LIC Housing Finance logo

LIC Housing Finance share price

NSE: LICHSGFINBSE: 500253FinanceSmall Cap

LIC Housing Finance Limited · Face value ₹2 · Listed Nov 1994 on BSE, Jul 1998 on NSE
Last close ₹510.15up ₹0.15 (0.03%)BSE ₹510.05

Share price at the NSE close on 28 Oct 2026. Previous close ₹510.00.

28 Oct: open ₹511.00, high ₹513.00, low ₹502.50

52-week range of traded prices to 28 Oct 2026
₹458.90Low, 23 Mar 2026₹598.20High, 11 May 2026
Market cap
₹28,061 Cr270th largest listed
P/E
4.89
P/B
0.68
Dividend yield
1.96%
ROE
14.8%
NIM
2.68%
Cost of funds
7.22%
Credit cost
0.18%
ROA
1.75%
Leverage
8.22times net worth
Volume, NSE
7,00,02037.2% delivered

LIC Housing Finance share price chart

Daily closes since Jan 2007, adjusted for splits and bonuses

−12.9%over a year

Results20-session average 33,36,658 shares a day, 46.1% delivered

About LIC Housing Finance

LIC Housing Finance Limited is a housing finance company, registered with the National Housing Bank, that lends to individuals across India to buy, build, extend and renovate homes.12 It also lends to property developers for residential projects, and offers loans against property and lease rental discounting (loans repaid from the rent a property earns).1 It is based in Mumbai.3

Besides home loans, its products include Home Construction Loans, Home Renovation Loans and My Office Loan Against Property for professionals and entrepreneurs, and its HOMY app signs up home loan and deposit customers.45 It serves over 15 lakh active customers and homebuyers.6 A representative office in Dubai serves Non-Resident Indians.2

The company was incorporated in 1989, began lending from its first office in Delhi and went public in 1994; its shares are listed on the NSE and BSE.78 Its promoter, Life Insurance Corporation of India, held 45.24% of its shares at the end of June 2026 and nominates its chairman and its managing director and CEO.910 Its wholly owned subsidiary LICHFL Financial Services markets its home loans alongside insurance, mutual funds and deposits, and the company holds 30.33% of LIC Mutual Fund's asset management company.11

LIC Housing Finance key points

Results

  • In the quarter to Jun 2026, profit after tax rose 9.4% to ₹1,488.32 crore from ₹1,359.92 crore, while revenue from operations was ₹7,062 crore against ₹7,169 crore a year earlier.12
  • Net interest income (interest earned on loans minus interest paid on borrowings) was ₹2,075.52 crore in the quarter to Jun 2026, against ₹2,064.71 crore; net interest margin (that income as a share of loans) was 2.58%, against 2.68%.13
  • On a standalone basis, in the year to Mar 2026 revenue from operations rose 3% to ₹28,764 crore from ₹28,037 crore, and net interest income 4% to ₹8,425 crore from ₹8,126 crore. Profit after tax rose 3.06% to ₹5,595.15 crore from ₹5,429.02 crore.1415
  • For the year to Mar 2026, the board recommended a dividend of 500% of face value, ₹10 per equity share, the same payout as the previous year.16

Loan book and deposits

  • The loan portfolio rose 4% to ₹3,22,098 crore at the end of June 2026, with individual home loans up 4% at ₹2,71,979 crore.17
  • Share of the loan book by type18
    ItemJun 2026Jun 2025
    Individual home loans84.4%84.8%
    Other loans to individuals11.3%10.7%
    Project loans to developers3.0%2.9%
    Other loans to companies1.3%1.6%
  • Disbursements (new loans paid out) rose 14.5% to ₹15,014 crore in the quarter to Jun 2026 from ₹13,116 crore; individual home loans rose 8% to ₹12,119 crore and other loans to individuals 20% to ₹1,975 crore.19

Asset quality

  • At the end of June 2026, stage 3 loans (in default) were 2.14% of exposure at default (the amount owed), against 2.62% a year earlier; provisions covered 48% of them. Expected credit loss provisions (money set aside for likely loan losses) totalled ₹4,398 crore.20
  • Gross non-performing assets (loans on which borrowers have stopped paying) fell to ₹6,903 crore, 2.15% of the loan portfolio, at the end of March 2026 from ₹7,598 crore (2.47%) a year earlier. Net of provisions they were ₹3,440 crore, or 1.08%.21

Borrowings and capital

  • Borrowings by source, end of June 202622
    ItemJun 2026
    Non-convertible debentures46%
    Banks37%
    National Housing Bank8%
    Others5%
    Deposits4%
    Borrowings totalled ₹2,76,801 crore, and new borrowing in the quarter to Jun 2026 cost 7.06% on average.
  • The capital adequacy ratio (capital as a share of risk-weighted loans) was 25.48% at the end of March 2026, against 23.20% a year earlier and a regulatory minimum of 15%.23
  • Its non-convertible debentures (bonds sold to investors) carry AAA ratings, the highest, from CRISIL and CARE Ratings, and ICRA rates its commercial paper (short-term borrowing) A1+.2425

