GIC HOUSING FINANCE LTD (GICHSGFIN) financials

GIC HOUSING FINANCE LTD (GICHSGFIN) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

Market Cap: ₹710Cr.
Current Price: ₹132
Stock P/E: 4.52
ROE: 7.59%
ROCE: 7.71%
Book Value: ₹391
Dividend Yield: 3.42%
52W High / Low: ₹184/130

In Jun 2026, GIC HOUSING FINANCE LTD (GICHSGFIN) reported sales ₹267 Cr and net profit ₹10 Cr.

Annual TTM: sales ₹1,084 Cr, net profit ₹157 Cr.

Shareholding: Promoters 42.41% (Sep 2026), FIIs 0.93% (Sep 2026), DIIs 2.44% (Sep 2026), Public 54.22% (Sep 2026), No. of Shareholders 60,546% (Sep 2026).

GICHSGFIN quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	264	269	272	265	272	273	273	267
Interest	177	179	174	173	173	173	168	173
Expenses	37	32	30	110	35	42	39	73
Financing Profit	50	59	68	-18	64	58	65	21
Financing Margin %	19%	22%	25%	-7%	23%	21%	24%	8%
Other Income	2	1	-9	0	0	0	1	1
Depreciation	4	4	4	3	3	3	3	4
Profit before tax	48	56	55	-20	61	55	63	18
Tax %	23%	12%	37%	-136%	18%	20%	15%	43%
Net Profit	36	50	35	7	50	44	54	10
EPS in Rs	6.77	9.22	6.52	1.36	9.28	8.10	9.95	1.86
Gross NPA %	3.78%	3.47%	3.03%	4.74%	4.52%	4.24%	3.96%	4.49%
Net NPA %	2.43%	2.22%	1.96%	2.14%	1.99%	1.80%	1.61%	2.04%
Raw PDF	—	—	—	—	—	—	—	—

GICHSGFIN profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,252	1,232	1,152	1,123	1,060	1,079	1,082	1,084
Interest	946	823	702	703	711	703	687	687
Expenses	191	277	216	126	140	151	226	189
Financing Profit	116	131	234	294	209	225	169	208
Financing Margin %	9%	11%	20%	26%	20%	21%	16%	19%
Other Income	3	8	5	6	10	-3	1	2
Depreciation	6	4	9	10	15	15	11	12
Profit before tax	112	135	230	290	204	206	159	197
Tax %	59%	22%	25%	26%	26%	22%	3%	—
Net Profit	46	106	174	213	151	160	154	157
EPS in Rs	8.47	19.60	32.23	39.59	28.07	29.74	28.69	29.19
Dividend Payout %	24%	20%	14%	11%	16%	15%	16%	—

GICHSGFIN balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	54	54	54	54	54	54	54	54
Reserves	1,200	1,209	1,304	1,457	1,645	1,775	1,911	2,052
Borrowing	11,659	11,768	11,226	10,365	9,168	8,584	8,751	9,119
Other Liabilities	57	68	57	53	53	57	60	74
Total Liabilities	12,969	13,099	12,641	11,929	10,920	10,470	10,775	11,298
Fixed Assets	3	19	16	21	52	44	27	69
CWIP	0	13	29	29	9	10	11	16
Investments	14	14	14	15	230	169	255	211
Other Assets	12,953	13,053	12,581	11,864	10,629	10,248	10,482	11,002
Total Assets	12,969	13,099	12,641	11,929	10,920	10,470	10,775	11,298

GICHSGFIN cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-1,645	22	548	1,286	1,044	522	-18	-320
Cash from Investing Activity	1	-11	-14	-4	-213	64	-87	52
Cash from Financing Activity	1,639	51	-558	-892	-1,238	-619	122	255
Net Cash Flow	-5	62	-24	390	-407	-34	18	-14
Free Cash Flow	-1,647	8	532	1,281	1,038	518	-20	-325
CFO/OP	-140%	5%	63%	145%	111%	61%	3%	-33%

GICHSGFIN shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%
FIIs	2.46%	2.18%	2.67%	2.16%	2.08%	1.81%	1.40%	0.93%
DIIs	5.89%	5.89%	5.51%	5.51%	5.05%	4.59%	2.53%	2.44%
Public	49.24%	49.52%	49.39%	49.92%	50.46%	51.18%	53.65%	54.22%
No. of Shareholders	67,790	66,517	65,375	64,226	62,585	61,368	61,754	60,546

GICHSGFIN key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	14%	4%	8%	12%	13%	9%	9%	8%

GICHSGFINUpdated 14 Oct 2026, 17:57

Gic Housing Finance Ltd

GICHSGFINUpdated 14 Oct 2026, 17:57

Market Cap

₹710Cr.

Current Price

₹132

High / Low

₹184/130

Stock P/E

4.52

ROE7.59%

ROCE7.71%

Book Value₹391

Face Value₹10.0

Dividend Yield3.42%

About

Incorporated in 1989, GIC Housing Finance Ltd provides loans for the purchase or construction of residential unit[1]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	268	183	42	43	16	3	4	42	24	32	5.91	4.69	3.25
Sep 2023	268	179	47	42	16	3	4	41	26	30	5.6	4.59	3.08
Dec 2023	261	176	41	44	17	2	4	42	16	36	6.61	4.59	3.01
Mar 2024	260	172	10	77	30	6	4	79	32	54	9.95	3.88	2.69
Jun 2024	274	174	53	47	17	3	4	47	17	39	7.23	3.98	2.56
Sep 2024	264	177	37	50	19	2	4	48	23	36	6.77	3.78	2.43
Dec 2024	269	179	32	59	22	1	4	56	12	50	9.22	3.47	2.22
Mar 2025	272	174	30	68	25	-9	4	55	37	35	6.52	3.03	1.96
Jun 2025	265	173	110	-18	-7	0	3	-20	-136	7	1.36	4.74	2.14
Sep 2025	272	173	35	64	23	0	3	61	18	50	9.28	4.52	1.99
Dec 2025	273	173	42	58	21	0	3	55	20	44	8.1	4.24	1.8
Mar 2026	273	168	39	65	24	1	3	63	15	54	9.95	3.96	1.61
Jun 2026	267	173	73	21	8	1	4	18	43	10	1.86	4.49	2.04

