{"id":33266,"date":"2026-04-05T11:50:31","date_gmt":"2026-04-05T06:20:31","guid":{"rendered":"https:\/\/signalz.pro\/?post_type=article&p=33266"},"modified":"2026-04-05T11:50:31","modified_gmt":"2026-04-05T06:20:31","slug":"lic-%e0%a4%b9%e0%a4%be%e0%a4%89%e0%a4%b8%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%ab%e0%a4%be%e0%a4%87%e0%a4%a8%e0%a5%87%e0%a4%82%e0%a4%b8-%e0%a4%98%e0%a4%b0-%e0%a4%95%e0%a4%be-%e0%a4%b8%e0%a4%aa","status":"publish","type":"article","link":"https:\/\/signalz.pro\/article\/lic-%e0%a4%b9%e0%a4%be%e0%a4%89%e0%a4%b8%e0%a4%bf%e0%a4%82%e0%a4%97-%e0%a4%ab%e0%a4%be%e0%a4%87%e0%a4%a8%e0%a5%87%e0%a4%82%e0%a4%b8-%e0%a4%98%e0%a4%b0-%e0%a4%95%e0%a4%be-%e0%a4%b8%e0%a4%aa\/","title":{"rendered":"“LIC \u0939\u093e\u0909\u0938\u093f\u0902\u0917 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 – \u0918\u0930 \u0915\u093e \u0938\u092a\u0928\u093e \u0938\u093e\u0915\u093e\u0930, \u0939\u0930 \u0915\u0926\u092e \u092a\u0930 \u0939\u092e\u093e\u0930\u093e \u0938\u0939\u093e\u0930\u093e!”"},"content":{"rendered":"

Technical Analysis
\n<\/strong>Daily chart presents classic oversold bounce pattern after 2-day pullback from \u20b9525 highs, featuring volume surge and bullish hammer candle reclaiming 20-SMA support. Hammer precisely at \u20b9500 psychological level testing 50-SMA confluence, RSI(14) ~35 deeply oversold with bullish divergence confirmation, MACD histogram narrowing bearish momentum. Stochastic extreme oversold territory, price positioned above pivotal 200-SMA \u20b9480. Pivots structure S1 \u20b9495-503, Pivot \u20b9510-518, R1 \u20b9525-535, R2 \u20b9545, targeting short-term \u20b9535 R1, medium-term \u20b9565 gap fill, long-term \u20b9600 resistance breakout.<\/p>\n

Fundamental Analysis
\n<\/strong>LICHSGFIN exhibits attractive valuation P\/E 5.19x, P\/B 0.74x, ROE 16%, ROCE 8.93%, dividend yield 1.93% with Market Cap \u20b928,460 Cr. Q3FY26 Revenue \u20b928,804 Cr (+3.05% YoY), Net Profit \u20b95,522 Cr (+14.34% YoY), EPS \u20b9100.29 reflecting tremendous book value growth over 3 years and undervalued status (Price to Intrinsic 2.91). Strengths encompass housing finance leadership, stable margins (NPM 19.17%), while risks include interest rate sensitivity and project finance exposure.<\/p>\n

News & Events
\n<\/strong>RBI rule changes prompted CEO caution on high-risk project loans reducing portfolio 5% YoY to \u20b92,560 Cr FY24, alongside \u20b949.7 lakh penalty for Fair Practices Code violations. Recent trading shows \u20b9517 CMP up 0.36% with bearish short-term trend but strong buy signals from technical indicators.<\/p>\n

Micro & Macro Events
\n<\/strong>Micro catalysts feature Q4FY26 results, dividend declaration, affordable housing push in tier-3 cities (46 new area offices); macro influences include RBI MPC rate decisions, monsoon housing demand, government PMAY scheme extensions impacting disbursement growth.<\/p>\n

Global Cues & War Impact
\n<\/strong>Middle East war indirectly pressures via elevated interest rates from oil inflation and rupee depreciation increasing borrowing costs, though housing finance relatively insulated compared to corporates; sustained conflict may delay realty projects affecting originations.<\/p>\n

Buy Levels & Investment Views
\n<\/strong>Short-term accumulation \u20b9500-510 targeting \u20b9535 R1 SL \u20b9495 leveraging bounce strength, medium-term entry \u20b9485-500 aiming \u20b9565 SL \u20b9475 post-results catalyst, long-term below \u20b9500 targeting \u20b9600+ SL \u20b9460 capitalizing undervaluation. Bullish structural view prevails on attractive multiples and housing tailwinds.<\/p>\n

Rally Sustainability
\n<\/strong>Rally demonstrates 70% sustainability potential breaking \u20b9525 R1 supported by RSI recovery and housing policy momentum, otherwise confined to bounce retesting \u20b9500 support.<\/p>\n

Buy Recommendation
\n<\/strong>Decisive YES at prevailing levels substantiated by compelling P\/E 5.19x undervaluation, robust 16% ROE, tremendous book value trajectory, and technical oversold reversal mandating SL \u20b9495 risk management.<\/p>\n

Detailed Disclaimer (LICHSGFIN)
\n<\/strong>Purely educational content disclaiming investment advice, recommendations, or trading signals while highlighting substantial market risks including principal loss. Technical configurations offer no future performance assurances amid volatile conditions. SEBI-registered advisor consultation mandatory aligned with personal circumstances; exhaustive documentation review essential pre-action. No positions maintained by analysts\/affiliates in LICHSGFIN per April 5, 2026.<\/p>\n

Detailed Conflict Disclosure (LICHSGFIN)
\n<\/strong>Confirmed zero holdings across LICHSGFIN equity, derivatives, ETFs, or affiliates encompassing no exposures, contracts, or compensation ties with LIC Housing Finance. Independent analysis from public sources free of trading influences; future positions possible with disclosure. Current April 5, 2026.<\/p>\n","protected":false},"template":"","article-category":[35],"article-tags":[],"class_list":["post-33266","article","type-article","status-publish","hentry","article-category-learn"],"acf":[],"_links":{"self":[{"href":"https:\/\/signalz.pro\/api\/wp\/v2\/article\/33266","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/signalz.pro\/api\/wp\/v2\/article"}],"about":[{"href":"https:\/\/signalz.pro\/api\/wp\/v2\/types\/article"}],"wp:attachment":[{"href":"https:\/\/signalz.pro\/api\/wp\/v2\/media?parent=33266"}],"wp:term":[{"taxonomy":"article-category","embeddable":true,"href":"https:\/\/signalz.pro\/api\/wp\/v2\/article-category?post=33266"},{"taxonomy":"article-tags","embeddable":true,"href":"https:\/\/signalz.pro\/api\/wp\/v2\/article-tags?post=33266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}