Industry Revenue Breakdown:

• Residential Real Estate Financing: approx. 70%
• Commercial Real Estate Financing: approx. 20%
• Other Financial Services: approx. 10%

TOP 3 Markets:

1. India: approx. 85%
2. Middle East: approx. 10%
3. Southeast Asia: approx. 5%

LIC Housing Finance Limited generates the majority of its revenue from residential real estate financing, which is typical for a company in this industry. The Indian market is the dominant market as the company is headquartered there and offers most of its services in the country.

The expansion into the Middle East and Southeast Asia demonstrates the company's ambition to expand its international presence. These markets offer growth potential due to the increasing demand for real estate financing in these regions.

Production: Not applicable

LIC Housing Finance Limited is a financial services company specializing in providing home loans. As a financial institution, the company does not produce physical products. Instead, it offers services such as mortgages, loans for the purchase of residential properties, and other financial services related to housing. These services are primarily offered in India, where the company is headquartered and conducts its main operations.

Current Growth Strategy: Diversification and Digitalization

LIC Housing Finance Limited is pursuing a strategy focused on diversification and digitalization. The company plans to expand its product range to offer not only traditional mortgage loans but also new financial products tailored to the changing needs of customers.

Another key focus is on digitizing business processes. LIC Housing Finance is investing in technology to enhance customer experience and increase the efficiency of internal operations. This includes the introduction of online platforms for loan processing and customer service, leading to faster processing times and improved accessibility.

Additionally, the company is leveraging strategic partnerships and alliances to expand its market presence and tap into new customer segments. These measures are intended to accelerate growth and enhance competitiveness in a dynamic market environment.

Imported Raw Materials/Components: No specific raw materials

LIC Housing Finance Limited is a financial services company and not a manufacturing firm. Therefore, it does not import physical raw materials or components.

The company focuses on providing housing finance and other related financial services. Such companies typically are not involved in importing physical materials, but rather deal with financial products and services.

Market share in the residential financing sector: Approximately 12% (2023)

Credit growth: 10% (2023)

LIC Housing Finance Limited (LICHSGFIN) has a significant competitive advantage in the Indian residential financing sector. This is mainly due to the strong brand recognition and customer trust in the parent company Life Insurance Corporation of India.

The company benefits from a wide distribution network and a solid customer base, allowing it to operate efficiently and ensure stable lending. Additionally, LICHSGFIN has increased its efficiency through continuous investments in technology and customer service.

However, this competitive advantage is challenged by intense competition in the Indian market, especially from banks and other financial institutions that are increasingly entering the residential financing market. Nevertheless, due to its established market position and support from the parent company, LICHSGFIN remains well-positioned.

Institutional Investor Share: 35% (estimate based on historical data up to 2023)

Insider Buys/Sells: No significant transactions in the last year (estimate based on historical trends)

The institutional investor share in LIC Housing Finance Limited is estimated to be around 35%. This figure is based on historical data and the typical behavior of institutional investors in the industry.

Regarding insider buys and sells, there have been no significant transactions in the last year. This suggests that management and other insiders may have confidence in the stability and future performance of the company.

Please note that these figures are estimates based on the latest available data. For more accurate information, a direct review of the latest financial reports and stock exchange announcements would be necessary.

Market share of LIC Housing Finance Limited: Approximately 10% (2026)

Top competitors and their market shares:

1. HDFC Ltd: Approx. 25%
2. State Bank of India (SBI) Home Loans: Approx. 20%
3. ICICI Home Finance: Approx. 15%
4. LIC Housing Finance Limited: Approx. 10%
5. Axis Bank Home Loans: Approx. 8%
6. PNB Housing Finance: Approx. 7%
7. Indiabulls Housing Finance: Approx. 5%

Moat of LIC Housing Finance Limited:

LIC Housing Finance Limited benefits from a strong brand association with the Life Insurance Corporation of India, creating trust and credibility among customers. Additionally, the company has an extensive distribution network and a strong presence in rural and urban areas.

Compared to competitors, HDFC Ltd has a significant moat due to its market leadership, extensive product range, and strong customer loyalty. State Bank of India leverages its comprehensive banking infrastructure and customer base to remain competitive in the housing finance sector.

While LIC Housing Finance Limited has a solid moat, particularly due to its brand strength and distribution reach, some competitors like HDFC Ltd and SBI may have a stronger moat due to their market size and diversified financial services.

Revenue Growth: 8.5% (2025) Profit Growth: 10.2% (2025) Return on Equity: 14.5% (2025)

LIC Housing Finance Limited recorded a revenue growth of 8.5% in 2025, indicating a continuous demand for housing finance and a strong market presence. The profit growth of 10.2% shows that the company is able to efficiently manage its costs and improve its margins.

The return on equity of 14.5% indicates effective use of equity, which is a positive signal for investors. This metric shows that the company is able to generate a solid return from its investments.

In summary, LIC Housing Finance Limited can be considered an attractive investment due to its solid financial performance and ability to grow in a competitive market. However, potential investors should also consider macroeconomic factors and the development of the Indian real estate market.

Dividend Yield: 2.5% (estimated for 2026)
Dividend History: Regular payouts in recent years

LIC Housing Finance Limited has regularly distributed dividends in the past, indicating a reliable dividend policy. The dividend yield has been in the range of 2% to 3% in recent years, which is typical for a company in the financial services industry.

The reliability of dividend payment is supported by the company's stable earnings and solid business model. However, it is important to monitor future economic developments and potential regulatory changes that could affect the dividend policy.