LIC Housing Finance Ltd

Nbfc · Real Estate

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Methodology v1.0 Download Report (PDF)

Latest Rating

AAA (CRISIL)

Total Debt Outstanding

₹116,679 Cr

Across 88 instruments

Listed Bonds

First Issue

2016-06-29

Latest Issue

2026-06-24

Maturity Range

2026 - 2035

Observation

88 active bonds tracked from this issuer.

View details →

Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies

01 Issuer Overview

Sector

Real Estate

Issuer Type

Nbfc

First Tracked Bond

2016-06-29

Start of this issuer's debt program timeline

88 active bonds tracked from this issuer.
85 of 88 tracked bonds with a stated security status are secured. (based on 88 bonds with a disclosed security status)
Most recent rating action: other by CRISIL on 2026-06-30.

LIC Housing Finance Ltd is an NBFC in the real estate sector. Coupon rates on outstanding bonds range from 6.17% - 9.10%, paid annual. Bonds mature between 2026 - 2035.

Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.

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02 Debt Profile

Outstanding Bonds

Tracked by RetailBonds

Amount Tracked

₹116,679 Cr

Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 58 of 88 bonds)

Avg Coupon

7.68%

Range 6.17% - 9.10%

Avg Remaining Tenure

3.3 Yrs

Nearest maturity 2026-09

Secured

96%

85 of 88 bonds with known status

Callable

Of 88 bonds

Avg Spread vs G-Sec

+205 bps

Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (18 bonds).

Security Type / Instrument Mix

NCD 88 bonds · 100% · ₹116,679 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)

Based on 58 of 88 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

Financial Snapshot

Q1 FY26

Debt / Equity

0.07

Debt Service Coverage (DSCR)

0.00

Interest Service Coverage (ISCR)

0.00

Total Financial Indebtedness

₹282,572.95 Cr

Unlisted Debt Securities Outstanding

₹0.00 Cr

Defaults on Unlisted Debt Securities

₹0.00 Cr

Revenue from Operations

₹7,062.45 Cr

Net Profit / Loss

₹1,488.32 Cr

Profit Before Tax

₹1,888.43 Cr

As filed under SEBI LODR Reg 52(4) / Integrated Filing, filed 30 Jul 2026. Figures are reported facts, not a rating or recommendation.

