Press Release for the Results for the Q2 2026-27

tlucHFL LICH OUSINFGI NANLCTED 30Otcht o2b0e2r6, ThMea nager, ThGee neMraanla ger, Listing Department, DepartomfCe onrtp oSreartvei ceDse-pLti.s,ting NatiSotnoaEclxk c haonfIg nedL itad ., BSLEi mited, ExchaPnlga5ezu Fa,l, o or, 25Ful,o Pohri,rJ oezeej eTeobwheorys , PlNootC. / 1G, BlBoacnkd,r aC-oKmuprllDeaax l,Satlr eet, Band(rEMa)u ,m b-a4i0005 1 Mumb-a4i0000 1. ScrIiDLp:I CHSGEFQIN ScrCiopd: 5e 0 0253 Emacimll:i st@nse.co.in Emaciolr:p .relations@bseindia.com DearS ir/M adam , ReP.re:s-Rs e lefasoFerirs Qtu arteErne ddS epterm30 b,2e 026. With resptoe tchtce a ptiosnuebdj tehcPetr eRsesl epaesret atin oithneSg e cdoQ nuarter endSeedpe mtbe3r0 , 20b2e6eu nph laosa odnte hdoef c fiiwaebls iotfUe C H ousinFgi nance Limited andcc emsasye dheb eof noa ltlowing web link Linhkt:t-p s://www.licehsotuosrisn/gp.rceosms/-irnevleases Pleatsaethk eea boinvfeo rmoantr cieoodran n d arrafnogdrei ssemination. Youfrasi thfully, A,,Nf.Nc� FoLrI C HoFuisniaLnnigcm ei ted @,,r,.r:J," ('_ J. "' VarsHhaar dasani CompaSneyc reatnCador myp liOa'fnfti3ct=!==;;::;:;.e' CIN LN6O5.9 2:2 MH1989PLC0W5e2b2s:5i 7twww e. lichousing.com Regis&t eCroerdp orateH oOffuisFceii:nn ga ULnCtc 1de3. 1,M, a kToewre r-F, 1C3utffPhea rFaMlduoemo,br a,4i 0 0-005 Tel+:9 12222 1876 0Fa0x,+: 9 12222 1877 7E7-,m laiiclh:o using@lichousing.com PRESS RELEASE LIC Housing Finance Ltd. announces its Q2 FY27 results Q2 FY2026-27 Profit after tax at Rs. 1508.78 Crs., up by 11% Q2 Total disbursements at Rs. 18127 Crs., up by 11% Outstanding loan portfolio is Rs. 326173 Crs. Q2 Net Interest Margin stood at 2.58% Mumbai, October 30, 2026: The Board of Directors of LIC Housing Finance Ltd. (BSE:500253; NSE: LICHSGFIN) announced its unaudited results for the second quarter ended on September 30, 2026, following its approval by the board of directors in the meeting held in Mumbai on October 30, 2026. The results are as per the Indian Accounting Standards i.e., IndAS notifications issued by the Ministry of Corporate Affairs and National Housing Bank in April 2018. Performance highlights at a glance – Q2 FY2027 (Figures in Rs. Crores) Quarter Ended Quarter Ended Variation (%) September 2026 September 2025 Revenue from operations 7175 7074 1% Net Interest Income 2088 2038 2% Profit Before Tax 1918.55 1704.71 13% Net Profit after tax 1508.78 1353.87 11% Net Interest Margin 2.58% 2.62% Outstanding Loan Portfolio 326173 311816 5% (1 crore =10 million) Performance highlights for the quarter ended September 30, 2026 Total disbursements were at Rs. 18127 crs in Q2 FY2027, as against Rs. 16313 crs for the corresponding period in Q2 FY2026 up by 11%. Out of this, disbursements in the Retail Loan segment were at Rs 17563 crs against Rs 15935 crs in Q2 FY2026, a growth of 10%. Project loans were at Rs. 564 crs as compared with Rs 378 crs for the same quarter in the previous year, up by 49%. The company’s total income for the Q2 FY2027 quarter was Rs. 7183 crs as compared to Rs 7080 crs during the same quarter in the previous year. The company's revenue from operations grew to Rs. 7175 crs as against Rs. 7074 crs in Q2 FY2026. Net Interest Income (NII) stood at Rs. 2088 crs, as against Rs 2038 crs for the same period in the previous year. Net interest margin (NIM) for the quarter stood at 2.58 % as against 2.62% for Q2 FY 2026 and 2.58 % for Q1 FY2027. Profit Before Tax for the quarter was Rs. 1918.55 crs as against Rs 1704.71 crs in Q2 FY2026, a growth of 13 %. Net profit after tax stood at Rs. 1508.78 crs, as compared with Rs 1353.87 crs during the same period in the previous year, showing a growth of 11%. The Loan Portfolio stood at Rs. 326173 crs as against Rs 311816 crs on September 30, 2025, a growth of 5 %. Out of which Retail Loans grew by 4% from Rs 303084 crs to Rs. 316433 crs as on September 30, 2026, whereas the Project loan portfolio stood at Rs. 9740 