Investor Presentation on the Results for Q2 2026-27

1lucHFL LIC HOUSING FINANCE LTD 30th October, 2026 The Manager, The General Manager, Listing Department, Department of Corporate Services-Listing Dept., National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, 5u, Floor, 25° 1 Floor, Phiroze Jeejeebhoy Towers, Plot No. C/1, G Block, Bandra-Kurla Complex, Dalal Street, Bandra (E), Mumbai - 400 051 Mumbai - 400 001. Scrip ID: LICHSGFIN EQ Scrip Code: 500253 Email: cmlist@nse.co.in Email: corp.relations@bseindia.com Dear SufMadam, Re.:-Investor Presentation for Second Quarter Ended September 30, 2026. With respect to the captioned subject the Investor Presentation pertaining to the Second Quarter ended September 30, 2026 has been uploaded on the official website of LIC Housing Finance Limited and may be accessed on the following web link. Link:- https://www.lichousing.com/jnvestors/investor-update Please take the above information on record and arrange for dissemination. Yours faithfully, ~ --· ~ For LIC Housing Finance Limited 0~~~, ,i o ._..o _,< co~ o< ',r " ·r·" 'c" t .. ., >> _> - ,} ,, : 0 ~ r,,,' ' Varsha Hardasani • 017 it Company Secretary and Compliance O icer CIN NO. : L65922MH1989PLC052257 Website : www.lichousing.com Registered & Corporate Office: UC Housing Finance Ltd., 131, Maker Tower-F, 13th Floor, Cuffe Parade, Mumbai - 400005 Tel: +9122 2217 8600, Fax: +9122 2217 8777, E-mail: lichousing@lichousing.com LI HOUSING FINANCE LTD Investor Update Q2 FY 2027 LICHFL: A Journey of 37 Years…… 2025 Crosses ₹ 3 lakh cr in portfolio & ₹ 5000 Cr Profit 2024 Crossed Rs. 4000 Cr in Profit 2019 Crossed ₹ 2,00,000 Cr in Assets & ₹ 2000 Cr Profit 2015 2022 Crosses ₹ 1 lakh cr Crossed ₹ 2,50,000 Cr in Assets in portfolio 2017 2011 Crossed ₹ 150,000 cr in Crossed ₹ assets 2013 50,000 Cr loan Crossed ₹ 1000 cr profit & portfolio 2007 ₹ 75,000 Cr assets Launch of Fixed 2009 Deposit Program Crossed ₹ 500 crs profit “Sanchay Deposit” 2004 2002 GDR Issue AAA Rating 1994 1989 Incorporated Awards & Achievements 2017 2019 2022 2023 Outlook Money-Best HFC’ Voted as the ‘Brand of “Best Organisation for “Winner of Indian the Decade 2019’ by Women 2022” award by Chamber of Commerce Business Today BFSI BARC Asia ‘The Economic Times’ Social Impact Awards Best CEO 2023 under Empowering NSE for Best Issuer “BEST CSR” Award in the Rural Population” NSE for highest Debt on EBP the11thEdition of Global category Issuance CSR Excellence & Leadership Awards 2024 2024 2025 2026 “Best CSR Team of “Winner of the Awarded as Best Awarded the “Best the Year and Best Use of Corporate Bond Private Housing Finance Housing Finance CSR Practices in Various Placement- Private Company at the Company” for the Sectors” in UBS Forums’ Issuer of the Year” by Excellence awards second consecutive 10th Edition CSR “Assocham” 2024-25 by NHB year by NHB Summit and Awards 2024 Shareholding Pattern September 2026 Top 10 Shareholders Shareholder % MFs & others, Life Insurance Corporation Of India 45.24% 25.13% LIC, 45.24% ICICI Prudential Asset Management Co. Ltd. 5.22% Kotak Mahindra Asset Management 3.95% Company Limited Bank Muscat SAOG 2.09% Norges Bank Investment Management 2.08% Public , (NBIM) 10.03% Bandhan Asset Management Company 2.03% Limited FII & other Quant Money Managers Ltd 1.86% Overseas Investor, Vanguard Capital Management, LLC 1.70% 19.60% Nippon Life India Asset Management 1.43% Limited HDFC Asset Management Co., Ltd. 1.26% Executive Summary – Q2 FY 27 ▪ Q2 FY27 PAT at Rs.1508.78 cr as against Rs 1353.87 cr, up by 11% ▪ Q2 FY27 Total Revenue from operations Rs.7175 cr as against Rs.7074 cr ▪ Outstanding Loan portfolio up by 5% to Rs. 326173 cr. ➢Retail Loan Portfolio up by 4% to Rs. 316433 Cr ➢Project Loan Portfolio up by 12% to Rs. 9740 Cr ▪ Q2FY 27 Loan Disbursements Rs. 18127 cr as against Rs.16313 cr, up by 11% ➢Retail Loan Disbursements Rs.17563 cr as against Rs.15935 cr, up by 10% ➢Project Finance Disbursement Rs. 564 Cr as against Rs. 378 cr, up by 49%. ▪ Net Interest