GIC Housing Finance Ltd
GIC Housing Finance Ltd (GICHSGFIN) last reported results for the quarter ended Jun 2026, with sales of ₹267 crore and net profit of ₹10 crore. The stock last traded at ₹132, a market capitalisation of ₹710 crore, on a P/E of 4.51. Over the past 52 weeks the stock has ranged between ₹130 and ₹184. Figures are as of 9 Oct 2026 and are not real time.
GIC Housing Finance Ltd share price and key metrics
- Current price
- ₹132
- Market cap
- ₹710 cr
- Stock P/E
- 4.51
- Book value
- ₹391
- ROE
- 7.61%
- ROCE
- 7.72%
- Dividend yield
- 3.42%
- 52w high / low
- 184/130
Metrics as of 9 Oct 2026. Not real time.
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GIC Housing Finance Ltd growth and returns
- 10 Years
- %
- 5 Years
- %
- 3 Years
- -1%
- TTM
- 1%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- -10%
- TTM
- 15%
- 10 Years
- -9%
- 5 Years
- -3%
- 3 Years
- -15%
- 1 Year
- -24%
- 10 Years
- %
- 5 Years
- 10%
- 3 Years
- 8%
- Last Year
- 8%
GIC Housing Finance Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹267 cr, up 0.8% from ₹265 cr a year earlier. Net profit was ₹10 cr, up 42.9% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Expenses | 37 | 31 | 30 | 110 | 35 | 42 | 39 | 73 |
| Operating profit | 50 | 59 | 68 | -18 | 64 | 58 | 65 | 21 |
| OPM % | 19% | 22% | 25% | -7% | 24% | 21% | 24% | 8% |
| Other income | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Interest | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Depreciation | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| Profit before tax | 48 | 56 | 56 | -20 | 61 | 55 | 63 | 18 |
| Tax % | 23% | 12% | 37% | -137% | 18% | 20% | 15% | 43% |
| Net profit | 37 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS (₹) | 6.78 | 9.23 | 6.54 | 1.38 | 9.29 | 8.11 | 9.97 | 1.87 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
GIC Housing Finance Ltd annual results
| ₹ crore | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|
| Sales | 1,152 | 1,123 | 1,060 | 1,079 | 1,083 | 1,084 |
| Operating profit | 234 | 294 | 209 | 225 | 169 | 208 |
| OPM % | 20% | 26% | 20% | 21% | 16% | 19% |
| Net profit | 174 | 213 | 151 | 160 | 155 | 157 |
| EPS (₹) | 32.22 | 39.60 | 28.11 | 29.79 | 28.75 | 29.24 |
TTM is the trailing twelve months to the most recent quarter.
GIC Housing Finance Ltd balance sheet
| ₹ crore | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Equity capital | 54 | 54 | 54 | 54 | 54 |
| Reserves | 1,457 | 1,645 | 1,775 | 1,911 | 2,053 |
| Borrowings | 10,365 | 9,168 | 8,584 | 8,751 | 9,119 |
| Other liabilities | 53 | 53 | 57 | 60 | 74 |
| Total liabilities | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
| Fixed assets | 20 | 52 | 44 | 27 | 69 |
| CWIP | 29 | 9 | 10 | 11 | 16 |
| Investments | 14 | 229 | 168 | 254 | 210 |
| Other assets | 11,865 | 10,630 | 10,248 | 10,483 | 11,004 |
| Total assets | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
As reported by the company. Total assets equal total liabilities by construction.
