Any current/future new fundraising through debt or equity?

No immediate need for capital infusion is anticipated as the Capital Adequacy Ratio (CAR) is at 24%, which is considered adequate for the next 2 to 3 years. The company has LIC as its promoter, which is well-funded and can provide capital infusion if required. Possible future fundraising methods could include a rights issue or additional infusion from LIC if necessary. Currently, there is no discussion or plan involving a strategic investor or new shareholder. Focus remains on improving growth and operational performance through structural and mindset changes rather than immediate capital rais

Any current/future capex/capital investment/strategic investment?

No capital infusion is currently needed for the next 2 to 3 years as the company's Capital Adequacy Ratio (CAR) stands at 24%, which is considered good enough. If capital is required in the future, LIC (the promoter) is flush with funds and can provide further infusion. Possibility of capital raise via rights issue or capital infusion from LIC if needed. No current discussions or plans related to onboarding new strategic investors or shareholders. The company is focusing on internal restructuring and growth strategies rather than external capital or strategic investment at this point.

Future growth expectations in sales/revenue/volumes?

LIC Housing Finance acknowledges current growth is below market expectations and aims to improve. The company sees potential growth from self-employed and affordable housing segments, moving beyond their traditional salaried prime borrower base. A consultant report (due in 3-4 months) is expected to recommend structural and mindset changes to boost growth. They are revamping marketing strategies and onboarding special institutions to better compete and gain market share. Rate competition is intense; recent rate cuts to 7.15% aim to regain competitiveness. Quarter 4 is expected to be strong in

Future growth expectations in earnings/operating earnings/profits/EPS?

The company expects to end the year with at least a 7% increase in profits, targeting around ₹7,200 crores. (Page 5) Disbursement growth has been in single digits but is expected to improve in Q4, with 35%-37% of business anticipated in this quarter, potentially boosting overall growth. (Page 4, 12, 16) There is conscious effort to diversify business from Individual Home Loans (IHL) to Other Home Loans (OHL) like LAP and LRD, aiming to increase OHL share from around 15% to 17-18%. (Page 14, 16) The company is undertaking structural and mindset changes guided by board and consultants to acceler

Current/ Expected Orderbook/ Pending Orders?

Specific details regarding the current or expected order book or pending orders for LIC Housing Finance Limited are not explicitly mentioned in the provided transcript of the February 02, 2026 call. However, the company discussed growth in disbursements and loan book: - The loan book growth is currently around 5%. - There is an expectation of improved growth in Quarter 4. - Around 30-37% of annual business typically occurs in Q4. The company is seeing increased traction in disbursements post interest rate reduction to 7.15%. The loan portfolio is shifting modestly from individual home lo

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LIC Housing Finance LtdQ4 FY27Finance

LIC Housing Finance Ltd Q4 FY27 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹550P/E: 5.6Market Cap: ₹30.5K CrSector: Finance

Management growth scorecard

Revenue

Category 4

Margin

Category 3

Fundraise

N/A

Order

Capex

N/A

0 of 3 growth signals are positive — mixed outlook.

Full analysis

Revenue guidance

Category 4

→LIC Housing Finance acknowledges current growth is below market expectations and aims to improve.
→The company sees potential growth from self-employed and affordable housing segments, moving beyond their traditional salaried prime borrower base.
→A consultant report (due in 3-4 months) is expected to recommend structural and mindset changes to boost growth.
→They are revamping marketing strategies and onboarding special institutions to better compete and gain market share.
→Rate competition is intense; recent rate cuts to 7.15% aim to regain competitiveness.
→Quarter 4 is expected to be strong in asset quality, margins, business, and loan book growth, with 30-37% of annual business traditionally booked in Q4.
→Growth in Other Home Loans (LAP and LRD) is targeted to increase from ~15% to 17-18% of the book.
→Overall, management is consciously engaged in accelerating growth and expects improved traction in the coming quarters.

Margin guidance

Category 3

→The company expects to end the year with at least a 7% increase in profits, targeting around ₹7,200 crores. (Page 5)
→Disbursement growth has been in single digits but is expected to improve in Q4, with 35%-37% of business anticipated in this quarter, potentially boosting overall growth. (Page 4, 12, 16)
→There is conscious effort to diversify business from Individual Home Loans (IHL) to Other Home Loans (OHL) like LAP and LRD, aiming to increase OHL share from around 15% to 17-18%. (Page 14, 16)
→The company is undertaking structural and mindset changes guided by board and consultants to accelerate growth, expected to have actionable plans by April-May. (Page 14)
→Margins and asset quality are expected to improve in Q4, supporting better overall performance. (Page 17)
→No capital infusion needed next 2-3 years; focus is on sustainable growth and competitive positioning. (Page 13)

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Fundraise plans

→No immediate need for capital infusion is anticipated as the Capital Adequacy Ratio (CAR) is at 24%, which is considered adequate for the next 2 to 3 years.
→The company has LIC as its promoter, which is well-funded and can provide capital infusion if required.
→Possible future fundraising methods could include a rights issue or additional infusion from LIC if necessary.
→Currently, there is no discussion or plan involving a strategic investor or new shareholder.
→Focus remains on improving growth and operational performance through structural and mindset changes rather than immediate capital raising.

Order book

→Specific details regarding the current or expected order book or pending orders for LIC Housing Finance Limited are not explicitly mentioned in the provided transcript of the February 02, 2026 call.
→However, the company discussed growth in disbursements and loan book:
→ - The loan book growth is currently around 5%.
→ - There is an expectation of improved growth in Quarter 4.
→ - Around 30-37% of annual business typically occurs in Q4.
→The company is seeing increased traction in disbursements post interest rate reduction to 7.15%.
→The loan portfolio is shifting modestly from individual home loans (IHL) to other housing loans (OHL) like LAP and LRD, with OHL now constituting approximately 15% of the book.
→There is no direct mention of order book or pending orders figures.

Capex plans

→No capital infusion is currently needed for the next 2 to 3 years as the company's Capital Adequacy Ratio (CAR) stands at 24%, which is considered good enough.
→If capital is required in the future, LIC (the promoter) is flush with funds and can provide further infusion.
→Possibility of capital raise via rights issue or capital infusion from LIC if needed.
→No current discussions or plans related to onboarding new strategic investors or shareholders.
→The company is focusing on internal restructuring and growth strategies rather than external capital or strategic investment at this point.

How does LIC Housing Finance Ltd rank vs peers in Finance?

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1LIC Housing Finance Ltd

Rev 4Mar 3

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