Fulfilling Deeply Cherished Ambitions 0f Owning A Home

Our Vision

To be the best housing finance company in India

Our Mission

To provide secured housing finance at affordable cost, maximising shareholder value with higher customer sensitivity

Our Values

  • Fair and transparent business practices
  • Transformation to a knowledge organisation
  • Higher autonomy in operations
  • Instilling a sense of ownership amongst employees
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Year FY 2022-23 in Numbers

₹ 64,115 Crore

Total Disbursement

₹ 53,459 Crore

Disbursement under Individual Home Loans

₹ 2,697 Crore

Disbursement under Project Loans

2.41%

Net Interest Margin

18.23%

Capital Adequacy Ratio (Tier 1&2)

35 Lakh

Number of customers serviced

4.41%

Gross NPA

2.50%

Net NPA

11.72%

Return on Networth

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Chairman’s Message to the Shareholders

Today, we are consolidating our position as the largest Housing
Finance Company with a Loan Portfolio of ₹ 2.75 lakh crore.

Siddhartha Mohanty Chairman

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From the Managing Director’s Desk

We are delighted to communicate with you through the Annual Report. With a vintage of over 34 years, LIC Housing Finance Limited is consolidating its position as the largest housing finance company in India.

Y. Vishwanatha Gowd Managing Director & CEO

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A Record Year in Our 33-Year History

OUTSTANDING LOAN PORTFOLIO

PROFIT AFTER TAX

INCOME

DISBURSEMENT

PROFIT PER EMPLOYEE

EARNINGS PER SHARE

GROSS NPAs AND NET NPAs#

OPERATING EXPENSE TO TOTAL INCOME

BOOK VALUE PER SHARE

RETURN ON AVERAGE EQUITY

RETURN ON AVERAGE LOAN ASSETS

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Leveraging Technology to Drive Business Strategy and Enhance Value

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Maintaining Strong Asset Quality With Prudent Underwriting