CreditBrief

What LIC Housing Finance lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.26 lakh crore (+1.7% since March).

LIC Housing FinanceHousing finance

₹3.21lakh croreoutstanding loans on 31 Mar 2026: lent and not yet repaid

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Size among peers1stof 7 housing finance companies on CreditBrief, March 2026
Biggest segment97%Retail, latest split (30 Sep 2026)
Share of the combined book48.3%of all housing finance companies on CreditBrief

Chapter 01 · The loan book

₹3.21 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in LIC Housing Finance's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from retail down, and you get ₹3.21 lakh crore. By 30 Sep 2026 it was ₹3.26 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

97%People and households₹3.16 lakh croreRetail
3%Businesses₹9,740 croreProject

Drilling down: what it lends against · 30 Sep 2026

  • Retail₹3.16 lakh crore97%
  • Project₹9,740 crore3%

The filing gives outstanding loans, not AUM, and does not split retail into home loans and loans against property.

Sources: LIC Housing Finance Investor Presentation Q4 FY26, PDF page 18 ↗ for March 2026; LIC Housing Finance Investor Update Q2 FY27, PDF page 17 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 6.3% a year since March 2022.

From ₹2.51 lakh crore on 31 March 2022 to ₹3.21 lakh crore on 31 March 2026, and ₹3.26 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights12 figures from 6 filings · each checked against its pageHow it works
LIC Housing Finance · loan book · 31 March 2026₹3.21lakh crore+4.2% in FY2025-26₹3.26 lakh crore by 30 Sep 2026
  1. 016.3%a year since 2022Grew 6.3% a year from March 2022 to March 2026, faster than 0 of the 6 other housing finance companies with like-for-like figures for those years.
  2. 024.2%in FY2025-26Growth slowed to 4.2% in FY2025-26, from 7.3% the year before.
  3. 03Biggestamong peersHeld its place as the biggest of these 7 housing finance companies from March 2022 to March 2026.
Branches303-1.3% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · outstanding loans2,51,1202,75,0472,86,8443,07,7323,20,7073,26,173
BranchesNumber282281310307303297

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at LIC Housing Finance, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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CreditBrief Insightsto you

LIC Housing Finance, Q2 FY2026-27: loan book ₹3.26 lakh crore, +1.7% since March

  • ₹3.26 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Retail, 97% of the book
  • Every figure links to page 17 of its filing

Chapter 03 · Among its peers

1st biggest of 7 housing finance companies we cover, March 2026.

At the end of FY2025-26 it held 48.3% of the combined loan book of the housing finance companies on CreditBrief. NBFCs and housing finance companies report assets under management.

  1. 1LIC Housing Finance₹3.21 lakh crore
  2. 2Bajaj Housing Finance₹1.41 lakh crore
  3. 3PNB Housing Finance₹90,921 crore
  4. 4Can Fin Homes₹42,209 crore
  5. 5Aadhar Housing Finance₹30,571 crore
  6. 6Aavas Financiers₹23,452 crore
  7. 7Home First Finance Company₹15,878 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at LIC Housing Finance

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Chapter 05 · Sources

Every number, traced to its filing.

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