03 Credit Profile

AAA 58 bonds · 66%
Unrated 30 bonds · 34%

Agency	Rating	Outlook	Bonds
CRISIL	AAA	—	40
CARE	AAA	—	28

Recent Rating Actions

2026-06-30 · CRISIL

—

Other

04 Outstanding Bonds View all bonds →

ISIN	Bond Name	Coupon	Rating	Maturity	YTM	Last Trade
INE115A07PI6	6.17% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE. LETTER OF ALLOTMENT. TRANCHE 412. DATE OF MATURITY 03/09/2026.	6.17%	AAA (CARE)	2026-09-03	6.48%	2026-08-12
INE115A07KM9	7.83% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 309 OPTION 2. LETTER OF ALLOTMENT. DATE OF MATURITY 25/09/2026	7.83%	AAA (CRISIL)	2026-09-25	6.87%	2026-07-15
INE115A07KS6	7.48% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 314. LETTER OF ALLOTMENT. DATE OF MATURITY 23/10/2026	7.48%	AAA (CARE)	2026-10-23	—	—
IN8115A07386	6.40% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES.LETTER OF ALLOTMENT.TRANCHE 417 OPTION I. DATE OF MATURITY 30/11/2026	6.40%	—	2026-11-30	—	—
INE115A07PN6	6.40% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES.LETTER OF ALLOTMENT.TRANCHE 417 OPTION I. DATE OF MATURITY 30/11/2026	6.40%	AAA (CARE)	2026-11-30	7.05%	2026-07-31
INE115A07RA9	7.69% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE TRANCHE 449 DATE OF MATURITY 11/12/2026	7.69%	AAA (CRISIL)	2026-12-11	7.13%	2026-07-31
INE115A07KY4	7.16% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 320. LETTER OF ALLOTMENT. DATE OF MATURITY 16/12/2026	7.16%	AAA (CRISIL)	2026-12-16	—	—
IN8115A07139	6.65% SECURED RATED LISTED NON CONVERTIBLE DEBENTURE.SERIES TRANCHE 419 OPTION II.LETTER OF ALLOTMENT. DATE OF MATURITY 15/02/2027	6.65%	—	2027-02-15	—	—
INE115A07PR7	6.65% SECURED RATED LISTED NON CONVERTIBLE DEBENTURE.SERIES TRANCHE 419 OPTION II.LETTER OF ALLOTMENT. DATE OF MATURITY 15/02/2027	6.65%	AAA (CARE)	2027-02-15	—	—
INE115A07RE1	7.73% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE TRANCHE 453 DATE OF MATURITY 18/03/2027	7.73%	AAA (CRISIL)	2027-03-18	7.22%	2026-06-29
INE115A07LO3	7.95% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 332 LETTER OF ALLOTMENT. DATE OF MATURITY 26/03/2027	7.95%	AAA (CARE)	2027-03-26	7.36%	2026-07-16
INE115A07QO2	7.8350% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE TRANCHE 438 DATE OF MATURITY 11/05/2027.	7.83%	AAA (CARE)	2027-05-11	7.28%	2026-08-06
IN8115A07378	7.8350% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE TRANCHE 438 DATE OF MATURITY 11/05/2027	7.83%	—	2027-05-11	—	—
INE115A07LU0	7.86% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 337. LETTER OF ALLOTMENT. DATE OF MATURITY 17/05/2027	7.86%	AAA (CRISIL)	2027-05-17	8.53%	2026-08-13
INE115A07MC6	7.56% SECURED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 341 OPTION III. LETTER OF ALLOTMENT. DATE OF MATURITY 14/06/2027	7.56%	AAA (CARE)	2027-06-14	—	—
INE115A07PV9	7.90% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE. LETTER OF ALLOTMENT. TRANCHE 421. DATE OF MATURITY 23/06/2027.	7.90%	AAA (CARE)	2027-06-23	7.50%	2026-07-24
IN8115A07162	7.90% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE. LETTER OF ALLOTMENT. TRANCHE 421. DATE OF MATURITY 23/06/2027.	7.90%	—	2027-06-23	—	—
INE115A07QS3	7.9265% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURES TRANCHE 442 DATE OF MATURITY 14/07/2027.	7.93%	AAA (CRISIL)	2027-07-14	7.48%	2026-08-20
INE115A07RH4	6.90% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE TRANCHE 456 DATE OF MATURITY 17/09/2027	6.90%	AAA (CRISIL)	2027-09-17	7.56%	2026-07-16
INE115A07QZ8	7.74% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES TRANCHE 448. DATE OF MATURITY 22/10/2027	7.74%	AAA (CRISIL)	2027-10-22	7.53%	2026-08-26
IN8115A07477	7.74% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES TRANCHE 448. DATE OF MATURITY 22/10/2027	7.74%	—	2027-10-22	—	—
INE115A07MQ6	7.75% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 353. LETTER OF ALLOTMENT. DATE OF MATURITY 23/11/2027	7.75%	AAA (CRISIL)	2027-11-23	7.75%	2026-08-25
IN8115A07204	7.75% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 353. LETTER OF ALLOTMENT. DATE OF MATURITY 23/11/2027	7.75%	—	2027-11-23	—	—
IN8115A07287	7.8% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES LETTER OF ALLOTMENT TRANCHE 427 DATE OF MATURITY 22/12/2027	7.80%	—	2027-12-22	—	—
