The story of LIC Housing Finance Limited began with a simple vision – that of enabling people fulfil their dream of owning a safe haven for themselves and their loved ones. With a healthy track record of steady performance spanning over three-and-a-half decades, we reached out to millions of people and helped fulfil their aspirations. With secured housing finance at affordable cost, we continued to maximise shareholder value with higher customer sensitivity.
The year gone by was indeed satisfactory with improvement in the NPA ratios, improved net interest margin, credit costs and return on assets, an increase in total outstanding portfolio, and a steady improvement in operating metrics. Our in-depth understanding of the housing market entailed better operating efficiencies and nurtured deeper customer-centricity with a singular commitment to delight the customer with cutting-edge products and create new industry benchmarks.
As we journeyed through our third decade of operations and embarked on a journey of consolidation, we delivered a new dimension of excellence and an improved organisational capability and vitality through large-scale technology upgrade, a refurbished organisational structure and leadership change. Significant investments into IT infrastructure are targeted at advancing to the next-generation scalable and flexible technology landscape, with an aim of improving productivity and customer convenience.
Moving forward, we are filled with optimism and anticipation as we work on a strategic roadmap of increasing loan book by doubling the share of affordable mix to 20-25% in the next few years, benefiting from the demographic dividend and enabling home ownership to millions of aspiring Indians. Today, we remain well-poised to maintain a steady growth trajectory – by customer category, region and an expanding product portfolio, becoming a people-focussed and proficient enterprise, continuing to drive innovation in India’s housing finance space.
We are shaping a better future for ourselves through our strong tech-driven platform, a wide range of products, a pan-India reach, and with competencies of our human capital well aligned with business strategies. This, with a purpose further fortified with immense trust and conviction of our stakeholders, we are superbly differentiated for value creation in the future.
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