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GIC Housing Finance (GICHSGFIN)₹129.34+0.68%Housing Finance Company
In the Jun 2026 quarter (consolidated), GIC Housing Finance reported revenue of ₹267 Cr, up 0.8% from Jun 2025, and net profit of ₹9.98 Cr, up 42.8% year on year. For the year to Mar 2026, revenue were ₹1,081 Cr and net profit ₹155 Cr.
Company filings, consolidated accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 272 | 272 | 267 |
| Interest | 180 | 177 | 173 | 175 | 178 | 180 | 175 | 174 | 174 | 174 | 169 | 174 |
| Net interest income | 88.11 | 84.17 | 87.02 | 99.06 | 85.98 | 89.28 | 97.02 | 91.13 | 98.05 | 98.86 | 104 | 93.10 |
| Expenses | 46.84 | 40.90 | 9.97 | 52.89 | 36.88 | 30.91 | 29.93 | 110 | 34.92 | 41.86 | 38.89 | 72.80 |
| Financing Profit | 42.14 | 44.10 | 78.16 | 47.16 | 50.09 | 59.11 | 68.14 | −18.04 | 64.17 | 58.19 | 65.21 | 21.07 |
| Financing Margin % | 16.0% | 17.0% | 29.9% | 17.0% | 19.0% | 22.0% | 25.0% | −7.0% | 23.9% | 21.0% | 24.0% | 8.0% |
| Other Income | 2.99 | 1.99 | 5.97 | 2.99 | 1.99 | 0.99 | −8.97 | 0.00 | 0.00 | 0.00 | 0.99 | 0.99 |
| Depreciation | 4.01 | 4.01 | 4.01 | 4.01 | 4.01 | 4.01 | 4.01 | 3.01 | 3.01 | 3.01 | 3.01 | 4.01 |
| Profit before tax | 41.05 | 41.99 | 79.01 | 47.05 | 48.02 | 55.99 | 55.99 | −20.01 | 61.01 | 55.06 | 63.08 | 18.01 |
| Tax % | 26.0% | 16.0% | 32.0% | 17.0% | 23.0% | 12.0% | 37.0% | −137.0% | 18.0% | 20.0% | 15.0% | 43.0% |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −8.24 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Profit | 29.95 | 35.96 | 53.92 | 38.97 | 36.96 | 49.97 | 34.94 | 6.99 | 49.95 | 43.97 | 53.92 | 9.98 |
| EPS (Rs) | 5.60 | 6.60 | 9.95 | 7.22 | 6.77 | 9.21 | 6.53 | 1.37 | 9.27 | 8.09 | 9.94 | 1.86 |
| Gross NPA % | 4.6% | 4.6% | 3.9% | 4.0% | 3.8% | 3.5% | 3.0% | 4.7% | 4.5% | 4.2% | 4.0% | 4.5% |
| Net NPA % | 3.1% | 3.0% | 2.7% | 2.6% | 2.4% | 2.2% | 2.0% | 2.1% | 2.0% | 1.8% | 1.6% | 2.0% |
| Provision coverage (approx., excl. write-offs) % | 32.9% | 34.4% | 30.7% | 35.7% | 35.7% | 36.0% | 35.3% | 54.9% | 56.0% | 57.6% | 59.3% | 54.6% |
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| Revenue | 1,151 | 1,121 | 1,059 | 1,078 | 1,081 | 1,084 |
| Interest | 704 | 706 | 714 | 706 | 690 | 690 |
| Net interest income | 447 | 415 | 345 | 372 | 391 | 394 |
| Expenses | 215 | 126 | 140 | 151 | 225 | 188 |
| Financing Profit | 235 | 295 | 209 | 225 | 170 | 209 |
| Financing Margin % | 20.0% | 26.0% | 19.9% | 21.0% | 16.0% | 19.3% |
| Other Income | 4.98 | 5.97 | 9.95 | −2.99 | 0.99 | 1.98 |
| Depreciation | 9.01 | 10.02 | 15.03 | 15.04 | 11.02 | 13.04 |
| Profit before tax | 230 | 290 | 204 | 207 | 159 | 197 |
| Tax % | 25.0% | 26.0% | 26.0% | 22.0% | 3.0% | — |
| Exceptional items | 0.99 | 2.99 | 4.99 | −3.99 | 0.00 | 0.00 |
| Net Profit | 174 | 213 | 151 | 160 | 155 | 158 |
| EPS (Rs) | 32.14 | 39.50 | 28.06 | 29.74 | 28.67 | 29.16 |
| Dividend payout % | 14.0% | 10.9% | 15.9% | 14.9% | 16.0% | — |
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 53.94 | 53.96 | 53.88 | 53.99 | 54.05 |
| Reserves | 1,455 | 1,644 | 1,773 | 1,909 | 2,055 |
| Borrowings | 10,398 | 9,189 | 8,611 | 8,774 | 9,153 |
| Other Liabilities | 53.25 | 53.25 | 56.73 | 60.29 | 74.35 |
| Total Liabilities | 11,961 | 10,941 | 10,496 | 10,796 | 11,335 |
| Fixed Assets | 20.08 | 52.18 | 44.11 | 27.10 | 69.21 |
| CWIP | 28.94 | 8.99 | 9.98 | 10.98 | 15.96 |
| Investments | 14.05 | 230 | 169 | 255 | 210 |
| Other Assets | 11,897 | 10,650 | 10,272 | 10,504 | 11,039 |
| Trade receivables | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 |
| Cash & equivalents | 482 | 90.11 | 41.06 | 59.09 | 45.03 |
| Total Assets | 11,961 | 10,941 | 10,496 | 10,796 | 11,335 |
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Cash from operating activity | 1,283 | 1,039 | 520 | −17.94 | −319 |
| Cash from investing activity | −3.01 | −213 | 64.11 | −87.09 | 52.03 |
| Cash from financing activity | −891 | −1,236 | −618 | 122 | 255 |
| Net cash flow | 391 | −408 | −33.99 | 17.99 | −13.99 |
| Capex | 5.01 | 6.01 | 4.01 | 3.01 | 5.01 |
| Free cash flow | 1,283 | 1,038 | 519 | −20.03 | −325 |
| CFO / OP % | 144.9% | 110.9% | 61.0% | 3.0% | −33.1% |
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| ROE % | 10.9% | 13.0% | 8.0% | 9.0% | 8.0% |
For the Jun 2026 quarter, GIC Housing Finance reported revenue of ₹267 Cr, up 0.8% year on year and net profit of ₹9.98 Cr, up 42.8% year on year.
GIC Housing Finance's revenue for the year to Mar 2026 were ₹1,081 Cr; over the last twelve months they were ₹1,084 Cr.
Net profit for the year to Mar 2026 was ₹155 Cr, and ₹158 Cr over the last twelve months. Earnings per share over the same trailing period were ₹29.16.
Cash from operations was −₹319 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹325 Cr.