INE115A07QC7	7.8% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES LETTER OF ALLOTMENT TRANCHE 427 DATE OF MATURITY 22/12/2027	7.80%	AAA (CARE)	2027-12-22	7.60%	2026-07-22
INE115A07MW4	7.95% SECURED RATED LISTED TAXABLE REDEEMABLE NON-CONVERTIBLE TAXABLE DEBENTURE. TRANCHE 359. LETTER OF ALLOTMENT. DATE OF MATURITY 29/01/2028	7.95%	AAA (CARE)	2028-01-29	—	—
IN8115A07238	7.95% SECURED RATED LISTED TAXABLE REDEEMABLE NON-CONVERTIBLE TAXABLE DEBENTURE. TRANCHE 359. LETTER OF ALLOTMENT. DATE OF MATURITY 29/01/2028	7.95%	—	2028-01-29	—	—
IN8115A07451	7.74% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE TRANCHE 445 OPTION II DATE OF MATURITY 11/02/2028	7.74%	—	2028-02-11	—	—
INE115A07QW5	7.74% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE TRANCHE 445 OPTION II DATE OF MATURITY 11/02/2028	7.74%	AAA (CRISIL)	2028-02-11	7.51%	2026-08-18
INE115A07QJ2	7.70% SECURED RATED LISTED NON CONVERTIBLE DEBENTURES LETTER OF ALLOTMENT TRANCHE 434 OPTION I DATE OF MATURITY 16/05/2028	7.70%	AAA (CRISIL)	2028-05-16	7.56%	2026-08-19
IN8115A07295	7.70% SECURED RATED LISTED NON CONVERTIBLE DEBENTURES LETTER OF ALLOTMENT TRANCHE 434 OPTION I DATE OF MATURITY 16/05/2028	7.70%	—	2028-05-16	—	—
IN8115A07089	6.68% SECURED RATED LISTED SENIOR REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 411. LETTER OF ALLOTMENT. DATE OF MATURITY 04/06/2028	6.68%	—	2028-06-04	—	—
INE115A07PH8	6.68% SECURED RATED LISTED SENIOR REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 411. LETTER OF ALLOTMENT. DATE OF MATURITY 04/06/2028	6.68%	AAA (CRISIL)	2028-06-04	—	—
INE115A07QM6	7.77% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. TRANCHE 436 DATE OF MATURITY 11/08/2028.	7.77%	AAA (CRISIL)	2028-08-11	—	—
IN8115A07501	7.77% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. TRANCHE 436 DATE OF MATURITY 11/08/2028.	7.77%	—	2028-08-11	—	—
INE115A07NH3	9.10% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE. TRANCHE 367 OPTION III. LETTER OF ALLOTMENT. DATE OF MATURITY 24/09/2028	9.10%	AAA (CRISIL)	2028-09-24	—	—
INE115A07ND2	9.08% SECURED RATED LISTED NON-CONVERTIBLE DEBENTURE. TRANCHE 365. LETTER OF ALLOTMENT. DATE OF MATURITY 10/10/2028	9.08%	AAA (CARE)	2028-10-10	—	—
INE115A07NL5	8.97% SECURED LISTED RATED REDEEMABLE NON CONVERTIBLE DEBENTURES. TRANCHE 369 OPTION 2. LETTER OF ALLOTMENT. DATE OF MATURITY 17/11/2028	8.97%	AAA (CRISIL)	2028-11-17	8.18%	2026-08-07
INE115A07NP6	8.75% SECURED RATED LISTED NON CONVERTIBLE REDEEMABLE DEBENTURES TRANCHE 372 OPTION 2. LETTER OF ALLOTMENT. DATE OF MATURITY 08/12/2028	8.75%	AAA (CARE)	2028-12-08	7.03%	2026-08-21
IN8115A07352	8.75% SECURED RATED LISTED NON CONVERTIBLE REDEEMABLE DEBENTURES TRANCHE 372 OPTION 2. LETTER OF ALLOTMENT. DATE OF MATURITY 08/12/2028	8.75%	—	2028-12-08	—	—
IN8115A07345	8.80% SECURED RATED LISTED REDEMABLE NON CONVERTIBLE DEBENTURES. LETTER OF ALLOTMENT. SERIES - TRANCHE 376, MATRITY DATE - 25/1/2029	8.80%	—	2029-01-25	—	—
INE115A07NU6	8.80% SECURED RATED LISTED REDEMABLE NON CONVERTIBLE DEBENTURES. LETTER OF ALLOTMENT. SERIES - TRANCHE 376, MATRITY DATE - 25/1/2029	8.80%	AAA (CRISIL)	2029-01-25	7.55%	2026-07-27
INE115A07OB4	8.70% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE LETTER OF ALLOTMENT. TRANCHE 382. MATURITY DATE : 23/03/2029	8.70%	AAA (CRISIL)	2029-03-23	7.57%	2026-07-31
IN8115A07394	7.87% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURES. TRANCHE 440 DATE OF MATURITY 14/05/2029.	7.87%	—	2029-05-14	—	—
INE115A07QQ7	7.87% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURES. TRANCHE 440 DATE OF MATURITY 14/05/2029.	7.87%	AAA (CRISIL)	2029-05-14	7.50%	2026-07-28
IN8115A07402	7.99% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE LETTER OF ALLOTMENT TRANCHE 386 MATURITY DATE 12/07/2029	7.99%	—	2029-07-12	—	—
INE115A07OF5	7.99% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURE LETTER OF ALLOTMENT TRANCHE 386 MATURITY DATE 12/07/2029	7.99%	AAA (CARE)	2029-07-12	7.78%	2026-08-24
INE115A07QU9	7.75% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE TRANCHE 444 DATE OF MATURITY 23/08/2029	7.75%	AAA (CRISIL)	2029-08-23	7.48%	2026-08-12
IN8115A07436	7.75% SECURED RATED LISTED REDEEMABLE NON-CONVERTIBLE DEBENTURE TRANCHE 444 DATE OF MATURITY 23/08/2029	7.75%	—	2029-08-23	—	—
IN8115A07469	7.57% SECURED RATED LISTED REDEEMABLE NON CONVERTIBLE DEBENTURES TRANCHE 447. DATE OF MATURITY 18/10/2029	7.57%	—	2029-10-18	—	—

