.37% 3.31% 2.47% 2.16% 1% 2% 3% 4% 5% 2022 2023 2024 2025 2026
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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 43.14 52.56 86.63 98.70 101.72 0 25 50 75 100 125 2022 2023 2024 2025 2026 414.88 492.38 570.40 659.09 751.24 0 200 400 600 800 2022 2023 2024 2025 2026 0.95% 1.10% 1.70% 1.83% 1.78% 0% 1% 2% 2022 2023 2024 2025 2026 11.00% 12.00% 16.00% 16.00% 14.00% 0% 10% 20% 2022 2023 2024 2025 2026 Update- Last 5 Years
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• 10 Regional Offices • 23 Back Offices • 39 Cluster Offices • 303 Area Offices • Rep office in Dubai • 2400 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 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 2026 303 23 10 2399 320707 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) 303 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 Q1FY27 were Rs.782 Cr
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88% 12% Customer Type (No.) Salaried Self Employed 52.0% 19.1% 2.3% 9.8% 0.3% 16.5% Originations by source HLA DSA CRA DIRECT DME Corporate Agent ₹ 25.0 ₹ 27.0 ₹ 29.0 ₹ 31.0 ₹ 33.0 ₹ 35.0 Q1FY26 Q1FY27 Incremental Ticket Size (Rs lacs) 43% 83 Offices 57% 220 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 30.06.2025 O/s Portfolio Rs. 309587 cr Individual Home Loans 84.8% Non-Housing Individual 10.7% NHC-Project Loans 2.9% NHC-Others 1.6% 30.06.2026 O/s Portfolio Rs. 322098 cr 12 Individual Home Loans 84.4% Non-Housing Individual 11.3% NHC-Project Loans 3.0% NHC-Others 1.3% Loan Book Composition
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13 Installment to Net Income Ratio On Incremental Sanctions For FY25 43% For FY26 42% For Q1FY27 42% Loan To Value Ratio On Incremental Sanctions For FY25 50% For FY26 48% For Q1FY27 48% Pure Floating Rate Loans To Outstanding Portfolio As of FY25 99% As of FY26 99% As of Q1FY27 99% Prepayment Lump Sum/ opening book For FY25 9.4% For FY26 12.0% For Q1FY27 11.7% Individual Loans – Portfolio Stats Individual Loans – Portfolio Stats
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14 Financial Highlights Q1FY2027 Q1FY2026 Return on Average Equity (%) 14% 15% Return on Average Assets (%) 1.85% 1.76% Earnings per share (on Rs 2 pd up) 27.06 24.72 Capital Adequacy Ratio Tier I Tier II Total March 2026 24.20 1.29 25.48 March 2025 21.70 1.50 23.20 Financial Highlights
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15 Executive Summary-Q4/FY23 Particulars Var Q1 FY2027 (Rs. Cr) Q1 FY2026 (Rs. Cr) Revenue from Operations -1% 7062.45 7169.32 Finance cost -2% 4948.05 5048.35 Net Interest Income 1% 2075.52 2064.71 Impairment on Financial Instruments -235% (164.23) 121.67 Profit before Tax 11% 1888.43 1699.16 Tax Expense 18% 400.11 339.24 Net Profit 9.4% 1488.32 1359.92 Executive Summary – Q1/FY27
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Executive Summary – Q4/FY23 Particulars Var Q1 FY2027 Q1 FY2026 Disbursements Individual Housing Loan (IHL) 8% 12119 11247 Non-Housing Individual (NHI) 20% 1975 1647 Non-Housing Commercial (NHC) -27% 48 66 Project Finance (PF) 459% 872 156 Total 14.5% 15014 13116 Outstanding Portfolio Individual 4% 312411 300637 Project 8% 9687 8950 Total 4% 322098 309587 Net Interest Margins(%) 2.58% 2.68% Weighted average cost of funds 7.28% 7.50% Yield on advances annualised 9.12% 9.60% Spreads 1.84% 2.10% Rs. cr Executive Summary – Q1/FY27
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Outstanding Borrowings – Rs. 276801 cr Source Wtd Avg Cost (%) Bank / NHB 6.85% Non Convertible Debenture 7.70% Tier II 7.30% Commercial Paper 7.20% Deposits 7.35% PTC 7.51% Total 7.28% as on 30.06.2026 Liability Profile During Q1 FY27, Incremental Cost of Funds was 7.06% Bank 37% NCD 46% NHB 8% 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% FY23 FY24 FY25 FY26 Q1 FY 27 Others Deposit NHB Bank NCD 7.63% 7.76% 7.73% 7.27% 7.28% Change in Liability Mix- last 5 yrs
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Yield & Cost of Funds on portfolio Q1FY26 Q1FY27 Yield on Advances on Portfolio 9.60% 9.12% Wtd Avg cost of funds on Total Borrowed Funds 7.50% 7.28% 9.60% 9.12% 7.50% 7.28% 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 2.76% 2.68% 2.58% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% Q1FY 25 Q1 FY 26 Q1 FY 27 NIM’s
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21 Classification of Assets Exposure At Default % June-26 June-25 Stage 1 95.26% 93.80% Stage 2 2.60% 3.58% Stage 3 2.14% 2.62% Total 100% 100% ECL Provision June-26 June-25 Stage 1 Rs. 670.83 Cr Rs. 514.19 Cr Stage 2 Rs. 408.59 Cr Rs. 414.09 Cr Stage 3 Rs. 3319.01Cr Rs. 4122.99 Cr Stage 3-PCR 48% 51% 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