With a 13% increase in other income to Rs 68.27 crore, total income stood at Rs 889.67 crore, up by 25% YoY. OP was up by 25% to Rs 734.38 crore. There was a provision of Rs 37.63 crore as compared to a provision of Rs 10.32 crore for Mar'15 quarter. After providing deprecation of Rs 2.48 crore, PBT was up by 21% to Rs 694.27 crore. After providing total tax of Rs 246.25 crore, PAT for the Mar'16 quarter stood at Rs 448.02 crore, up by 18% YoY.

Commenting on the performance, Ms. Sunita Sharma, MD & CEO, LIC Housing Finance said "We have registered a robust growth in business in the fourth quarter as we continue to execute our proven business model of delivering value to customers which is helping us to bring about consistent top and bottom line growth. We are optimistic of a very good FY 2017"

Total disbursements grew at 33% to Rs. 13216 crore in Q4 FY16 quarter.

Individual Loan disbursements were Rs 12576 crore a growth of 32% as compared to the corresponding quarter of the previous year. Developer Loan disbursements in the quarter were Rs 640 crore as against Rs 388 crore for the Mar'15 quarter.

Total Gross NPAs for the company including NPAs on developer loans was 0.45% as on Mar'16 as against 0.46% as on Mar'15.

Net NPAs stood at 0.22% as on Mar'16 as against 0.22% as on Mar'15.

Performance for the full year ended Mar'16

Net interest income for the 12 months ended Mar'16 stood at Rs 2944.09 crore, up by 32% YoY. Net interest margins for the 12 months ended Mar'16 stood at 2.52% as against 2.24% for the corresponding period ended Mar'15.

Other income was down by 7% to Rs 234.60 crore, thus total income stood at Rs 3178.69 crore, up by 28% YoY. Operating expense was up by 24% to Rs 458.97 crore. Provisions stood at Rs 146.46 crore as against Provisions of Rs 7.25 crore for the 12 months ended Mar'15. Depreciation was up by 4% to Rs 9.72 crore. PBT thus was up by 22% to Rs 2563.54 crore. After providing total tax of Rs 902.76 crore, up by 26% YoY, PAT for 12 months ended Mar'16 stood at Rs 1660.78 crore, up by 20% YoY.

The outstanding mortgage portfolio as on March 31, 2016 was Rs.125173 crore as against Rs. 108361 crore on March 31, 2015, thus registering a growth of 16%. Individual Loan Portfolio stood at Rs 121731 crore as on March 31, 2016 as against Rs 105630 crore a year back registering a growth of 15%. Developer Loan portfolio stood at Rs 3442 crore as against Rs 2731 crore for the corresponding period in the previous year showing a growth of 26%.

The Gross NPAs of the company stood 0.45% on March 31, 2016 as against 0.46% as on March 31, 2015. Net NPAs were 0.22% as against 0.22% for the corresponding dates. Gross NPAs in the individual loan segment stands at 0.20% as on March 31, 2016 as against 0.24% as on March 31, 2015. Net Interest Margins for the full year was 2.52%.

As on Mar'16, the BV of the company stands at Rs 181.10 and Adjusted BV stands at Rs 175.78.

The Board of Directors have recommended a dividend of Rs 5.5 per share of Rs 2 each for FY 2015-16.