GIC Housing Finance Ltd cash flow
| ₹ crore | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Cash from operations | 1,286 | 1,043 | 522 | -18 | -320 |
| Cash from investing | -3 | -213 | 64 | -87 | 52 |
| Cash from financing | -892 | -1,238 | -619 | 122 | 255 |
| Net cash flow | 391 | -408 | -34 | 18 | -14 |
| Free cash flow | 1,281 | 1,037 | 518 | -20 | -325 |
| CFO / operating profit | 145% | 111% | 61% | 3% | -33% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
GIC Housing Finance Ltd operating ratios
| Per year | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| ROE % | 11% | 13% | 8% | 9% | 8% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
GIC Housing Finance Ltd shareholding pattern
Promoters held 42.41% at Jun 2026, broadly unchanged since Jun 2025. FIIs 1.40% and DIIs 2.53%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% |
| FIIs | 2.91% | 2.46% | 2.18% | 2.67% | 2.16% | 2.08% | 1.81% | 1.40% |
| DIIs | 5.89% | 5.89% | 5.89% | 5.51% | 5.51% | 5.05% | 4.59% | 2.53% |
| Public | 48.79% | 49.24% | 49.52% | 49.39% | 49.92% | 50.46% | 51.18% | 53.65% |
| No. of shareholders | 67,589 | 67,790 | 66,517 | 65,375 | 64,226 | 62,585 | 61,368 | 61,754 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
GIC Housing Finance Ltd corporate filings
- GIC Housing Finance Ltd announces allotment of Non-Convertible Debentures (NCDs) on private placement basisCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd has completed the allotment of Non-Convertible Debentures (NCDs)…
Read the full analysis - GIC Housing Finance Ltd. Announces Appointment of Smt. Arumugam Manimekhalai as Independent DirectorCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has formally confirmed the appointment of Smt. Arumugam…
Read the full analysis - GIC Housing Finance Limited secures shareholder approval for board appointment and material related party transactionsAGM/EGMlow impact
Cruxal's analysis: GIC Housing Finance Limited has successfully concluded its postal ballot process, with…
Read the full analysis - GIC Housing Finance Ltd. announces cessation of Independent Director Smt. Rani Singh Nair upon completion of tenureCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has formally notified the exchange regarding the cessation of…
Read the full analysis - Closure of Trading WindowInsider Trading / SASTlow impact
- GIC Housing Finance Ltd. announces private placement of secured NCDs worth up to 200 croreCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has initiated a private placement of secured, rated, redeemable…
Read the full analysis - GIC Housing Finance maintains CRISIL AA+/A1+ credit ratings across bank facilities and debt instrumentsCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has received a reaffirmation of its CRISIL AA+ (Stable) rating…
Read the full analysis - GIC Housing Finance Ltd publishes notice for Postal BallotCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd has released a copy of the newspaper publication regarding its…
Read the full analysis - GIC Housing Finance seeks shareholder approval for Rs 1,000 crore material related party transactions and appoints new Independent DirectorAGM/EGMmedium impact
Cruxal's analysis: GIC Housing Finance Ltd. has issued a postal ballot notice seeking shareholder approval…
Read the full analysis - GIC Housing Finance confirms timely interest payment of 15.18 crore on NCDsOtherslow impact
Cruxal's analysis: GIC Housing Finance Ltd. has officially confirmed the successful and timely payment of…
Read the full analysis - GIC Housing Finance Ltd: Disclosure of Newspaper Publication regarding routine corporate complianceCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd has filed a copy of its newspaper publication as part of its…
Read the full analysis - GIC Housing Finance confirms full redemption of NCDs worth 300 croreOtherslow impact
Cruxal's analysis: GIC Housing Finance Ltd. has successfully completed the full redemption of its…
Read the full analysis - GIC Housing Finance Ltd. Announces Internal Leadership Change in Operations DepartmentCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has appointed Shri S.R. Ravi, a veteran with over 33 years of…
Read the full analysis - GIC Housing Finance reports Q1 FY27 PAT of 10 crore, up 25% YoY, with improved asset quality metricsCompany Updatehigh impact
Cruxal's analysis: GIC Housing Finance Ltd. reported a net profit of 10 crore for the quarter ended June 30…
Read the full analysis - GIC Housing Finance Ltd. Announces Completion of Board Review for Q1 FY2027 Financial ResultsCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has formally notified the stock exchanges regarding the board's…
Read the full analysis - GIC Housing Finance Reports Q1 FY27 Net Profit of 10.04 crore; Announces Board Appointments and Related Party TransactionsBoard Meetinghigh impact
Cruxal's analysis: GIC Housing Finance Limited reported a significant decline in standalone net profit to…
Read the full analysis - GIC Housing Finance Maintains Strong Credit Profile with ICRA AA+ and A1+ Ratings ReaffirmationCompany Updatelow impact
Cruxal's analysis: GIC Housing Finance Ltd. has received a reaffirmation of its credit ratings from ICRA…
Read the full analysis - GIC Housing Finance Ltd. shareholders approve 2,500 crore NCD issuance and 1,000 crore related party transaction limitAGM/EGMmedium impact
Cruxal's analysis: GIC Housing Finance Ltd. has received shareholder approval at its 36th Annual General…
Read the full analysis - GIC Housing Finance Limited secures shareholder approval for 2,500 crore NCD issuance and related party transactionsAGM/EGMmedium impact
Cruxal's analysis: GIC Housing Finance Limited has successfully concluded its 36th Annual General Meeting…
Read the full analysis - GIC Housing Finance Secures Shareholder Approval for INR 2,500 Crore NCD Issuance and FY26 Financials AdoptionAGM/EGMhigh impact
Cruxal's analysis: GIC Housing Finance Ltd. announced the proceedings of its 36th Annual General Meeting…
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