What we do LIC Housing Finance Ltd is India's largest housing finance company providing long-term loans for residential property purchase, construction, and related financial services across India. |
Founded in 1,989 |
Market share Market leader with a loan book exceeding Rs. 3 lakh crore as of 2025, dominating individual housing finance segment. |
Problem solved Facilitates home ownership by offering affordable housing loans, bridging financing gaps for individuals and developers. |
Top clients or who we serve Primarily serves salaried and self-employed individual homebuyers, developers, and corporate clients; mainly B2C with some project finance. |
Key management Shri T Adhikari - Managing Director & CEO, appointed 2023, with leadership background from LIC India. |
Our journey and innovations Founded in 1989, IPO in 1994; launched unique loan products, care homes for seniors, diversified into asset management and financial services. |
Where we operate Pan-India presence with regional offices and representative offices in Dubai and Kuwait serving NRIs in Gulf countries. |
Top products or what we offer Individual housing loans, loan against property, project finance, lease rental discounting, venture capital fund management, senior living projects. |
Top brands Notable offerings include Griha Vikas, Griha Laxmi, Griha Jestha, LICHFL Care Homes, LICHFL Urban Development Fund, LHIF Alternative Investment Fund. |
Raw materials needed Not applicable as a financial services company. |
Raw materials supplier Not applicable. |
Recurring vs cyclical contribution Revenue primarily recurring from loan interest and fees; asset management and financial services contribute smaller, also recurring income. |
Our industry position Leading housing finance company with credit ratings AAA, significant loan portfolio growth and strong asset quality. |
Financial highlights FY 2025 revenue Rs. 28,056 crore, profit after tax Rs. 5,429 crore; loan book Rs. 3,07,732 crore with 7% CAGR since 2021. |
Geographical revenue split Revenue primarily from India; also operations serving NRIs in Gulf countries through regional offices. |
Order book Not detailed; loan disbursements Rs. 64,022 crore in FY 2025 indicate high business volume. |
Whats driving growth Strong retail housing demand, expansion in Tier 2/3 cities, digital transformations, and enhanced distribution network. |
Our future plans Expand loan book, increase high-margin products, enhance digital onboarding, grow affordable housing finance, and diversify funding sources. |
Our green promise Focus on sustainable infrastructure via Urban Development Fund and Housing & Infrastructure Fund emphasizing affordable housing and micro infrastructure assets. |
Our people and values Over 2500 employees with focus on digital innovation, customer service excellence, and diversified inclusive workplace culture. |
Key challenges ahead Competitive market pressure affecting asset growth, managing credit risk, maintaining margins amid rising interest rates. |
Interesting facts First HFC with overseas offices in Dubai & Kuwait; offers senior citizen care homes and runs multiple venture capital and alternative investment funds. |
Risks and strategy Mitigates credit risk via stringent underwriting; manages funding cost via diversified liability; invests in technology and data analytics for growth. |
