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GIC Housing Finance Ltd. engages in the provision of housing finance. The company is headquartered in Mumbai, Maharashtra and currently employs 321 full-time employees. The primary business of the Company is granting housing loans to individuals and to persons/entities engaged in construction of houses/flats for residential purposes. The firm is promoted by General Insurance Corporation of India and its erstwhile subsidiaries namely, National Insurance Company Limited, The New India Assurance Company Limited, The Oriental Insurance Company Limited and United India Insurance Company Limited. The Company’s loan products include individual housing loan, composite loans, balance transfer, repair and renovation loan, home extension loans, affordable home loans, loan against housing property, and commercial loans. Its wholly owned subsidiary is GICHFL Financial Services Private Limited.
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“Banking franchise in Housing Finance — Lending.”
Net Interest Income of ₹1,063 Cr on total income of ₹1,064 Cr.
Cost-to-income ratio at 14.7%. Provision coverage at 0.0% of income.
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 7.3%▼ | 12.2% |
| ROCE | 7.5%▼ | 9.7% |
| Net Margin | 14.5%▼ | 26.5% |
| EBITDA Margin | 79.1%▼ | 83.4% |
| Debt To Equity | 4.30x▲ | 2.96x |
| Rev Growth 3yr | -1.4%▼ | 9.2% |
| EPS Growth 3yr | -10.1%▼ | 23.1% |
| Cost To Income | 14.7%▼ | 38.0% |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| ₹1,082 Cr +0.3% | ₹1,079 Cr +2.1% | ₹1,057 Cr -5.2% | ₹1,115 Cr -3.0% | ₹1,150 Cr | |
| ₹1 Cr -89.4% | ₹10 Cr -19.9% | ₹13 Cr -10.6% | ₹14 Cr +111.5% | ₹7 Cr | |
| Total Income | ₹1,083 Cr -0.5% | ₹1,089 Cr +1.8% | ₹1,070 Cr -5.2% | ₹1,129 Cr -2.4% | ₹1,156 Cr |
| ₹924 Cr +6.3% | ₹869 Cr +0.4% | ₹866 Cr +3.2% | ₹839 Cr -9.4% | ₹926 Cr | |
| Profit Before Tax | ₹159 Cr -23.0% | ₹207 Cr +1.2% | ₹204 Cr -29.6% | ₹290 Cr +25.8% | ₹230 Cr |
| Exceptional Items | ₹0.00 Cr +100.0% | (₹13 Cr) | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| ₹4 Cr -90.5% | ₹46 Cr -12.4% | ₹53 Cr -31.1% | ₹77 Cr +34.8% | ₹57 Cr | |
| Net Profit | ₹155 Cr -3.5% | ₹160 Cr +6.0% | ₹151 Cr -29.0% | ₹213 Cr +22.9% | ₹174 Cr |
| Profit (Owners) | ₹155 Cr -3.5% | ₹160 Cr +6.0% | ₹151 Cr -29.0% | ₹213 Cr +22.9% | ₹174 Cr |
| Other Comprehensive Income | ₹11 Cr ↑ Recovery | (₹0.18 Cr) ↓ Decline | ₹2 Cr ↑ Recovery | (₹0.48 Cr) ↓ Decline | ₹0.97 Cr |
| EPS | ₹28.75 | ₹29.79 | ₹28.11 | ₹39.60 | ₹32.22 |
| Diluted Shares | ₹5 Cr | ₹5 Cr | ₹5 Cr | ₹5 Cr | ₹5 Cr |
| Fees And Commission Income | ₹5 Cr -0.9% | ₹5 Cr +6.4% | ₹5 Cr -2.5% | ₹5 Cr +0.2% | ₹5 Cr |
| Net Loss On Amortised Derecognition | ₹1 Cr +322.6% | ₹0.31 Cr +106.7% | ₹0.15 Cr 0.0% | ₹0.15 Cr -74.1% | ₹0.58 Cr |
| Impairment On Financial Instruments | ₹69 Cr +314.8% | ₹17 Cr -9.3% | ₹18 Cr +4.5% | ₹17 Cr -85.3% | ₹118 Cr |
No related party data available for this company.
This section will be populated when data becomes available.
No earnings call transcripts available.
GIC Housing Finance Limited has informed the Exchange about ESGRating assigned by ESG Risk Assessments & Insights Limited.
GIC Housing Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP
GIC Housing Finance Limited has informed the Exchange regarding Change in Director(s) of the company.
GIC Housing Finance Limited has informed the Exchange regarding allotment of 20000 NCDs
GIC Housing Finance Limited has informed the Exchange about issue of Securities
GIC Housing Finance Limited has informed the Exchange about change in Senior Management Personnel
GIC Housing Finance Limited has informed the Exchange about Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended June 30, 2026
GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication for Notice of 36th Annual General Meeting of the Company, e-Voting details and Record date.
GIC Housing Finance Limited has informed the Exchange regarding Cessation of Mrs Varsha Godbole as Chief Financial Officer of the company w.e.f. Jun 30, 2026.
GIC Housing Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on Jun 29, 2026.
National Insurance Company Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeov...
GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Interest Payment of our NCD ISIN INE289B07131'.
GIC Housing Finance Limited has informed the Exchange regarding 'Submission of Financial Highlights for the year ended March 31, 2026'.
GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
GIC Housing Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
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