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Loan growth, margin worries likely to weigh on LIC Housing Finance

The Q4 net operating income declined 3 per cent Y-o-Y to ₹2,170 crore with a net interest margin (NIM) expansion of 15 basis points quarter-on-quarter (Q-o-Q)

LIC Housing Finance
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Operating expenditure grew 18 per cent Y-o-Y to ₹450 crore and the cost-income ratio rose 250 basis points Q-o-Q to 19.4 per cent. | Photo: Realty Plus magazine

Devangshu Datta New Delhi

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The LIC Housing Finance (LICHF) results for the financial year 2024-25 (FY25) and Q4FY25 indicated slow loan growth and intensifying competition. The company is trying to move into higher-yield segments. The Q4FY25 net profit grew 25 per cent year-on-year (Y-o-Y) to ₹1,370 crore and the FY25 net profit grew 14 per cent Y-o-Y to ₹5,430 crore.
 
The Q4 net operating income declined 3 per cent Y-o-Y to ₹2,170 crore with a net interest margin (NIM) expansion of 15 basis points quarter-on-quarter (Q-o-Q), given better liquidity management and 10 basis points prime lending rate (PLR) hike (which was reversed in quarterly

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