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FUELLING ASPIRATIONS OF OWNING A DREAM HOME
With a proud group of over 30 lakh prudent house owners and a legacy of 36+ years, we, at LIC Housing Finance Limited, assist individuals to realise their dream of home ownership. With a strong business foundation, an extensive distribution network and our proven industry expertise, we are amongst the pioneers in providing access to home finance and also in contributing to economic development.
Incorporated in June 1989, we are one of the largest housing finance companies in India working with the key objective of providing long-term finance to individuals for the purchase or construction of a residential property, with an average ticket size is about ₹ 30 lakh.
We possess one of the industry’s most extensive and widest marketing network with 307 Marketing Offices across the country. In addition, we have engaged Direct Marketing Executives that extend our marketing reach. We have also set up Representative Offices in Dubai to cater to Non-Resident Indians. We also distribute our products through the branches of our subsidiary LIC HFL Financial Services Limited.
OUR END-TO-END FINANCING SOLUTIONS
We provide:
OUR VISION
To be the best Housing Finance Company in India.
OUR MISSION
To provide secured housing finance at affordable cost, maximising shareholder value with higher customer sensitivity.
OUR PASSION AND COMMITMENT
To provide long-term finance to individuals
OUR VALUES
Fair and transparent business practices
Transformation to a knowledge organisation
Higher autonomy in operations
Instilling a sense of ownership amongst employees
BEST-IN-CLASS CREDIT RATING
The Company has received the highest rating from CRISIL and CARE, indicating the highest safety for our ability to repay the principal amount and service the interest.
EASING HOME OWNERSHIP WITH EXTENSIVE DISTRIBUTION NETWORK
Widespread of 307 marketing offices and a representative office in Dubai.
COMPOSITION OF OUR LOAN BOOK
FY 2024-25: PERFORMANCE IN NUMBERS
₹ 3,07,732 crore
Loan Portfolio
₹ 5,429 crore
Profit After Tax
₹ 34,538 crore
Net Worth
23.20%
Capital Adequacy Ratio
1.22%
Net NPA
~30 lakh
Number of customers
2.73%
Net Interest Margin
₹ 64,022 crore
Disbursement
7.73%
Weighted Average Cost of Funds
OUR CUSTOMER TYPE
INCREASE IN INCREMENTAL TICKET SIZE (₹ lakh)
₹ 29.31 lakh
FY 2023-24
₹ 30.74 lakh
FY 2024-25
BREAK-UP OF OFFICES
83 Offices in Top 8 Cities
43%
224 Offices in Other Cities of India
57%
DELIVERING SYNERGISTIC STRENGTHS. DRIVING INCLUSIVE GROWTH.
OUR GROWTH MANTRA