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	733	509	67	157	21	0	4	154	33	103	19.12
Mar 2016	876	601	84	192	22	0	1	191	35	124	23.12
Mar 2017	1002	668	106	228	23	0	1	227	35	148	27.43
Mar 2018	1112	713	124	275	25	0	1	274	25	206	38.19
Mar 2019	1228	866	114	248	20	0	1	247	30	172	31.9
Mar 2020	1252	946	191	116	9	3	6	112	59	46	8.47
Mar 2021	1232	823	277	131	11	8	4	135	22	106	19.6
Mar 2022	1152	702	216	234	20	5	9	230	25	174	32.23
Mar 2023	1123	703	126	294	26	6	10	290	26	213	39.59
Mar 2024	1060	711	140	209	20	10	15	204	26	151	28.07
Mar 2025	1079	703	151	225	21	-3	15	206	22	160	29.74
Mar 2026	1082	687	226	169	16	1	11	159	3	154	28.69
TTM	1084	687	189	208	19	2	12	197	—	157	29.19

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	42.41%
FIIs	0.93%
DIIs	2.44%
Public	54.22%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	42.41%	3.28%	5.89%	48.4%
Mar 2024	42.41%	3.18%	5.89%	48.52%
Jun 2024	42.41%	2.64%	5.89%	49.04%
Sep 2024	42.41%	2.91%	5.89%	48.79%
Dec 2024	42.41%	2.46%	5.89%	49.24%
Mar 2025	42.41%	2.18%	5.89%	49.52%
Jun 2025	42.41%	2.67%	5.51%	49.39%
Sep 2025	42.41%	2.16%	5.51%	49.92%
Dec 2025	42.41%	2.08%	5.05%	50.46%
Mar 2026	42.41%	1.81%	4.59%	51.18%
Jun 2026	42.41%	1.4%	2.53%	53.65%
Sep 2026	42.41%	0.93%	2.44%	54.22%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	54	606	266	6721	3	0	10	6708	6721
Mar 2016	54	678	289	8021	2	0	10	8009	8021
Mar 2017	54	784	329	9404	2	0	26	9376	9404
Mar 2018	54	1064	44	11147	2	0	13	11132	11147
Mar 2019	54	1200	57	12969	3	0	14	12953	12969
Mar 2020	54	1209	68	13099	19	13	14	13053	13099
Mar 2021	54	1304	57	12641	16	29	14	12581	12641
Mar 2022	54	1457	53	11929	21	29	15	11864	11929
Mar 2023	54	1645	53	10920	52	9	230	10629	10920
Mar 2024	54	1775	57	10470	44	10	169	10248	10470
Mar 2025	54	1911	60	10775	27	11	255	10482	10775
Mar 2026	54	2052	74	11298	69	16	211	11002	11298

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	-1103	1	1105	3
Mar 2016	-1167	2	1174	9
Mar 2017	-1178	-16	1203	10
Mar 2018	-1721	2	1715	-5
Mar 2019	-1645	1	1639	-5
Mar 2020	22	-11	51	62
Mar 2021	548	-14	-558	-24
Mar 2022	1286	-4	-892	390
Mar 2023	1044	-213	-1238	-407
Mar 2024	522	64	-619	-34
Mar 2025	-18	-87	122	18
Mar 2026	-320	52	255	-14

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	16%	18%	19%	21%	14%	4%	8%	12%	13%	9%	9%	8%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of GIC HOUSING FINANCE LTD (GICHSGFIN)?

The reported market capitalisation for GIC HOUSING FINANCE LTD (GICHSGFIN) is ₹710Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of GICHSGFIN?

The current price shown for GIC HOUSING FINANCE LTD (GICHSGFIN) on Fincrux is ₹132 with a 52-week high/low of ₹184/130.

What is the P/E ratio of GIC HOUSING FINANCE LTD (GICHSGFIN)?

The stock P/E for GIC HOUSING FINANCE LTD (GICHSGFIN) is 4.52 on Fincrux, with ROE at 7.59% and ROCE at 7.71%.

What were GICHSGFIN latest quarterly results?

For Jun 2026, GIC HOUSING FINANCE LTD (GICHSGFIN) reported sales ₹267 Cr and net profit ₹10 Cr (figures in ₹ crore unless noted).

What are GICHSGFIN annual sales and net profit?

For TTM, GIC HOUSING FINANCE LTD (GICHSGFIN) shows sales of ₹1,084 Cr and net profit of ₹157 Cr on the Fincrux profit & loss statement.

Who owns GIC HOUSING FINANCE LTD (GICHSGFIN)?

Latest shareholding for GIC HOUSING FINANCE LTD (GICHSGFIN) on Fincrux: Promoters 42.41% (Sep 2026), FIIs 0.93% (Sep 2026), DIIs 2.44% (Sep 2026), Public 54.22% (Sep 2026), No. of Shareholders 60,546% (Sep 2026).

Where can I find GIC HOUSING FINANCE LTD (GICHSGFIN) financials?

GIC HOUSING FINANCE LTD (GICHSGFIN) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show GICHSGFIN balance sheet and cash flow?

Yes. The GIC HOUSING FINANCE LTD (GICHSGFIN) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 14 October 2026 at 17:57