LIC Housing Finance Q2 FY27 consolidated PAT Rs 1,506.59 crore, up 11.7% YoY
LIC Housing Finance’s consolidated total income was Rs 7,194.43 cr in Q2 FY27 with PAT of Rs 1,506.59 cr versus Rs 1,349.37 cr a year earlier.
Key takeaways
- Total income Rs 7,194.43 cr in Q2 FY27 vs Rs 7,090.44 cr in Q2 FY26
- PAT Rs 1,506.59 cr in Q2 FY27 vs Rs 1,349.37 cr a year earlier
- Finance costs Rs 5,022.76 cr vs Rs 4,995.16 cr in the year-ago quarter
- Total expenses Rs 5,275.24 cr vs Rs 5,387.46 cr in Q2 FY26
- EPS Rs 27.39 vs Rs 24.53 on a face value of Rs 2 per share
Q2 FY27 · consolidated
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 7,194.22 cr | Rs 7,089.80 cr | +1.5% |
| PAT | Rs 1,506.59 cr | Rs 1,349.37 cr | +11.7% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 20.94% of revenue, up 190 bps from 19.03%.
- Revenue rose 1.5% while total expenses fell 2.1%.
- Finance costs took 69.8% of revenue, against 70.5% a year earlier.
Key consolidated Q2 FY27 numbers (statement of financial results, consolidated):
- Total Income: Rs 7,194.43 cr (Q2 FY26: Rs 7,090.44 cr)
- Total Revenue from operations: Rs 7,194.22 cr (Q2 FY26: Rs 7,089.80 cr)
- Finance costs: Rs 5,022.76 cr (Q2 FY26: Rs 4,995.16 cr)
- Employee Benefits expenses: Rs 155.69 cr (Q2 FY26: Rs 160.71 cr)
- Depreciation, amortisation and impairment: Rs 29.47 cr (Q2 FY26: Rs 32.33 cr)
- Other expenses: Rs 115.64 cr (Q2 FY26: Rs 88.49 cr)
- Total Expenses: Rs 5,275.24 cr (Q2 FY26: Rs 5,387.46 cr)
- Profit Before Tax: Rs 1,919.99 cr (Q2 FY26: Rs 1,703.00 cr)
- Tax expense: Rs 413.40 cr (Q2 FY26: Rs 353.63 cr)
- Profit after Tax: Rs 1,506.59 cr (Q2 FY26: Rs 1,349.37 cr)
- Total Comprehensive Income: Rs 1,508.26 cr (Q2 FY26: Rs 1,351.40 cr)
- Earnings Per Share (Basic and Diluted, face value Rs 2): Rs 27.39 (Q2 FY26: Rs 24.53)
For the half year ended September 30, 2026 on a consolidated basis, as per the statement of financial results, total income was Rs 14,278.30 cr compared with Rs 14,276.91 cr in the half year ended September 30, 2025. Profit before tax for the half year was Rs 3,821.17 cr versus Rs 3,407.60 cr a year earlier, while profit after tax was Rs 3,005.62 cr compared with Rs 2,713.37 cr.
Within revenue from operations for Q2 FY27, interest income stood at Rs 7,121.55 cr against Rs 7,041.91 cr in the corresponding quarter of the previous year. Fees and commission income was Rs 22.54 cr versus Rs 23.21 cr, and other operating income was Rs 50.13 cr versus Rs 13.53 cr. Net gain on fair value changes for the quarter is shown as “-” in the current column and Rs 11.15 cr in the corresponding quarter a year earlier.
On the expense side in Q2 FY27, finance costs were Rs 5,022.76 cr compared with Rs 4,995.16 cr in Q2 FY26. Fees and commission expense was Rs 38.66 cr versus Rs 31.95 cr. Impairment on financial instruments is reported at Rs (92.57) cr in Q2 FY27 compared with Rs 71.99 cr in Q2 FY26. Depreciation, amortisation and impairment was Rs 29.47 cr versus Rs 32.33 cr, while other expenses were Rs 115.64 cr versus Rs 88.49 cr.
Share of profit of associates contributed Rs 0.80 cr in Q2 FY27, compared with Rs 0.02 cr in Q2 FY26. Profit after tax attributable to owners of the company was Rs 1,506.45 cr in Q2 FY27 versus Rs 1,349.25 cr a year earlier, with Rs 0.14 cr attributable to non-controlling interest versus Rs 0.12 cr.
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