GIC Housing Finance Ltd.
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ABOUT
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AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 33.9%
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 1.4%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 35.8% YoY, showing strong momentum
CONS
- Net NPA is elevated at 1.6% - provisioning cushion is thin
- Company has a low return on capital employed of 8.3%
- Company has a low return on equity of 8.2% over last 3 years
- Operating margins have contracted to 79.1% from 89.9%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 84.34 | 674.68 | 70274.91 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2286.40 | 32.07 | 54103.15 | 0.48 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 174.05 | 8.19 | 34843.07 | 3.48 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| PNBHOUSING | 1182.05 | 13.32 | 30828.33 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| LICHSGFIN | 537.05 | 5.15 | 29541.13 | 1.86 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| AADHARHFC | 462.05 | 17.75 | 20247.34 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 149.75 | 0.00 | 17439.24 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| HOMEFIRST | 1209.90 | 21.76 | 12650.65 | 0.43 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| APTUS | 252.40 | 12.84 | 12640.96 | 1.78 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| CANFINHOME | 781.85 | 9.22 | 10410.69 | 1.92 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1288.30 | 20.82 | 10215.49 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| GICHSGFIN | 136.00 | 4.65 | 732.37 | 3.31 | 10.08 | 35.85 | 266.76 | 1.28 | 7.75 | 72.69 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 266 | 264 | 260 | 258 | 259 | 261 | 267 | 268 | 263 | 266 | 268 | 271 | 267 | |
| 42 | 47 | 41 | 10 | 53 | 37 | 31 | 30 | 110 | 35 | 42 | 39 | 250 | |
| Operating Profit | 226 | 221 | 220 | 250 | 221 | 227 | 238 | 216 | 155 | 236 | 231 | 234 | 194 |
| OPM % | 84.94% | 83.82% | 84.74% | 97.00% | 85.40% | 86.86% | 89.24% | 80.42% | 58.95% | 88.79% | 85.90% | 86.36% | 72.69% |
| Other Income | 3 | 3 | 2 | 6 | 3 | 2 | 1 | 4 | 0 | 0 | 0 | 1 | 1 |
| Interest | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| 42 | 41 | 42 | 79 | 47 | 48 | 56 | 56 | -20 | 61 | 55 | 63 | 18 | |
| Tax % | 24.12% | 25.70% | 15.84% | 32.24% | 16.88% | 23.44% | 11.97% | 36.71% | 136.53% | 18.33% | 20.36% | 15.33% | 43.18% |
| Net Profit | 0 | 0 | 0 | 0 | 39 | 37 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| 6 | 6 | 7 | 10 | 7 | 7 | 9 | 7 | 1 | 9 | 8 | 10 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| 1,150 | 1,115 | 1,057 | 1,079 | 1,082 | 1,072 | |
| 216 | 271 | 140 | 151 | 226 | 366 | |
| Operating Profit | 934 | 844 | 917 | 928 | 856 | 707 |
| OPM % | 81.23% | 75.69% | 86.77% | 86.01% | 79.11% | 65.90% |
| 7 | 159 | 13 | -3 | 1 | 2 | |
| Interest | 702 | 703 | 711 | 703 | 687 | 687 |
| Depreciation | 9 | 10 | 15 | 15 | 11 | 12 |
| Profit before Tax | 230 | 290 | 204 | 207 | 159 | 197 |
| Tax % | 24.67% | 26.43% | 25.87% | 22.39% | 2.76% | 20.17% |
| Net Profit | 174 | 213 | 151 | 160 | 155 | 157 |
| EPS | 32.22 | 39.60 | 28.11 | 29.79 | 28.75 | — |
| Dividend Payout % | 13.97% | 11.36% | 16.01% | 15.11% | 15.65% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -1%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -10%
STOCK PRICE CAGR
- 10 Years:
- -8%
- 5 Years:
- -2%
- 3 Years:
- -10%
- 1 Year:
- -21%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 10%
- 3 Years:
- 8%
- Last Year:
- 8%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 54 | 54 | 54 | 54 | 54 |
| 1,457 | 1,645 | 1,775 | 1,911 | 2,053 | |
| 10,347 | 9,143 | 8,577 | 8,744 | 9,113 | |
| Trade Payables | 13 | 8 | 11 | 11 | 16 |
| -69 | -15 | -20 | -17 | -41 | |
| Total Liabilities | 11,802 | 10,835 | 10,396 | 10,703 | 11,195 |
| 21 | 52 | 44 | 27 | 69 | |
| 14 | 229 | 168 | 254 | 210 | |
| 0 | 0 | 0 | 0 | 1 | |
| Cash & Bank | 482 | 90 | 41 | 59 | 45 |
| 11,285 | 10,464 | 10,143 | 10,363 | 10,870 | |
| Total Assets | 11,802 | 10,835 | 10,396 | 10,703 | 11,195 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 918 | 741 | 200 | -360 | -857 | |
| Cash from Investing | -3 | -213 | 64 | -87 | 52 |
| Cash from Financing | -892 | -1,238 | -619 | 122 | 255 |
| 391 | -408 | -34 | 18 | -14 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-28 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-27 - GIC Housing Finance Limited has informed the Exchange regarding Notice of Postal Ballot
2026-08-24 - GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Payment of Interest for NCD having Scrip Code 976944(Listed on BSE)'.
2026-08-24 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-21 - GIC Housing Finance Limited has informed the Exchange regarding 'Intimation of Interest and Principal Payment of NCD'.
2026-08-21 - GIC Housing Finance Limited has informed the Exchange about Change in Senior Management Personnel
2026-08-13 - GIC Housing Finance Limited has informed the Exchange regarding 'Submission of Financial Highlights for the quarter ended June 30 2026'.
2026-08-13 - GIC Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - GIC Housing Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
News
Recent coverage and analyst commentary for GICHSGFIN
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GIC Housing Finance Ltd.
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