Compare (/) Compare Bonds

YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

Last 30 days, across all outstanding bonds from this issuer.

Traded Value (Last 30 Days)

₹0.0 Cr

Number of Trades (Last 30 Days)

Avg. Yield (Last 30 Days)

7.64%

06 Payment Disclosures (SEBI Reg52(4)) 5 disclosed

Interest and redemption payments as broadcast by NSE under SEBI LODR Reg 52(4)/60, across all outstanding bonds from this issuer -- actual disclosed events, not a projected schedule.

Due Date	Bond	Type	Amount Due	Amount Paid	Status	Filing
2026-08-23	7.75% SECURED RATED LISTED...	Interest	₹2,751,300,000.00	₹2,751,300,000.00	Paid	XBRL →
2026-08-19	7.65% SECURED RATED LISTED...	Interest	₹1,137,500,000.00	₹1,137,500,000.00	Paid	XBRL →
2026-08-18	7.85% SECURED RATED LISTED...	Interest	₹2,747,500,000.00	₹2,747,500,000.00	Paid	XBRL →
2026-08-11	7.77% SECURED RATED LISTED...	Interest	₹1,585,900,000.00	₹1,585,900,000.00	Paid	XBRL →
2026-07-27	7.64% SECURED RATED LISTED...	Interest	₹955,000,000.00	₹955,000,000.00	Paid	XBRL →

Source: NSE Debt Centralised Database, per SEBI LODR Reg 52(4)/60. Coverage begins 2026-08-02 -- history accumulates as disclosures are broadcast.

07 Regulatory Filings

NSE Corporate Announcements

Certificate under SEBI (Depositories and Participants) Regulations, 2018 2026-07-10

Outcome of Board Meeting 2026-07-06

Record Date 2026-07-06

Trading Window 2026-06-25

Disclosure under SEBI Takeover Regulations 2026-06-05

Analysts/Institutional Investor Meet/Con. Call Updates 2026-05-21

Analysts/Institutional Investor Meet/Con. Call Updates 2026-05-14

Appointment 2026-05-13

Dividend 2026-05-13

Investor Presentation 2026-05-13

Credit Rating Rationale

CRISIL Rating Rationale 2026-06-30

08 Methodology & Data Coverage

Dataset	Count	Freshness
Credit Ratings (current)	68	2026-06-28
Rating Actions History	1	2026-06-30
Secondary-Market Trades	133	2026-08-27
Reg52(4) Payment Disclosures	5	2026-08-23

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions

How many active bonds does LIC Housing Finance Ltd have?

LIC Housing Finance Ltd currently has 88 active bonds with coupons 6.17% - 9.10%, maturities spanning 2026 - 2035.

What is LIC Housing Finance Ltd's credit rating?

The most recent rating on LIC Housing Finance Ltd's bonds is AAA (CRISIL), published by CARE, CRISIL.

Are LIC Housing Finance Ltd's bonds secured?

Of the 88 bonds with a disclosed security status, 85 are secured (96%) and 3 are unsecured.

When do LIC Housing Finance Ltd's bonds mature?

LIC Housing Finance Ltd's active bonds mature between 2026 - 2035; the nearest matures in 2026-09; the average tenure is 3.3 Yrs.

What is the average coupon on LIC Housing Finance Ltd's bonds?

The average coupon across LIC Housing Finance Ltd's 88 active bonds is 7.68%.

Disclaimer: This page aggregates publicly available data about LIC Housing Finance Ltd for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.