# LIC Housing Finance Aims for 10% Portfolio Growth to ₹3.5 Lakh Crore in H2 FY27 > LIC Housing Finance plans at least 10% loan portfolio growth to around ₹3.5 lakh crore in H2 FY27, with a 100% project finance growth target and new affordable housing vertical. - Published: 2026-11-01T16:46:22+00:00 - Section: Expansion - Author: News Desk - URL: https://newsforagent.com/news/2026-11-01/lic-housing-finance-portfolio-growth-target - Source: [TradingView](https://www.tradingview.com/news/moodys:8d33b2a118c27:0-lic-housing-finance-to-grow-double-digit-in-h2-fy2027-portfolio-to-jump-3-5-lakh-crore-sandeep-kumar/) ## Key takeaways - LIC Housing Finance aims to grow its loan portfolio by at least 10% over the next two quarters to around ₹3.5 lakh crore, from ₹3.26 lakh crore. - The company targets 100% growth in its project finance vertical, which currently stands at around ₹10,000 crore. - LIC Housing Finance expects a separate affordable housing vertical next year, with a proposal currently before the board. [LIC Housing Finance](https://akta.pro/company-profiles/0004t2d/lic-housing-finance) plans to grow its loan portfolio by at least 10% over the next two quarters to around ₹3.5 lakh crore, up from ₹3.26 lakh crore, Managing Director and CEO Sandeep Kumar said. The company reported the target in an interview with [TradingView](https://www.tradingview.com/news/moodys:8d33b2a118c27:0-lic-housing-finance-to-grow-double-digit-in-h2-fy2027-portfolio-to-jump-3-5-lakh-crore-sandeep-kumar/). ## LIC Housing Finance's Rate Hikes and Portfolio Growth LIC Housing Finance raised lending rates by up to 15 basis points two months ago and by up to 25 basis points effective November 1, 2026, across its existing portfolio and new disbursements, Kumar said. The outstanding loan portfolio stands at ₹3.26 lakh crore, a 4.6% year-on-year increase. For the full year, the company guides for disbursement growth of 12-14% and double-digit growth in the loan portfolio. Kumar said more than 80% of the portfolio has historically come from salaried borrowers, and expanding into the self-employed segment is a conscious strategy because it offers better margins. The company aims to raise the share of non-home loan products, particularly loans against property, to around 20% of the overall portfolio by the end of the year. The average borrower age is around 40-45 years, a loan account typically remains with the company for seven to eight years, and the average ticket size is about ₹32-33 lakh. "We are not meaningfully present in the affordable housing segment at present," Kumar said. The company expects a separate affordable housing vertical next year, with the proposal currently before the board. ## LIC Housing Finance's Project Finance Book The project finance book stands at around ₹10,000 crore, and LIC Housing Finance targets fresh project finance sanctions of around ₹4,000 crore this year. The segment grew nearly 50% during Q2. For the current financial year, the company has set a target of 100% growth in the project finance vertical. The board has approved a pool-buying framework, and the company expects to begin pool-buying activity on a small scale in the third quarter and gradually scale it up with larger transactions in the fourth quarter. ## LIC Housing Finance's Funding and Leadership Records According to akta.pro [company records](https://akta.pro/company-data), shareholders at the 37th AGM are set to vote on approving a ₹55,000 crore non-convertible debenture issuance limit, within the company's existing ₹4,00,000 crore borrowing cap. The records show total outstanding portfolio reached ₹3,20,707 crore as of Q4 FY26 (March 2026), with disbursements growing 10% year-on-year to ₹21,019 crore. Full-year FY26 net profit was ₹5,595 crore, up 3% from ₹5,429 crore in FY25. The same records list the appointment of Sanjay Dayal as Chief Operating Officer in April 2026. ## LIC Housing Finance's Earlier Guidance and Results On October 1, 2026, NDTV Profit reported that LIC Housing Finance was shifting toward non-housing and project loans, with Q1 disbursements up over 14% year-on-year and management aiming to raise the non-housing retail share to 20% by year-end and double project disbursements. On October 29, 2026, Zee Business reported that analysts expected a 12% year-on-year rise in standalone net profit to ₹1,513 crore for Q2, with results due on October 30. On October 26, 2026, Wikipedia reported that LIC Housing Finance filed a CBI complaint against Subhash Chandra and others over two 2018 loans totaling ₹980 crore, alleging cheating and criminal conspiracy. ## What Comes Next for LIC Housing Finance LIC Housing Finance expects to begin pool-buying activity on a small scale in the third quarter of the current financial year and to scale it up with larger transactions in the fourth quarter. The company expects to have a separate affordable housing vertical in place next year. ## Companies in this story - [LIC Housing Finance company profile](https://akta.pro/company-profiles/0004t2d/lic-housing-finance) · website: http://www.lichousing.com --- News for Agent · https://newsforagent.com/llms.txt