Income Rs.2088 cr for Q2 FY2027 as against Rs. 2038 cr for Q2 FY2026 ▪ Net Interest Margins 2.58 % for Q2 FY27 as against 2.62 % for Q2 FY26. ▪ Stage 3 EAD at 2.05 % as on 30.09.2026 as against 2.51 % as on 30.09.2025 . ▪ Total ECL provision stood at Rs.4292 Cr as on 30.09.2026 as against Rs.5074 Cr as on 30.09.2025 Update- Last 5 Years Update – last 5 years Disbursement (Rs. Cr) CAGR 2% Loan Portfolio (Rs.cr) CAGR 6% 70000 61848 64115 58937 64022 66544 350000 307732 320707 286844 60000 300000 251120 275047 50000 250000 40000 200000 30000 150000 20000 10000 100000 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Income (Rs. cr) CAGR 10% Profit After Tax (Rs. cr) CAGR 25% 30000 27235 28046 28772 6000 5429 5595 4765 5000 22674 25000 19953 4000 2891 20000 3000 2288 2000 15000 1000 10000 0 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Update- Last 5 Years Update – last 5 years Stage 3- EAD% Total Provisions* (Rs cr) 5% 4.64% 4.37% 7500 5839 7230 6270 6000 4% 4899 4569 3.31% 4500 3% 2.47% 3000 2.16% 1500 1% 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Operating Expense to Total Income Profit per employee (Rs. lacs) 233.23 198.48 213.57 5% 4.75% 4.36% 4.21% 4.92% 4.62% 150 92.73 117.43 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 *ECL Provisions of Stage 1,2 and 3 Update- Last 5 Years Update – last 5 years EPS (Rs) (Rs 2/- pd up) Book Value (Rs)(Rs 2/- pd up) 125 800 751.24 98.70 101.72 659.09 86.63 570.40 100 600 492.38 414.88 75 52.56 43.14 400 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Return on Avg Equity Return on Avg Loan Assets 1.83% 20% 2% 1.78% 16.00% 16.00% 1.70% 14.00% 12.00% 1.10% 11.00% 0.95% 10% 1% 0% 0% 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Large Geographic Presence • 10 Regional Offices • 23 Back Offices Corporate office Regional offices Back offices • 39 Cluster Offices Amritsar Jalandhar Shimla Operating offices Ludhiana • 297 Area Offices Ambala Chandigarh Bhatinda Patiala Dehradun Hisar Noida Karnal Meerut Haldwani • Rep office in Dubai Gurgaon New Delhi Faridabad Ghaziabad Gangtok Bikaner Bareilly Siliguri Jorhat • 2548 Employees Jaipur Agra Gorakhpur Guwahati Jodhpur Kota Ajmer Lucknow Udaipur Kanpur Patna Malda Silchar G Ra an jkd oh tidham VA ah dm ode ad ra abad Gw Ina dli oo rr A el Bla hh Joa apb baa ald lpur J Bam ilasV pa er uda rn os rni uc rh ki eD lah Dan ub rga ad purBeh Kr oa lm kap tu ar Widening footprint…improved efficiencies VS au pra it Jalgaon Nagpur DuR rga -i Bp hu ir lai Cuttack Nallasopara KaN la ys ai nk Aurangabad Bhubaneshwar Year No of No of Back No of No of Lon Thane Warangal Mumbai Jogeshwari Visakapatnam Marketing offices Regional Employees Portfolio Pune Hyderabad Rajahmundry Vashi SK ao talh Bra a ep lgu ar Gul Kbu ur rg na ool KaV ki ij na ay da awada Offices Offices Rs cr Anantapur Guntur Panjim Hubli Bellary Nellore 2008 125 14 6 985 21936 Tirupati Bengaluru Mangalore Hosur Chennai Mysore Vellore Hassan 2013 194 16 7 1446 77812 Salem Kannur Thrissur Coimbatore Kozhikode Erode Tiruchirapalli Palghat Pondicherry 2020 282 24 9 2392 210578 Ernakulam Thanjavur Kottayam Madurai Thiruvananthapuram Tirumangalam Kollam 2026 303 23 10 2399 320707 Nagercoil Distribution Network HOME LOAN AGENTS (HLAs) (Agents of LIC) DIRECT SALES AGENTS (DSAs) (Small Firms/Companies etc) CUSTOMER RELATIONS ASSOCIATES (CRAs) (Individual Agents of the Company) Marketing Offices 46 branches of LICHFL Financial Services (100% subsidiary of LICHFL) DIRECT MARKETING EXECUTIVES (Captive Marketing Channel) *Online Loan approvals during H1FY27 were Rs.1794 Cr *Online Loan approvals during FY23 were Rs. Cr 10 Origination Pattern & Average Ticket Size Customer Type (No.) Originations by source 15% 17.4% 0.2% 8.8% 51.8% 2.3% 19.5% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 30.0 57% 84 213 Offices Offices ₹ 20.0 ₹ 10.0 H1FY26 H1FY27 Top 8 cities Others Loan Book Composition Loan Book Composition Project Loans Project [Showing first 8,000 characters — download PDF for full document]