| Quarterly Financials | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
Revenue  | 272 | 297 | 291 | 287 | 275 | 278 | 282 | 283 | 269 | 267 | 262 | 263 | 262 | 263 | 268 | 273 | 264 |
| Expenses | 88 | 61 | 20 | 48 | 53 | 30 | 16 | 28 | 42 | 47 | 41 | 10 | 53 | 37 | 31 | 43 | 110 |
| EBITDA | 185 | 236 | 271 | 239 | 222 | 248 | 266 | 255 | 226 | 221 | 221 | 253 | 210 | 225 | 236 | 230 | 153 |
| Operating Profit % | 68 % | 79 % | 93 % | 83 % | 81 % | 89 % | 94 % | 90 % | 84 % | 82 % | 84 % | 96 % | 80 % | 86 % | 88 % | 84 % | 58 % |
| Depreciation | 1 | 1 | 3 | 3 | 2 | 2 | 2 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 |
| Interest | 184 | 179 | 172 | 166 | 171 | 176 | 178 | 178 | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 |
| Profit Before Tax | 1 | 58 | 98 | 73 | 51 | 73 | 88 | 78 | 42 | 41 | 42 | 79 | 47 | 48 | 57 | 56 | -20 |
| Tax | -2 | 13 | 22 | 24 | 12 | 17 | 23 | 25 | 10 | 10 | 7 | 26 | 8 | 11 | 7 | 20 | -28 |
| Net Profit | 3 | 45 | 77 | 49 | 39 | 56 | 65 | 52 | 32 | 30 | 36 | 54 | 39 | 37 | 50 | 35 | 7 |
| EPS in ₹ | 0.52 | 8.40 | 14.21 | 9.10 | 7.27 | 10.46 | 12.15 | 9.72 | 5.91 | 5.61 | 6.62 | 9.97 | 7.24 | 6.78 | 9.23 | 6.54 | 1.38 |
GIC Housing Finance
GIC Housing Finance
171.70
-0.98
(-0.57%)
There are new updates from the company22 hours ago
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Key Fundamentals
Market Cap
924.62 Cr
EPS
29.79
PE Ratio
7.23
Dividend Yield
2.60 %
Industry
Financial Services 52 Week High
229.50
52 Week Low
156.01
PB Ratio
0.47
Debt to Equity
4.57
Sector
Housing Finance Actual
Company News
View All News
GIC Housing Finance Limited has allotted 17,500 Non-Convertible Debentures with a face value of Rs 1 lakh each, raising Rs 175 crore through private placement. The Series 10 NCDs carry an interest rate of 7.65% per annum and were allotted to four institutional investors: Royal Sundaram General Insurance Co Ltd, UTI Asset Management Company Ltd, Darshaw Co Pvt Ltd, and Reliance General Insurance Company Ltd. The allotment was completed based on board authorization from May 16, 2025, and the NCDs are proposed to be listed on BSE Limited.
GIC Housing Finance Limited announced that shareholders approved the appointment of Shri Dinesh Waghela (DIN 08072065) as an Independent Director through postal ballot. The e-voting process concluded on October 30, 2025, and the company informed BSE Limited about this board appointment on October 31, 2025.
GIC Housing Finance's board has approved a fundraising plan of ₹200 crores through secured non-convertible debentures. The debentures will carry an interest rate of 7.65% and are set to mature on February 29, 2028.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
109.13 | #1 90,930.77 | 40.20 | 9,576.00 | 25.71 | 2,163 | 17.85 | 43.96 | |
571.25 | 31,422.35 | #1 5.68 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 46.66 | |
890.25 | 23,191.77 | 11.01 | 7,691.60 | 8.99 | 1,936 | 23.82 | 55.34 | |
494.55 | 21,418.60 | 22.77 | 3,108.90 | 20.17 | 912 | 18.59 | 39.46 | |
187.15 | 15,502.72 | 12.11 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 68.37 | |
292.55 | 14,646.17 | 17.51 | 1,798.40 | 27.62 | 751 | 24.51 | 36.21 | |
1,572.20 | 12,445.75 | 25.88 | 2,020.70 | 25.46 | 491 | 14.85 | 41.82 | |
1,137.90 | 11,784.16 | 25.99 | 1,539.20 | 33.09 | 382 | 43.06 | 36.68 | |
873.90 | 11,636.34 | 12.68 | 3,879.60 | 10.07 | 857 | 18.87 | 71.06 | |
850.00 | 9,199.22 | 20.76 | 1,175.90 | #1 36.51 | 378 | 35.41 | 35.85 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
1.79 %
Net Income Growth
5.94 %
Cash Flow Change
-103.36 %
ROE
-1.45 %
ROCE
-0.11 %
EBITDA Margin (Avg.)
