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Incorporated on 19th June 1989 under the Companies Act, 1956, the company was promoted by LIC of India and went public in the year 1994. The Company launched its maiden GDR issue in 2004. The Authorized Capital of the Company is Rs.1000 Million (Rs.100 Crores) and its paid up Capital is Rs.850 Millions (Rs.85 Crores). The Company is recognized by National Housing Bank and listed in the NSE & BSE and its shares are traded only in Demat format. The GDR's are listed on the Luxembourg Stock Exchange.
The main objective of the Company is providing long term finance to individuals for purchase / construction / repair and renovation of new / existing flats / houses. The Company also provides finance on existing property for business / personal needs and gives loans to professionals for purchase / construction of Clinics / Nursing Homes / Diagnostic Centres / Office Space.
The Company possesses one of the industry's most extensive marketing network in India : 6 regional offices and 115 area offices backed by chain of camp offices nationwide, an offshore office in Dubai and Registered and Corporate Office at Mumbai. It has a team of 875 dedicated employees. In addition the company has appointed over 5500 Direct Sales Agents (DSAs) and Home Loan Agents (HLAs) to extend its marketing reach. 16 Back Offices spread across the country conduct the credit appraisal and administrative functions.
The Company has set up a Representative Office in Dubai to cater to the Non-Resident Indians in the GLCC countries covering Bahrain, Dubai, Kuwait, Qatar and Saudi Arabia.
Today the Company has a proud group of over 8,00,000 prudent house owners who have enjoyed the Company's financial assistance. The Company has so far disbursed Rs.250 Billion (Rs.25000 Crores). The Company also lends to Corporate Bodies and Companies under different schemes for purchase / construction of office premises for their own use, construction of staff quarters and also for onward lending to meet the requirements of employees, and also to Builders and Developers for residential and commercial projects.
In 2005-06, for the fifth year in a row, the Company received the 'AAA' credit rating from CRISIL, indicating the highest level of safety. The Company has been growing steadily since inception both in terms of business & profits.
The Company has floated a 100% susidiary "LICHFL CARE HOMES LIMITED"to conduct the business of providing 'Assisted Living Community Centres' for Senior citizens.
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