LIC Housing Finance Ltd
LIC Housing Finance Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management said on revenue, margins and capex.
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LIC Housing Finance Ltd Q4 FY26 key numbers
- Revenue
- Retail disbursements expected to grow around 15%, targeting approximately INR 73,000 crores (up from INR 66,000 crores last year).
As stated in LIC Housing Finance Ltd's Q4 FY26 earnings call transcript · published 31 May 2026. Reported figures, not investment advice.
The short version
LIC Housing Finance targets 10% to 12% loan book growth for the current financial year. LIC Housing Finance Limited targets a loan book growth of 10% to 12% for the current financial year, with retail segment growth budgeted at around 15%.
From LIC Housing Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- LIC Housing Finance targets 10% to 12% loan book growth for the current financial year.
- Retail disbursements expected to grow around 15%, targeting approximately INR 73,000 crores (up from INR 66,000 crores last year).
- Project finance disbursement budget reduced from INR 10,000 crores to INR 4,500 crores, but actual disbursements expected between INR 6,000 crores to INR 7,000 crores due to new credit rating models.
- LRD and LAP segments witnessed 25% growth last year; further acceleration expected.
- Initiatives include co-lending, new business aggregators, and increasing marketing staff by 200 hires to boost disbursements.
2 more points from LIC Housing Finance Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- LIC Housing Finance Limited is setting up a separate affordable housing vertical, modeled similarly to PNB's "Roshni" vertical. This will involve hiring new personnel experienced in affordable housing for sourcing, credit appraisal, recovery, and collection.
- The company plans to onboard about 200 new people in the marketing vertical by the end of Q1, which will be around 7-8% of total staff, to enhance business sourcing and growth.
- A new co-lending and direct assignment policy has been formulated to pursue growth through partnerships especially in retail and selectively in project finance segments.
- Technology investment: Launched a straight-through process in February 2026 for machine-enabled credit appraisal to reduce manual intervention and improve customer experience.
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Fundraising & Capital Structure
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Order Book & Pipeline
2 more points from LIC Housing Finance Ltd's call on order book
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Frequently Asked Questions
What were LIC Housing Finance Ltd Q4 FY26 results?
LIC Housing Finance targets 10% to 12% loan book growth for the current financial year. LIC Housing Finance Limited targets a loan book growth of 10% to 12% for the current financial year, with retail segment growth budgeted at around 15%.
What is LIC Housing Finance Ltd share price analysis?
LIC Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 4.9 with a market cap of ₹28,166 Cr. Investors should review the full earnings analysis for detailed insights.
Is LIC Housing Finance Ltd planning capital expenditure?
LIC Housing Finance Limited is setting up a separate affordable housing vertical, modeled similarly to PNB's "Roshni" vertical.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.