551.90
+2.97%
Close of 9 Nov 2026, in INR
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About LIC Housing Finance
Its shares trade on NSE under the ticker LICHSGFIN.NS. It has been listed since 15 September 1994. In the fiscal year to 31 March 2026, it reported net income of ₹56.04bn. At that date it held total assets of ₹3.25trn and shareholders' equity of ₹414.29bn.
LIC Housing Finance Ltd. engages in the provision of loans for purchase, construction, repairs and renovation of houses to individuals, corporate bodies, builders, and co-operative housing societies. The company is headquartered in Mumbai, Maharashtra. The firm is engaged in the business of providing finance for purchase, construction, repairs, renovation of houses/buildings. The firm provides long term finance to individuals for the purchase or construction of house/flat for residential purposes in India. The company also provides finance on existing property for business/ personal needs and also gives loans to professionals for purchase/construction of clinics/nursing homes/ diagnostic centers/ office space and also for purchase of equipment. The company offers a range of housing loans, such as home loans, plot loans, Pradhan Mantri Awas Yojana, Griha Suvidha Home loan, home loan for non-resident Indian (NRI) and home loan for pensioners, home improvement loan, home construction loan, home extension loan and top up loans. Its other loans include loan against property, loan against security, loan to professionals and loan against property for listed/unlisted companies.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 15 Sept 1994
- Employees
- 2,467
- Website
- lichousing.com ↗
Leadership
Pay as last reported
- Shri. Siddhartha MohantyNon-Executive Chairman of the Board, since 2019₹4.8m
- Sri. Tribhuwan AdhikariChief Executive Officer, Managing Director, Additional Director, since 2023₹3.7m
- Shri. Sudipto SilChief Financial Officer, since 2019₹4.8m
- Ms. Varsha HardasaniCompliance Officer, Company Secretary₹1.8m
- Mr. Vinay ThapaRegional Manager, Northern Regional Office
- Shri. Mukkavilli JagannathNon-Executive Director - Nominee of the LICI
- Shri. Pottimutyala RaoNon-Executive Non-Independent Director₹1.6m
- Shri. Akshay RoutNon-Executive Non-Independent Director₹1.1m
- Mr. Ramesh AdigeNon-Executive Independent Director₹500,000
- Ms. Jagennath JayanthiNon-Executive Independent Director₹1.4m
- Shri. Anil KaulAdditional Non-Executive Independent Director
- Shri. Kashi KhandelwalNon-Executive Independent Director₹930,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 48
- Environment
- 48
- Social
- 52
- Governance
- 43
- Direct emissions (scope 1)
- 313.74 t
- Energy emissions (scope 2)
- 3,616.16 t
- Women in the workforce
- 32.68%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- LIC Housing Finance Ltd has several strengths that contribute to its success in the market. Firstly, it benefits from being a subsidiary of Life Insurance Corporation (LIC), which is one of the largest insurance companies in India. This association provides LIC Housing Finance with a strong financial backup and a trustworthy reputation, which attracts customers and investors.
- Secondly, LIC Housing Finance has an extensive network of branches and customer touchpoints throughout the country. This wide presence allows the company to reach a larger customer base and provide personalized services to its clients.
- Additionally, LIC Housing Finance focuses on home finance, which is a growing market in India. The company offers a variety of loan products and caters to different customer segments, including individuals, families, and builders. This diversification helps in mitigating risks and capturing opportunities in the housing finance sector.
Weaknesses
- Despite its strengths, LIC Housing Finance also faces certain weaknesses that could hinder its growth. One weakness is its dependency on the real estate market. Any fluctuations or weaknesses in the housing sector can directly impact LIC Housing Finance's business performance. This vulnerability exposes the company to market risks and economic downturns.
- Another weakness lies in the competition within the housing finance industry. LIC Housing Finance faces tough competition from other well-established players, both national and international, who offer similar products and services. This intense competition puts pressure on the company to continuously innovate and differentiate itself to maintain market share.
Opportunities
- LIC Housing Finance has several opportunities to explore and capitalize on. Firstly, the Indian government's initiatives like affordable housing schemes and tax benefits for home buyers provide a favorable environment for the housing finance sector. LIC Housing Finance can align its products and marketing strategies to tap into these opportunities and cater to the specific needs of potential customers.
- Another opportunity lies in the digital advancements in the financial industry. LIC Housing Finance can leverage technology and digital platforms to enhance its customer experience, streamline processes, and expand its reach to customers in remote areas. Embracing digital transformation can give the company a competitive edge and open up new avenues for growth.
Threats
- LIC Housing Finance faces certain threats that pose challenges to its business operations. One major threat is the rising interest rates. Any increase in the borrowing costs will directly impact the mortgage loan segment, potentially reducing the demand for housing loans and affecting the company's profitability.
- Another threat is the regulatory environment and policy changes. Any modifications in the regulations governing the housing finance sector can affect LIC Housing Finance's operations, loan disbursements, and lending practices. Adapting to regulatory changes and compliance requirements is crucial for the company to navigate potential threats effectively.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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