Mumbai, May 14 -- LIC Housing Finance on Wednesday reported a 9 per cent rise in both Profit Before Tax (PBT) and Net Profit After Tax (PAT) for Q4

FY26, driven by growth in loan disbursements and improved asset quality.

The company's PBT for Q4 FY26 stood at Rs 1,934.24 crore against Rs 1,769.58 crore in Q4 FY25. PAT during the quarter rose to Rs 1,497.41 crore from Rs 1,367.96 crore in Q4 FY25.

Total disbursements in Q4 FY26 jumped 10 per cent to Rs 21,019 crore from Rs 19,156 crore a year earlier. Disbursements in the individual home loan segment rose 8 per cent to Rs 16,672 crore, while

non-housing individual loans grew 25 per cent to Rs 3,348 crore. Project loan disbursements stood at Rs 847 crore against Rs 875 crore in the year-ago period.

Revenue from operations in Q4 FY26 stood at Rs 7,194.34 crore against Rs 7,281.17 crore in Q4 FY25.

Net Interest Income (NII) increased 3 per cent to Rs 2,221.78 crore from Rs 2,165.33 crore in Q4 FY25. Net Interest Margin (NIM) for the quarter stood at 2.80 per cent compared with 2.85 per cent in Q4 FY2025 and 2.69 per cent in Q3 FY2026.

The individual home loan portfolio stood at Rs 2,70,893 crore as on March 31, 2026, up 4 per cent from Rs 2,61,562 crore a year ago. The project loan portfolio was at Rs 9,190 crore against Rs 9,213 crore last year, while the total outstanding portfolio grew 4 per cent to Rs 3,20,707 crore from Rs 3,07,732 crore.

Under the Expected Credit Loss (ECL) methodology followed under IndAS norms, provisions stood at Rs 4,568.62 crore as on March 31, 2026, compared with Rs 4,899.03 crore a year ago. Stage 3 Exposure at Default improved to 2.16 per cent from 2.47 per cent as on March 31, 2025, and 2.45 per cent as on December 31, 2025.

For the full fiscal FY26, the company reported a 3 per cent rise in PBT to Rs 7,080.62 crore from Rs 6,855.81 crore in FY25. PAT for the year increased 3 per cent to Rs 5,595.15 crore from Rs 5,429.02 crore in FY25.

Annual disbursements rose 4 per cent to Rs 66,544 crore, while revenue from operations grew 3 per cent to Rs 28,764.63 crore. NII for the year stood at Rs 8,424.52 crore, up 4 per cent year-on-year.

The company reported earnings per share of Rs 101.72 for FY26 against Rs 98.70 in FY25. The Board of Directors recommended a dividend of 500 per cent, or Rs 10 per share.

Published by HT Digital Content Services with permission from Millennium Post.