GIC Housing Finance Ltd

₹ 141 1.47%

02 Apr - close price

gichfindia.com BSE: 511676 NSE: GICHSGFIN

About

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

Key Points

Business Overview:^[1]^[2]
GICHFL is registered with the National Housing Bank as an NBFC. It is in housing finance business, financing purchase of plots, houses, flats, as well as for the construction, repair, renovation, and upgrade of residential properties, including houses, flats, etc.

Website BSE NSE

Market Cap ₹ 761 Cr.
Current Price ₹ 141
High / Low ₹ 206 / 130
Stock P/E 5.26
Book Value ₹ 371
Dividend Yield 3.18 %
ROCE 8.66 %
ROE 8.68 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.38 times its book value

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 9.90% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE Allcap BSE Financial Services

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	281	281	268	268	261	260	274	264	269	272	265	272	273
Interest	178	178	183	179	176	172	174	177	179	174	173	173	173
	16	28	42	47	41	10	53	37	31	30	110	35	42
Financing Profit	87	75	43	42	44	78	47	50	59	68	-18	64	58
Financing Margin %	31%	27%	16%	16%	17%	30%	17%	19%	22%	25%	-7%	24%	21%
	3	6	3	3	2	6	3	2	1	-9	0	0	0
Depreciation	2	3	4	4	4	4	4	4	4	4	3	3	3
Profit before tax	88	78	42	41	42	79	47	48	56	56	-20	61	55
Tax %	26%	33%	24%	26%	16%	32%	17%	23%	12%	37%	-137%	18%	20%
	65	52	32	30	36	54	39	37	50	35	7	50	44
EPS in Rs	12.15	9.72	5.91	5.61	6.62	9.97	7.24	6.78	9.23	6.54	1.38	9.29	8.11
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	1,152	1,123	1,060	1,079	1,081
Interest	702	703	711	703	692
	216	126	140	151	217
Financing Profit	234	294	209	225	172
Financing Margin %	20%	26%	20%	21%	16%
	5	6	10	-3	-9
Depreciation	9	10	15	15	12
Profit before tax	230	290	204	207	151
Tax %	25%	26%	26%	22%
	174	213	151	160	136
EPS in Rs	32.22	39.60	28.11	29.79	25.32
Dividend Payout %	14%	11%	16%	15%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	-2%
TTM:	1%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	-2%
TTM:	-19%

Stock Price CAGR
10 Years:	-5%
5 Years:	4%
3 Years:	-5%
1 Year:	-17%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	10%
Last Year:	9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	54	54	54	54	54
Reserves	1,457	1,645	1,775	1,911	1,944
Borrowing	10,365	9,168	8,584	8,751	9,022
	53	53	57	60	62
Total Liabilities	11,929	10,920	10,471	10,775	11,082
	21	52	44	27	40
CWIP	29	9	10	11	-0
Investments	14	229	168	254	287
	11,865	10,630	10,248	10,483	10,755
Total Assets	11,929	10,920	10,471	10,775	11,082

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	1,286	1,043	522	-18
	-3	-213	64	-87
	-892	-1,238	-619	122
Net Cash Flow	391	-408	-34	18
Free Cash Flow	1,281	1,037	518	-20
CFO/OP	145%	111%	61%	3%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	11%	13%	8%	9%

Insights

In beta

Mar 2014

Mar 2015

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Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Disbursements
Rs. in Cr ・Standalone data

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Gross NPA %
% ・Standalone data

Total Loan Portfolio (AUM)
Rs. in Cr ・Standalone data

Capital Adequacy Ratio
% ・Standalone data

Net Interest Margin (NIM)
% ・Standalone data

Yield on Loans/Advances
% ・Standalone data

Number of Locations/Offices
Count ・Standalone data

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%
	2.22%	2.04%	3.62%	3.28%	3.18%	2.64%	2.91%	2.46%	2.18%	2.67%	2.16%	2.08%
	6.34%	6.34%	6.34%	5.89%	5.89%	5.89%	5.89%	5.89%	5.89%	5.51%	5.51%	5.05%
	49.03%	49.21%	47.63%	48.40%	48.52%	49.04%	48.79%	49.24%	49.52%	49.39%	49.92%	50.46%
No. of Shareholders	59,762	59,478	57,443	58,599	62,410	66,668	67,589	67,790	66,517	65,375	64,226	62,585

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	42.16%	42.16%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%	42.41%
	2.93%	3.00%	7.57%	6.34%	0.14%	1.41%	2.22%	3.18%	2.18%	2.08%
	13.35%	12.15%	7.02%	7.00%	6.89%	6.34%	6.34%	5.89%	5.89%	5.05%
	41.57%	42.69%	43.00%	44.25%	50.56%	49.84%	49.03%	48.52%	49.52%	50.46%
No. of Shareholders	41,695	54,896	54,437	53,865	68,698	62,458	59,762	62,410	66,517	62,585

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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GIC Housing Finance Ltd

GIC Housing Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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