Branches and reach

  • At the end of March 2026, its network had 10 regional offices, 303 marketing offices, 23 back offices and 39 cluster offices.26
  • The share of home loan business sourced through the HOMY app rose to 9.72% in the year to Mar 2026 from 5.80% a year earlier.27

What the company expects

  • The company stated in its annual report for the year to Mar 2026 that it aims for 10% loan book growth and low double-digit growth in assets under management (the loans it manages) in the year to Mar 2027.28
  • The company stated in its annual report for the year to Mar 2026 that it plans to raise the share of higher-yielding non-housing retail loans and deepen its reach in Tier II and Tier III cities in the year to Mar 2027.29
  • The company stated in its annual report for the year to Mar 2026 that it aims to raise digital onboarding of customers to more than 15%, including through its HomY app, in the year to Mar 2027.30
  • The company stated in its annual report for the year to Mar 2026 that it plans to add over 5,000 new marketing intermediaries (agents who bring in loan customers).31

Recent events

  • Sanjay Dayal, appointed Chief Operating Officer to prepare the handover from Managing Director and CEO T Adhikari, whose retirement from LIC of India was impending, died on 9 May 2026. The board then named Sandeep Kumar, deputed by LIC of India, Chief Operating Officer.32
  • R Doraiswamy became the company's non-executive chairman on 16 Oct 2025.33

Litigation and regulatory matters

  • In its exchange filing of 27 Aug 2026, on media reports that the National Company Law Tribunal had approved Subhash Chandra's repayment plan, the company said he guarantees 2 of its loan accounts, it keeps its security, and the borrowers' liabilities are unaffected.3435
  • On 29 Dec 2025 the company received a demand of ₹43,65,487.00 in goods and services tax and ₹48,39,993.00 in penalty for April 2018 to March 2023 in Jharkhand. It is appealable; the company reported no material impact, and its documents give no later outcome.36

Results

Consolidated; ₹ crore. Income from operations is what the business earns: interest on loans, fees, dividends and the rest.LIC Housing Finance quarterly results

Income from operations growth, 12 months
+0.4%
Net profit growth, 12 months
+4.3%

Quarter to Jun 2026, against the quarter before

Income from operations
₹7,083 Crdown 1.79%
Net profit
₹1,499 Crup 0.43%

Income from operations by quarter

₹6,938 CrSep 24₹7,070 CrDec 24₹7,306 CrMar 25₹7,250 CrJun 25₹7,179 CrSep 25₹7,209 CrDec 25₹7,212 CrMar 26₹7,083 CrJun 26
Peak income from operations ₹7,306 Cr, quarter to Mar 2025; lowest ₹6,938 Cr, quarter to Sep 2024

Net profit by quarter, a loss in red

₹1,328 CrSep 24₹1,435 CrDec 24₹1,374 CrMar 25₹1,364 CrJun 25₹1,349 CrSep 25₹1,398 CrDec 25₹1,493 CrMar 26₹1,499 CrJun 26
₹ croreSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Income from operations6,9387,0707,3067,2507,1797,2097,2127,083
Net profit1,3281,4351,3741,3641,3491,3981,4931,499
Consolidated. The last eight quarters. The latest is shaded. Net profit is the whole group's, the other owners of its subsidiaries included; P/E and ROE use the company's own share.

Business segments

Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit

  • LOANS₹28,772 Crup 2.55%99.5%
  • OTHERS₹141 Cr0.5%
The pill is the change in revenue on the year before; the share is of all the businesses together.

Valuation

Today, against the company's own history.LIC Housing Finance PE ratio and valuation

Price to earnings

At or below today's level on 3% of 2,268 trading days over the last 10 years.

LowestHighest
Its median7.54Industry median12.56
Price to book

At or below today's level on 2% of 1,936 trading days since Oct 2018.

LowestHighest
Its median0.92Industry median1.51
Dividend yield

At or below today's level on 69% of 2,446 trading days over the last 10 years.

LowestHighest
Its median1.75%Industry median1.64%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend yield
1 year−10.1%+3.0%−14.7%2.0%
3 years+16.4%+24.7%−8.1%1.8%
5 years+5.0%+13.4%−9.2%2.0%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.LIC Housing Finance shareholding pattern

Shareholding by group

  • Promoters45.24%
  • Foreign institutions18.93%
  • Indian institutions21.64%
  • Individuals and others14.19%
Holder
LIFE INSURANCE CORPORATION OF INDIAPromoter45.24%
BANK MUSCAT INDIA FUNDForeign portfolio investors, category II2.09%
GOVERNMENT PENSION FUND GLOBALForeign portfolio investors, category I1.98%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters unchanged, foreign institutions −2.54 pts, Indian institutions +0.62 pts, mutual funds +0.16 pts.

