Investor Presentation Q1 FY 2026-27

1lucHFL LICH OUSINFGI NANLCTED 30Jtuhl2 y0,2 6 ThMea nager, ThGee neMraanla ger, ListDienpga rtment, DepartomfCe onrtp oSreartvei ceDse-pLti.s,t ing NatiSotnoaEclxk c haonfIg nedL itad ., BSLEi mited, ExchaPnlga5ezt Fahl, o or, 25Ful,o Pohri,r oze JTeoewjeeresb,h oy PlNootC. / 1G,B loBcakn,d raC-oKmuprllDeaax l,Sa tlr eet, Band(rEMa)u ,m b-a4i0 005 1 Mumb-a4i0 000 1. ScrIiDLp:I CHSGEFQI N ScrCiopd: 5e 00253 Emacimll:i st@nse.co.in Emaciolr:p .relations@bseindia.com DeaSri r/Madam, ReI.n:v-ePsrteosre fnotFrait Qriusoatnrt E enrdT eudn30 ,e2 026. Witrhe spteotc hctea ptisounbejthdee Ic ntv ePsrteosre npteaartitinotinotn hgFe i rQsuta rter endeJdu n3e0 2,0 2h6a bse eunp loaodneth deo ffiwceibasloi fLt IeHC o usinFgi nance Limiatnemdda yb ea cceosnsth eefd o llowweiblinn kg. Linhlkl:p-s://www.lichousing.com/investors/investor-update Pletaasthkeee a boivnef ormoanrt eicoaonnr addr rafnodgrie s semination. Youfrasi thfully, FoLrI HCo usFiinnga Lnicmei ted VarsHhaar dasani CompaSneyc reatnCador myp liOafnfciec er CINNO :.L 69522MH1989P7L C052W2e5bs:iw twew .lichousing.com Regis&tC eorrepdoOff riactLeeI:H C o usFiinnga Lntc1de3. 1,,M akeTro we1r3-tFFh,l oCoffureP, a raMduem,b a-4i0 0005 Te+l9:21 22 21876 0,0F a+x9:21 22 21877 77E,- maliilc:h ousing@lichousing.com Investor Update Q1 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 June 2026 Top 10 Shareholders Shareholder % MFs & others, 23.05% Life Insurance Corporation Of India 45.24% LIC, 45.24% ICICI Prudential Asset Management Co. Ltd. 6.70% Norges Bank Investment Management 2.31% (NBIM) Bank Muscat SAOG 2.09% Public , Bandhan Asset Management Company 2.08% 9.74% Limited Vanguard Capital Management, LLC 1.67% FII & other Nippon Life India Asset Management 1.62% Overseas Limited Investor, HDFC Asset Management Co., Ltd. 1.27% 21.97% Tata Asset Management Ltd. 1.20% Quant Money Managers Ltd 1.06% Executive Summary – Q1 FY 27 ▪ Q1 FY27 PAT at Rs. 1488.32 cr as against Rs 1359.92 cr, up by 9.4% ▪ Q1 FY27 Total Revenue from operations Rs.7062 cr as against Rs.7169 cr ▪ Outstanding Loan portfolio up by 4% to Rs. 322098 cr ➢ Individual Home Loan Portfolio up by 4% to Rs. 271979 Cr ▪ Q1FY 27 Loan Disbursements Rs.15014 cr against Rs. 13116 cr, up by 14.5% ➢ Individual Housing Loan Disbursements Rs.12119 cr as against Rs.11247 cr, up by 8% ➢ Non-Housing Individual Loan Disbursements Rs. 1975 cr against Rs. 1647 cr, up by 20% ▪ Net Interest Income Rs.2075.52 cr for Q1 FY27 as against Rs.2064.71 cr for Q1 FY26 ▪ Net Interest Margins 2.58 % for Q1 FY27 as against 2.68% for Q1 FY26 ▪ Stage 3 EAD at 2.14 % as on 30.06.2026 as against 2.62 % as on 30.06.2025 ▪ Total ECL provision stood at Rs. 4398 Cr as on 30.06.2026 against Rs.5051 Cr as on 30.06.2025 ▪ PCR (Stage III) stands at 48% 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 • 303 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 • 2400 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 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 New Marketing Channel (Captive Marketing Channel) *Online Loan approvals during Q1FY27 were Rs.782 Cr *Online Loan approvals during FY23 were Rs. Cr 10 Origination Pattern & Average Ticket Size Origination Pattern & Average Ticket Size Customer Type (No.) Originations by source 12% 16.5% 0.3% 9.8% 52.0% 2.3% 19.1% Salaried Self Employed HLA DSA CRA DIRECT DME Corporate Agent Incremental Ticket Size Top 8 cities & Others (Rs lacs) ₹ 35.0 ₹ 33.0 57% 83 220 Offices ₹ 31.0 Offices ₹ 29.0 ₹ 27.0 ₹ 25.0 Q1FY26 Q1FY27 Top 8 cities Others Loan Book Composition Loan Book Composition NHC-Project NHC-Project Loans NHC-Others Loans NHC-Others 2.9% 1.6% 3.0% 1.3% Non [Showing first 8,000 characters — download PDF for full document]