-0.91 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 11,929 | 10,920 | 10,471 | 10,775 |
| Fixed Assets | 21 | 52 | 44 | 27 |
| Current Assets | 533 | 216 | 189 | 198 |
| Capital Work in Progress | 29 | 9 | 10 | 11 |
| Investments | 14 | 229 | 168 | 254 |
| Other Assets | 11,865 | 10,630 | 10,248 | 10,483 |
| Total Liabilities | 11,929 | 10,920 | 10,471 | 10,775 |
| Current Liabilities | 597 | 401 | 454 | 797 |
| Non Current Liabilities | 9,822 | 8,820 | 8,188 | 8,013 |
| Total Equity | 1,511 | 1,699 | 1,829 | 1,965 |
| Reserve & Surplus | 1,457 | 1,645 | 1,775 | 1,911 |
| Share Capital | 54 | 54 | 54 | 54 |
Cash Flow
| Cash Flow | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 391 | -408 | -34 | 18 |
| Investing Activities | -3 | -213 | 64 | -87 |
| Operating Activities | 1,286 | 1,043 | 522 | -18 |
| Financing Activities | -892 | -1,238 | -619 | 122 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % | 42.41 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 3.62 % | 3.28 % | 3.18 % | 2.64 % | 2.91 % | 2.45 % | 2.18 % | 2.68 % | 2.15 % |
| DIIs | 6.90 % | 6.90 % | 0.00 % | 6.34 % | 6.34 % | 6.34 % | 6.34 % | 6.34 % | 6.34 % | 6.34 % | 6.34 % | 5.90 % | 5.90 % | 5.90 % | 5.90 % | 5.90 % | 5.90 % | 5.52 % | 5.52 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 44.38 % | 40.40 % | 43.55 % | 40.08 % | 39.14 % | 38.97 % | 36.79 % | 37.00 % | 37.55 % | 37.80 % | 34.34 % | 34.44 % | 35.53 % | 37.15 % | 36.69 % | 37.30 % | 37.61 % | 37.70 % | 37.12 % |
| Others | 6.32 % | 10.30 % | 14.04 % | 11.17 % | 12.12 % | 12.28 % | 14.46 % | 14.25 % | 13.70 % | 13.45 % | 13.29 % | 13.97 % | 12.98 % | 11.91 % | 12.10 % | 11.94 % | 11.90 % | 11.69 % | 12.80 % |
| No of Share Holders | 68,698 | 62,989 | 68,818 | 63,624 | 62,458 | 61,492 | 60,636 | 57,320 | 59,762 | 59,478 | 57,443 | 58,599 | 62,410 | 66,668 | 67,589 | 67,790 | 66,517 | 65,375 | 64,226 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 5 | 5.5 | 5.5 | 2 | 4 | 4.5 | 4.5 | 4.5 | 4.5 |
| Dividend Yield (%) | 0.00 | 1.34 | 2.04 | 9.26 | 1.72 | 3.05 | 2.91 | 2.23 | 2.68 | 2.61 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 13 Nov 2025 |  Quarterly Result Announcement | NA | 13 Nov 2025 | 172.75 | 172.68 |
| 18 Sept 2021 |  Dividend | ₹ 4.00 /share | 16 Sept 2021 | 148.90 | 152.30 |
| 02 Sept 2022 | Dividend | ₹ 4.50 /share | 01 Sept 2022 | 137.95 | 142.95 |
| 25 Aug 2023 | Dividend | ₹ 4.50 /share | 25 Aug 2023 | 183.70 | 182.85 |
| 28 Jun 2024 | Dividend | ₹ 4.50 /share | 28 Jun 2024 | 209.85 | 248.38 |
| 31 Jul 2024 |  Annual General Meeting | NA | 31 Jul 2024 | 209.85 | 263.74 |
| 08 Nov 2024 | Quarterly Result Announcement | NA | 08 Nov 2024 | 225.35 | 219.83 |
| 11 Feb 2025 | Quarterly Result Announcement | NA | 11 Feb 2025 | 187.57 | 179.75 |
| 16 May 2025 | Quarterly Result Announcement | NA | 16 May 2025 | 170.59 | 185.66 |
| 18 Jul 2025 | Dividend | ₹ 4.50 /share | 18 Jul 2025 | 185.66 | 204.35 |
| 12 Aug 2025 | Quarterly Result Announcement | NA | 12 Aug 2025 | 197.10 | 179.15 |
| 19 Aug 2025 | Annual General Meeting | NA | 19 Aug 2025 | 185.66 | 175.62 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment
22 hours ago
22 hours agoAnnouncement under Regulation 30 (LODR)-Change in Directorate6 days ago
6 days ago Shareholder Meeting / Postal Ballot-Scrutinizer"s Report6 days ago
6 days agoShareholder Meeting / Postal Ballot-Outcome of Postal_Ballot6 days ago
6 days agoBoard Meeting Outcome for OUTCOME OF BOARD MEETING7 days ago