Mutual fund holdings

162 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 99 of the 117 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future. 1 more fund filed its first portfolio on record, holding it.All 162 funds holding LIC Housing Finance

Bought for the first time
4
Bought again
4
Added
67
Cut
50
Held unchanged
36
Sold out
2
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

LIC Housing Finance competitors and peers

Housing Finance Company, 19 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to LIC Housing Finance in market cap.Finance companies

Where the company sits among the companies nearest its size

Return on equity across, P/E up, size is market cap
Company
Bajaj Housing Finance logoBajaj Housing FinanceBAJAJHFL64,55923.002.69+17.2%+18.9%12.4%2.23%3.29%0.00%
PNB Housing Finance logoPNB Housing FinancePNBHOUSING29,26212.641.52+9.8%+13.7%12.8%2.60%3.67%0.71%
Aadhar Housing Finance logoAadhar Housing FinanceAADHARHFC18,87316.542.50+17.7%+20.2%16.4%4.33%8.09%0.00%
Sammaan Capital logoSammaan CapitalSAMMAANCAP13,514–0.71−17.1%–−35.5%−9.89%−0.06%0.00%
Home First Finance Company India logoHome First Finance Company IndiaHOMEFIRST10,60717.122.27+19.2%+36.9%14.3%3.95%6.99%0.51%
Aptus Value Housing Finance India logoAptus Value Housing Finance IndiaAPTUS9,94710.101.97+22.9%+23.3%21.0%7.76%11.34%2.27%
Can Fin Homes logoCan Fin HomesCANFINHOME9,6588.381.51+7.9%+25.1%19.4%2.54%3.84%2.07%
Aavas Financiers logoAavas FinanciersAAVAS8,85012.561.64+12.1%+16.8%14.0%3.29%6.75%0.00%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

Dividends

Per share, by the year it was paid for, and the latest payments.LIC Housing Finance dividend history

Dividend per share, ₹, restated for later splits and bonuses

6.2Mar 176.8Mar 187.6Mar 198Mar 208.5Mar 218.5Mar 228.5Mar 239Mar 2410Mar 2510Mar 26
Highest ₹10.00 a share, years to Mar 2025 and Mar 2026.
Ex-dateTypePer share
21 Aug 2026Final₹10.00
22 Aug 2025Final₹10.00
23 Aug 2024Final₹9.00
18 Aug 2023Final₹8.50
19 Sep 2022Final₹8.50
16 Sep 2021Final₹8.50
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.LIC Housing Finance announcements

LIC Housing Finance share price by year

Each calendar year to 2025.LIC Housing Finance share price history

YearClose at year endChangeHighest closeLowest close
2025539.55−9.8%638.25496.90
2024598.05+11.6%816.35557.60
2023536.10+29.4%540.45318.65
2022414.15+12.0%440.35296.45
2021369.65+2.3%530.20343.50
2020361.25−16.8%478.40192.30
2019434.15−11.2%571.70361.90
2018488.70−13.3%583.90398.70
2017563.50+0.7%781.20516.95
2016559.70+9.7%615.65391.35
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.

Recent sessions

The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
27 Oct 2026499.10517.70499.00510.00511.2346,87,40760.9%
26 Oct 2026490.00503.50485.20497.40496.8017,96,88941.7%
23 Oct 2026503.40504.50487.10490.00493.9216,57,37934.0%
22 Oct 2026505.00505.35497.70502.00500.797,86,92937.5%
21 Oct 2026512.60515.80501.65503.75506.2516,33,31350.8%
19 Oct 2026522.00523.80510.80511.50517.338,32,22844.6%
16 Oct 2026535.60536.00520.00521.00524.5119,70,06452.1%
15 Oct 2026533.00537.90530.10533.20534.2414,22,77043.8%
14 Oct 2026562.00562.00533.75535.00541.1060,04,60533.8%
Prices in ₹ per share as traded, not adjusted.

Price adjustments

What the price chart is corrected for, so it reads as one share held throughout.Stock split history

Ex-dateEventPrice factorWhat happened
30 Dec 2010Split0.2000Each share became 5.
29 Oct 2007Price move–Between two trading sessions the price moved by a fifth or more. No corporate action is on record. Not adjusted for.
Earlier prices are multiplied by the factor, so the chart reads as one share held throughout. Any other event is noted and not adjusted for.

Company details

Chairperson
R Doraiswamy
At the end of the quarter to Sep 2026
NSE symbol
LICHSGFIN
BSE code
500253
ISIN
INE115A01026
Industry
Finance
CIN
L65922MH1989PLC052257
Corporate identity number, the registrar of companies' code for it
Incorporated
1989
Registered office
Bombay Life Building, 2nd Floor, 45 / 47, Veer Nariman Road, Mumbai 400001, Maharashtra
Share registrar
MUFG Intime India Pvt. Ltd
Keeps the register of shareholders and handles transfers and dividend payments