crs as on September 30, 2026, as against Rs 8732 crs as on September 30, 2025, up by 12%. Under IndAS 109, asset classification and provisioning changes for future credit loss are reported on an Expected Credit Loss (ECL) basis. As per the same methodology, the provisions for ECL stood at Rs. 4292 crs with a coverage of 49% on Stage 3 as on September 30, 2026, as against Rs 5074 crs as on September 30, 2025. The Stage 3 exposure on default as on September 30, 2026 stood at 2.05% as against 2.51 % as on September 30, 2025 and 2.14 % as on June 30, 2026. Performance highlights at a glance – H1 FY2027 (Figures in Rs. Crores) Six Months Ended Six Months Ended Variation (%) September 2026 September 2025 Revenue from operations 14236 14243 -0.05% Total Income Incl 14247 14250 -0.02% Other Income Net Interest Income 4163 4102 1% Net Profit Before Tax 3806.98 3403.87 12% Net Profit after Tax 2997.10 2713.79 10% Net Interest Margin 2.57% 2.65% (1 crore =10 million) During the six months ended September 30, 2026, the total Disbursements for the company stood at Rs 33140 crs as against Rs 29429 crs for the same period of the previous year, up by 13%. Out of this, the Retail Loan Segment registered a disbursement of Rs. 31704 crs, as against Rs 28895 crs for H1 ended September 30, 2025, up by 10%; whereas Project Loans were Rs 1436 crs as against Rs 534 crs for H1 ended September 30, 2025, up by 169%. The company’s Total Income was Rs. 14247 crs as against Rs 14250 crs during the same period of the previous year. Revenue from Operations were Rs. 14236 crs as against Rs 14243 crs in the same period last year. Net Interest Income (NII) for six months was Rs. 4163 crs as against Rs 4102 crs during the same period previous year. Net profit before tax (PBT) for HI FY2027 was Rs. 3806.98 crs as against Rs 3403.87 crs during the same period previous year, up by 12 %. Net Profit After Tax (PAT) for the six months ended September 30, 2026, was Rs. 2997.10 crs as against Rs 2713.79 crs during the same period previous year, a growth of 10 %. Net Interest Margin (NIM) for six months ended September 30, 2026 stood at 2.57 % as against 2.65 % for the corresponding period ended September 30, 2025. Speaking on the performance, Shri. Sandeep Kumar, Managing Director & Chief Executive Officer of LIC Housing Finance Limited said, “The housing finance sector has remained resilient in the last quarter with stable demand in the retail housing segment. Our performance during this quarter reflects our continued focus on sustainable growth, customer-centricity and operational efficiency. Our priority remains to strengthen our market presence while making homeownership accessible to a wider section of customers. In the near future, we expect borrower sentiment to remain positive, which will be supported by underlying strength of the Indian economy, favourable demographics and ongoing government focus on housing. We wish everyone a very happy and prosperous festive season.” About LIC Housing Finance Ltd LIC Housing Finance Ltd. is the largest housing finance company in India. It has one of the widest networks of offices across the country and representative office in Dubai. In addition, the Company also distributes its products through branches of its subsidiary LIC HFL Financial Services Ltd. LIC Housing Finance Ltd was promoted by Life Insurance Corporation in 1989 and a public issue was made in 1994.The company enjoys the highest rating from CRISIL & CARE indicating the highest safety regarding the ability to service interest and repay principal. For further information please visit the website www.lichousing.com or contact: Shri. Sandeep Kumar Janki Telivala / Mohit Mishra Managing Director & CEO Veritas Reputation PR LIC Housing Finance Ltd. Tel: +91 9892623468 / 8433889619 Tel: 022-22178602 Email: janki.telivala@veritasreputation.com Email: mohit.mishra@veritasreputation.com