POISED TO SCALE.PRIMED FORTHE FUTURE.

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.

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

Understanding the emotions of our customers

Our Journey of Evolution

1989

Year of incorporation
Lending commences from first office in Delhi

1994

Launched IPO of ₹ 120 crore

2002

Achieved credit rating of AAA
Set up a representative office in Dubai, marking its first presence in the overseas market

2004

Loan portfolio crossed ₹ 10,000 crore
Emerged as the first Housing Finance to come out with a US$ 29 million GDR issue which was over-subscribed

2009

Launched a QIP of US$ 135 million, which was over-subscribed by six times

2012

Received the award for being the best Housing Finance Company from CNBC-TV18
Received the award “Best in Home Finance” from the construction industry

2014

Received an award for being the Best Housing Finance Company from ABP News

2015

Loan portfolio cross ₹ 1 lakh crore
Won award for Best HFC by BFSI Awards
Won an award for Best Data Quality in HFC by CIBIL

2016

Received the Outlook Money Award for Best HFC
Won the award for Best HFC by ABP News
Won the Asia Pacific Entrepreneurship Award
Won the Power Brands Award by Franchise India

2017

Crossed Loan Portfolio of ₹ 1.5 lakh crore
Received the Outlook Money Award for Best HFC
Won BFSI Best CEO Award from Business Today

2018

Profiled in India’s leading BFSI Companies 2018 by Dun & Bradstreet

2019

Crossed Loan Portfolio of ₹ 2 lakh crore
Voted as Brand of the Decade 2019 by BARC Asia

2020

Ranked as the Best Private Issuer 2019 on Electronic Bidding Platform by National Stock Exchange
Received Data Quality Award by Transunion CIBIL in the Housing Finance Company category at the TU CIBIL Annual Conference 2019
Awarded the ‘Best Housing Finance Company’ at the National Real Estate Congress Leadership & Awards, 2019
Listed as ‘The Outperforming Housing Finance Company 2019’ by Outlook Business
Featured amongst the Top 10 Most Consistent Wealth Creators according to the “Motilal Oswal 24th Annual Wealth Creation Study, 2019”

2022

Won the Global CSR, Excellence & Leadership Award 2021-22

Recognised as one of the “The Best Organisation for Women” by Economic Times
Economic Times awarded LIC HFL as one of the “Best Brands for 2021”
Recognised by Kendriya Sainik Board for valuable contribution in the past to Veer Naaris

2023

Introduced Cluster-driven Hub-and-Spoke Model for faster TAT in loan disbursements

2024

Restructured the marketing set-up by opening 46 new Marketing Offices and 44 new Cluster Offices and increasing our network to 450 centres from 314 centres in the previous financial year

2025

Crossed ₹ 3 lakh crore in Total Portfolio and ₹ 5,000 crore in Net Profit

01/17

1989

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2015

2016

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2018

2019

2020

2022

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2024

2025

MESSAGE FROM THE BOARD OF DIRECTORS

During the year, we further consolidated our position as India’s largest housing finance company, and the No. 1 company with a Loan Book of ₹ 3,07,732 crore with a much larger footprint across India. We built a huge base of customers and a growing outstanding loan book, strengthened distribution with 10,000+ hands, and focussed on growth and digital transformation.

The Board of LIC Housing Finance Limited

LETTER BY THE MANAGING DIRECTOR

In the Fiscal Year 2024-25, the Company delivered an all-round performance. For the year ended 31^st March, 2025, Total Loan Disursements stood at ₹ 64,022 crore, growing by 9% YoY.

Tribhuwan Adhikari Managing Director LIC Housing Finance

OUR CUSTOMER -CENTRIC APPROACH

Our customers are our best brand advocates. We are on a journey with a singular commitment to delight the customer with our cutting-edge products and new industry benchmarks.