GIC Housing Finance Limited
GIC Housing Finance Limited (GICHSGFIN) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Housing Finance Company
gichfindia.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-03
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 83 Cr | 83 Cr | 84 Cr | 84 Cr | 83 Cr | 87 Cr | 93 Cr | 89 Cr | 92 Cr | 94 Cr | 101 Cr | 91 Cr |
| Other income | 3 Cr | 2 Cr | 6 Cr | 3 Cr | 2 Cr | 0.96 Cr | 4 Cr | 0.08 Cr | 0.19 Cr | 0.02 Cr | 0.77 Cr | 0.61 Cr |
| Net operating income | 86 Cr | 85 Cr | 89 Cr | 87 Cr | 84 Cr | 88 Cr | 98 Cr | 89 Cr | 92 Cr | 94 Cr | 101 Cr | 92 Cr |
| Employee cost | 14 Cr | 17 Cr | 16 Cr | 16 Cr | 18 Cr | 18 Cr | 22 Cr | 20 Cr | 22 Cr | 23 Cr | 25 Cr | 23 Cr |
| Other expenses | 16 Cr | 11 Cr | 16 Cr | 13 Cr | 18 Cr | 15 Cr | 15 Cr | 12 Cr | 14 Cr | 21 Cr | 18 Cr | 17 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 4 Cr | 3 Cr | 3 Cr | 3 Cr | 3 Cr | 4 Cr |
| Profit before tax | 41 Cr | 42 Cr | 79 Cr | 47 Cr | 48 Cr | 56 Cr | 56 Cr | -20 Cr | 61 Cr | 55 Cr | 63 Cr | 18 Cr |
| Tax % | 25.7% | 15.8% | 32.2% | 16.9% | 23.4% | 12.0% | 36.7% | 136.5% | 18.3% | 20.4% | 15.3% | 43.2% |
| Net profit | 30 Cr | 36 Cr | 54 Cr | 39 Cr | 37 Cr | 50 Cr | 35 Cr | 7 Cr | 50 Cr | 44 Cr | 54 Cr | 10 Cr |
| EPS (₹) | ₹5.61 | ₹6.62 | ₹9.97 | ₹7.24 | ₹6.78 | ₹9.23 | ₹6.54 | ₹1.38 | ₹9.29 | ₹8.11 | ₹9.97 | ₹1.87 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Net Interest Income | 434 Cr | 396 Cr | 332 Cr | 346 Cr | 376 Cr | Sign in for TTM |
| Other income | 7 Cr | 14 Cr | 13 Cr | 10 Cr | 1 Cr | Sign in for TTM |
| Net operating income | 441 Cr | 410 Cr | 345 Cr | 356 Cr | 377 Cr | Sign in for TTM |
| Employee cost | 48 Cr | 60 Cr | 64 Cr | 74 Cr | 90 Cr | Sign in for TTM |
| Other expenses | 49 Cr | 49 Cr | 58 Cr | 60 Cr | 66 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | Sign in for TTM |
| Depreciation | 9 Cr | 10 Cr | 15 Cr | 15 Cr | 11 Cr | Sign in for TTM |
| Profit before tax | 230 Cr | 290 Cr | 204 Cr | 207 Cr | 159 Cr | Sign in for TTM |
| Tax % | 24.7% | 26.4% | 25.9% | 22.4% | 2.8% | Sign in for TTM |
| Net profit | 174 Cr | 213 Cr | 151 Cr | 160 Cr | 155 Cr | Sign in for TTM |
| EPS (₹) | ₹32.22 | ₹39.60 | ₹28.11 | ₹29.79 | ₹28.75 | Sign in for TTM |
| Dividend payout % | 12.4% | 0.0% | 16.0% | 15.1% | 15.7% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 54 Cr | 54 Cr | 54 Cr | 54 Cr | 54 Cr |
| Reserves | 1,457 Cr | 1,645 Cr | 1,775 Cr | 1,911 Cr | 2,053 Cr |
| Borrowings | 10,347 Cr | 9,143 Cr | 8,563 Cr | 8,727 Cr | 9,050 Cr |
| Other liabilities | 71 Cr | 78 Cr | 78 Cr | 83 Cr | 142 Cr |
| Total liabilities | 11,929 Cr | 10,920 Cr | 10,471 Cr | 10,775 Cr | 11,299 Cr |
| Fixed assets (net) | 2 Cr | 3 Cr | 3 Cr | 3 Cr | 3 Cr |
| CWIP | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Investments | 14 Cr | 229 Cr | 168 Cr | 254 Cr | 210 Cr |
| Loans & advances | 11,205 Cr | 10,328 Cr | 9,985 Cr | 10,212 Cr | 10,828 Cr |
| Trade receivables | 0.22 Cr | 0.26 Cr | 0.38 Cr | 0.23 Cr | 0.54 Cr |
| Cash & bank | 478 Cr | 70 Cr | 36 Cr | 54 Cr | 40 Cr |
| Other assets | 230 Cr | 290 Cr | 277 Cr | 252 Cr | 217 Cr |
| Total assets | 11,929 Cr | 10,920 Cr | 10,471 Cr | 10,775 Cr | 11,299 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from operating activity | 1,286 Cr | 290 Cr | 522 Cr | -18 Cr | -320 Cr |
| Cash from investing | -3 Cr | 0 Cr | 64 Cr | -87 Cr | 52 Cr |
| Cash from financing | -892 Cr | 0 Cr | -619 Cr | 122 Cr | 255 Cr |
| Net cash flow | 391 Cr | 290 Cr | -34 Cr | 18 Cr | -14 Cr |
| Free cash flow (OCF − Capex) | 1,281 Cr | 290 Cr | 518 Cr | -20 Cr | -325 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROCE % | 61.6% | 9.2% | 8.8% | 8.5% | 7.6% |
| ROE % | 11.5% | 12.5% | 8.3% | 8.2% | 7.3% |
| Debtor days | 0 | 0 | 0 | 0 | 0 |
| Inventory days | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — |
| Cash conversion cycle | 0 | 0 | 0 | 0 | 0 |
| Debt / equity | 6.85 | 5.38 | 4.68 | 4.44 | 4.30 |
| Current ratio | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 9.18 | 9.30 | 9.35 | 10.52 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — |
| Net NPA | — | — | — | — | — |
| Net NPA % | — | — | — | — | — |
| CET1 % | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — |
| NIM % | — | — | — | — | — |
| ROA % | — | — | — | — | — |
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