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Investor Update Q2 FY 2027 LI HOUSING FINANCE LTD
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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, 19.60% Public , 10.03% MFs & others, 25.13% September 2026 Shareholder % Life Insurance Corporation Of India 45.24% ICICI Prudential Asset Management Co. Ltd. 5.22% Kotak Mahindra Asset Management Company Limited 3.95% Bank Muscat SAOG 2.09% Norges Bank Investment Management (NBIM) 2.08% Bandhan Asset Management Company Limited 2.03% Quant Money Managers Ltd 1.86% Vanguard Capital Management, LLC 1.70% Nippon Life India Asset Management Limited 1.43% HDFC Asset Management Co., Ltd. 1.26% Top 10 Shareholders
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5 ▪ Q2 FY27 PAT at Rs.1508.78 cr as against Rs 1353.87 cr, up by 11% ▪ Q2 FY27 Total Revenue from operations Rs.7175 cr as against Rs.7074 cr ▪ Outstanding Loan portfolio up by 5% to Rs. 326173 cr. ➢Retail Loan Portfolio up by 4% to Rs. 316433 Cr ➢Project Loan Portfolio up by 12% to Rs. 9740 Cr ▪ Q2FY 27 Loan Disbursements Rs. 18127 cr as against Rs.16313 cr, up by 11% ➢Retail Loan Disbursements Rs.17563 cr as against Rs.15935 cr, up by 10% ➢Project Finance Disbursement Rs. 564 Cr as against Rs. 378 cr, up by 49%. ▪ Net Interest Income Rs.2088 cr for Q2 FY2027 as against Rs. 2038 cr for Q2 FY2026 ▪ Net Interest Margins 2.58 % for Q2 FY27 as against 2.62 % for Q2 FY26. ▪ Stage 3 EAD at 2.05 % as on 30.09.2026 as against 2.51 % as on 30.09.2025 . ▪ Total ECL provision stood at Rs.4292 Cr as on 30.09.2026 as against Rs.5074 Cr as on 30.09.2025 Executive Summary – Q2 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 • 297 Area Offices • Rep office in Dubai • 2548 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) 297 Marketing Offices 46 branches of LICHFL Financial Services (100% subsidiary of LICHFL) 10 DIRECT MARKETING EXECUTIVES (Captive Marketing Channel) *Online Loan approvals during FY23 were Rs. Cr Distribution Network *Online Loan approvals during H1FY27 were Rs.1794 Cr
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85% 15% Customer Type (No.) Salaried Self Employed 51.8% 19.5% 2.3% 8.8% 0.2% 17.4% Originations by source HLA DSA CRA DIRECT DME Corporate Agent ₹ 10.0 ₹ 20.0 ₹ 30.0 H1FY26 H1FY27 Incremental Ticket Size (Rs lacs) 43% 84 Offices 57% 213 Offices Top 8 cities & Others Top 8 cities Others 11 Origination Pattern & Average Ticket Size
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Loan Book Composition 30.09.2025 O/s Portfolio Rs. 311816 cr Retail Loans 97.2% Project Loans 2.8% 30.09.2026 O/s Portfolio Rs. 326173 cr 12 Retail Loans 97.0% Project Loans 3.0% Loan Book Composition
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13 Installment to Net Income Ratio On Incremental Sanctions For FY25 43% For FY26 42% For H1FY27 42% Loan To Value Ratio On Incremental Sanctions For FY25 50% For FY26 48% For H1FY27 48% Pure Floating Rate Loans To Outstanding Portfolio As of FY25 99% As of FY26 99% As of H1FY27 99% Prepayment Lump Sum/ opening book For FY25 9.4% For FY26 12.0% For H1FY27 11.9% Individual Loans – Portfolio Stats Individual Loans – Portfolio Stats
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14 Financial Highlights Particulars Q2FY2026 Q2FY2026 Return on Average Equity (%) 14% 15% Return on Average Assets (%) 1.86% 1.74% Earnings per share (on Rs 2 pd up) 27.43 24.61 Capital Adequacy Ratio Tier I Tier II Total March 2026 24.20 1.29 25.48 Sept 2025 22.79 1.43 24.22 Financial Highlights
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15 Particulars Var Q2 FY27 (Rs. Cr) Q2 FY26 (Rs. Cr) Var H1 FY27 (Rs. Cr) H1 FY26 (Rs. Cr) Revenue from Operations 1% 7175.08 7073.86 0% 14236.25 14243.18 Finance cost 1% 5024.15 4996.17 -1% 9972.20 10044.52 Net Interest Income 2% 2087.86 2037.37 1% 4163.38 4102.08 Impairment on Financial Instruments and Net Loss on De-recognition of Financial Instruments -229% (92.57) 71.99 -233% (256.80) 193.66 Profit before Tax 13% 1918.55 1704.71 12% 3806.98 3403.87 Tax Expense 17% 409.77 350.84 17% 809.88 690.08 Net Profit 11% 1508.78 1353.87 10% 2997.10 2713.79 Executive Summary – Q2/FY27
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Particulars Var Q2 FY27 Q2 FY26 Var H1FY27 H1FY26 Disbursements Retail Loans 10% 17563 15935 10% 31704 28895 Project Finance (PF) 49% 564 378 169% 1436 534 Total 11% 18127 16313 13% 33140 29429 Outstanding Portfolio Retail 4% 316433 303084 Project 12% 9740 8732 Total 5% 326173 311816 Net Interest Margins(%) 2.58% 2.62% 2.57% 2.65% Weighted average cost of funds 7.29% 7.42% Yield on advances annualised 9.04% 9.40% Spreads 1.75% 1.98% Rs. cr Executive Summary – Q2/FY27
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Outstanding Borrowings – Rs. 278780 cr Source Wtd Avg Cost (%) Bank (including NHB) 6.92% Non Convertible Debenture 7.71% Tier II 7.30% Commercial Paper 6.69% Deposits 7.35% PTC 7.51% Total 7.29% As on 30.09.2026 Liability Profile During Q2 FY27, Incremental Cost of Funds was 6.91% Bank 38% NCD 45% NHB 9% Others 5% Deposits 3% 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% FY24 FY25 FY26 Q1 FY 27 Q2 FY 27 Others Deposit NHB Bank NCD 7.76% 7.73% 7.27% 7.28% 7.29% Change in Liability Mix- last 5 yrs
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H1FY26 H1FY27 Yield on Advances 9.40% 9.04% Wtd Avg Cost of Funds 7.42% 7.29% 9.40% 9.04% 7.42% 7.29% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10.00% 19 Yield & Cost of Funds on Portfolio
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20 NIMs 2.69% 2.80% 2.58% 2.58% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% Q3FY Y26 Q4FY 26 Q1 FY 27 Q2FY27 NIM’s
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21 Classification of Assets Exposure At Default % Sept-26 Sept-25 Stage 1 95.42% 94.11% Stage 2 2.53% 3.38% Stage 3 2.05% 2.51% Total 100% 100% ECL Provision Sept-26 Sept-25 Stage 1 Rs. 623.07 cr Rs. 506.81 cr Stage 2 Rs. 386.65 cr Rs. 410.46 cr Stage 3 Rs. 3281.86 cr Rs. 4156.49 cr Stage 3-PCR 49% 53% 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