7 days agoBoard Meeting Intimation for Approval Of Unaudited Standalone And Consolidated Financial Results For The Second Quarter And Half Year Ended September 30 2025.Oct 27, 2025
Oct 27, 2025Board Meeting Intimation for Perusal And Approval Of Key Information Document For The Purpose Of Raising Of Funds By Way Of Issue Of Redeemable Non Convertible Debt Securities On Private Placement Basis Subject To Market Conditions And Other Business RelaOct 25, 2025
Oct 25, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 21, 2025
Oct 21, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 20, 2025
Oct 20, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 10, 2025
Oct 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 10, 2025
Oct 10, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 01, 2025
Oct 01, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 30, 2025
Sep 30, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotSep 30, 2025
Sep 30, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 19, 2025
Sep 19, 2025Intimation Under Regulation 30 & 51 Of SEBI (LODR) Regulations 2015 - ESG RatingSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 30, 2025
Aug 30, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Aug 25, 2025
Aug 25, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Aug 22, 2025
Aug 22, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 21, 2025
Aug 21, 2025Submission Of Proceedings Of 35Th Annual General Meeting.Aug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateAug 19, 2025
Aug 19, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMAug 19, 2025
Aug 19, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 18, 2025
Aug 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Aug 14, 2025Financial HighlightsAug 12, 2025
Aug 12, 2025Outcome Of Board Meeting - Financial ResultsAug 12, 2025
Aug 12, 2025Board Meeting Outcome for Outcome Of Board MeetingAug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-AllotmentJul 24, 2025
Jul 24, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 22, 2025
Jul 22, 2025Business Responsibility and Sustainability Reporting (BRSR)Jul 21, 2025
Jul 21, 2025Notice Of 35Th AGM Scheduled To Be Held On August 19 2025 Through VC/OAVM Mode.Jul 21, 2025
Jul 21, 2025Reg. 34 (1) Annual Report.Jul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 18, 2025
Jul 18, 2025Board Meeting Outcome for Board Meeting Outcome Dated July 11 2025.Jul 11, 2025
Jul 11, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 08, 2025
Jul 08, 2025Board Meeting Intimation for Consideration Of Unaudited Financial Results For The Quarter Ended On June 30 2025 And Other Business Related Matters.Jul 07, 2025
Jul 07, 2025Announcement under Regulation 30 (LODR)-Credit RatingJul 04, 2025
Jul 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementJun 30, 2025
Jun 30, 2025Closure of Trading WindowJun 26, 2025
Jun 26, 2025Intimation Under Regulation 30 And 57 Of SEBI (LODR) Regulations 2015 - Timely Payment Of Interest On Ncds.Jun 19, 2025
Jun 19, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJun 04, 2025
Jun 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementMay 21, 2025
May 21, 2025Financial Highlights For The Year Ended March 31 2025.May 20, 2025
May 20, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 19, 2025
May 19, 2025Technical Indicators
RSI(14)
Neutral 45.03
ATR(14)
Less Volatile 3.27
STOCH(9,6)
Neutral 47.99
STOCH RSI(14)
Neutral 35.16
MACD(12,26)
Bullish 0.08
ADX(14)
Weak Trend 15.97
UO(9)
Bearish 42.45
ROC(12)
Uptrend And Accelerating 1.18
WillR(14)
Neutral -65.74
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