# LIC Housing Finance

> Housing finance. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/lichfl

## Loan book

- ₹3.21 lakh crore on 31 March 2026, the end of FY2025-26 (Outstanding loans).
- ₹3.26 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: LIC Housing Finance Investor Presentation Q4 FY26, PDF page 18: https://nsearchives.nseindia.com/corporate/LICHSGFIN_13052026230529_Investor_Presentation_March26.pdf

## Findings

- Grew 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.
- Growth slowed to 4.2% in FY2025-26, from 7.3% the year before.
- Held its place as the biggest of these 7 housing finance companies from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Retail: ₹3.16 lakh crore (97%)
- Project: ₹9,740 crore (3%)

Source: LIC Housing Finance Investor Update Q2 FY27, PDF page 17: https://nsearchives.nseindia.com/corporate/LICHSGFIN_30102026214943_Investor_update_Combine.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 2,51,120 | 2,75,047 | 2,86,844 | 3,07,732 | 3,20,707 | 3,26,173 |
| Branches (Number) | 282 | 281 | 310 | 307 | 303 | 297 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "300000 251120 50000" (LIC Housing Finance Investor Presentation Q4 FY26, PDF page 8) https://nsearchives.nseindia.com/corporate/LICHSGFIN_13052026230529_Investor_Presentation_March26.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Outstanding Loan Portfolio 286844 275047 4%" (LIC Housing Finance Investor Presentation Q4 FY24, PDF page 26) https://nsearchives.nseindia.com/corporate/LICHSGFIN_15052024224333_Submission_Investor_Presentation_March2024.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Outstanding Loan Portfolio 286844 275047 4%" (LIC Housing Finance Investor Presentation Q4 FY24, PDF page 26) https://nsearchives.nseindia.com/corporate/LICHSGFIN_15052024224333_Submission_Investor_Presentation_March2024.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Total 4% 320707 307732" (LIC Housing Finance Investor Presentation Q4 FY26, PDF page 18) https://nsearchives.nseindia.com/corporate/LICHSGFIN_13052026230529_Investor_Presentation_March26.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Total 4% 320707 307732" (LIC Housing Finance Investor Presentation Q4 FY26, PDF page 18) https://nsearchives.nseindia.com/corporate/LICHSGFIN_13052026230529_Investor_Presentation_March26.pdf
- Loan book, 30 Sep 2026: "Total 5% 326173 311816" (LIC Housing Finance Investor Update Q2 FY27, PDF page 17) https://nsearchives.nseindia.com/corporate/LICHSGFIN_30102026214943_Investor_update_Combine.pdf
- Branches, FY2021-22 (31 Mar 2022): "The distribution network of the Company consists of 282 Marketing Offices and 1 Customer Service Point." (LIC Housing Finance Annual Report FY22, PDF page 48) https://nsearchives.nseindia.com/annual_reports/AR_21367_LICHSGFIN_2021_2022_05092022173922_09052022180018.zip
- Branches, FY2022-23 (31 Mar 2023): "Offices, 281 Marketing Offices, 24 Back Offices to manage" (LIC Housing Finance Annual Report FY23, PDF page 43) https://nsearchives.nseindia.com/annual_reports/AR_22648_LICHSGFIN_2022_2023_04082023184508_08042023190004.zip
- Branches, FY2023-24 (31 Mar 2024): "310 Area Offices" (LIC Housing Finance Investor Presentation Q4 FY24, PDF page 11) https://nsearchives.nseindia.com/corporate/LICHSGFIN_15052024224333_Submission_Investor_Presentation_March2024.pdf
- Branches, FY2024-25 (31 Mar 2025): "307 Area Offices" (LIC Housing Finance Investor Presentation Q4 FY25, PDF page 11) https://nsearchives.nseindia.com/corporate/LICHSGFIN_15052025213646_Investor_presentation_March25.pdf
- Branches, FY2025-26 (31 Mar 2026): "303 Area Offices" (LIC Housing Finance Investor Presentation Q4 FY26, PDF page 11) https://nsearchives.nseindia.com/corporate/LICHSGFIN_13052026230529_Investor_Presentation_March26.pdf
- Branches, 30 Sep 2026: "297 Area Offices" (LIC Housing Finance Investor Update Q2 FY27, PDF page 10) https://nsearchives.nseindia.com/corporate/LICHSGFIN_30102026214943_Investor_update_Combine.pdf

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