GIC Housing Finance

GIC Housing Finance

169.91
-0.27
(-0.16%)
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Key Fundamentals
Add Ratio
Market Cap
914.98 Cr
EPS
29.79
PE Ratio
6.44
Dividend Yield
2.64 %
52 Week High
229.50
52 Week Low
156.01
PB Ratio
0.46
Debt to Equity
4.57
Forecast For
Actual

Company News

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positive
GIC Housing Finance Ltd successfully resolved its litigation with GST Authorities in Uttar Pradesh, receiving a Nil Demand Order confirming no outstanding liability. The resolution eliminates potential financial exposure for the housing finance company and provides regulatory clarity for its operations.
positive
GIC Housing Finance delivered strong quarterly results with net profit rising 37% year-on-year to 500 million rupees, while revenue grew to 2.7 billion rupees from 2.64 billion rupees. The housing finance company also improved its asset quality with Stage 3 ratio declining to 4.52% from 4.74% in the previous quarter.
positive
GIC Housing Finance Limited approved unaudited financial results for the quarter and half-year ended September 30, 2025, alongside appointing new senior management personnel including Ajit Salunke as Legal Head and redesignating key executives across HR, Internal Audit, and Credit departments. The board also approved General Information Document and Key Information Document for raising funds through Secured Non-Convertible Debentures on private placement basis.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
105.57
#1 87,964.46
37.58
9,576.00
25.71
2,163
17.85
33.40
549.40
30,220.46
#1 5.53
#1 28,110.70
3.05
#1 5,443
1.63
34.82
888.95
23,157.91
10.98
7,691.60
8.99
1,936
23.82
52.01
483.20
20,927.04
21.31
3,108.90
20.17
912
17.14
34.65
280.65
14,050.41
16.66
1,798.40
27.62
751
24.51
32.65
163.89
13,575.96
10.25
8,683.30
0.68
-1,808
#1 111.17
35.22
1,626.00
12,871.64
26.38
2,020.70
25.46
491
14.85
47.19
1,170.50
12,121.77
27.15
1,539.20
33.09
382
43.06
47.43
885.80
11,794.79
12.74
3,879.60
10.07
857
18.87
58.14
885.65
9,585.04
21.77
1,175.90
#1 36.51
378
35.41
54.50

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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

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
Sept 2025
Revenue
272
297
291
287
275
278
282
283
269
267
262
263
262
263
268
273
264
267
Expenses
88
61
20
48
53
30
16
28
42
47
41
10
53
37
31
43
110
35
EBITDA
185
236
271
239
222
248
266
255
226
221
221
253
210
225
236
230
153
231
Operating Profit %
68 %
79 %
93 %
83 %
81 %
89 %
94 %
90 %
84 %
82 %
84 %
96 %
80 %
86 %
88 %
84 %
58 %
87 %
Depreciation
1
1
3
3
2
2
2
4
4
4
4
4
4
4
4
4
3
3
Interest
184
179
172
166
171
176
178
178
183
179
176
172
174
177
179
174
173
173
Profit Before Tax
1
58
98
73
51
73
88
78
42
41
42
79
47
48
57
56
-20
61
Tax
-2
13
22
24
12
17
23
25
10
10
7
26
8
11
7
20
-28
11
Net Profit
3
45
77
49
39
56
65
52
32
30
36
54
39
37
50
35
7
50
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
9.29

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 2.64

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
18 Sept 2021 DIVIDEND Dividend
₹ 4.00 /share
16 Sept 2021 148.90 152.30
02 Sept 2022 DIVIDEND Dividend
₹ 4.50 /share
01 Sept 2022 137.95 142.95
25 Aug 2023 DIVIDEND Dividend
₹ 4.50 /share
25 Aug 2023 183.70 182.85
28 Jun 2024 DIVIDEND Dividend
₹ 4.50 /share
28 Jun 2024 209.85 248.38
31 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
31 Jul 2024 209.85 263.74
08 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
08 Nov 2024 225.35 219.83
11 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
11 Feb 2025 187.57 179.75
16 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
16 May 2025 170.59 185.66
18 Jul 2025 DIVIDEND Dividend
₹ 4.50 /share
18 Jul 2025 185.66 204.35
12 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
12 Aug 2025 197.10 179.15
19 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
19 Aug 2025 185.66 175.62
13 Nov 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
13 Nov 2025 172.75 171.16

Announcements

Intimation Under Regulation 30 Of SEBI (LODR) Regulations 2015 - Status Report Of Re-Lodgement Of Transfer Request Of Physical Shares As Per SEBI Circular No. SEBI/HO/MIRSD/MIRSD-Pod/P/CIR/2025/97 Dated July 02 202523 hours ago
Update On Receipt Of GST Notice3 days ago
Submission Of Financial Highlights For The Period Ended September 2025.6 days ago
Announcement under Regulation 30 (LODR)-Newspaper Publication7 days ago
Outcome Of Board Meeting Dated 13Th Nobvember 2025.7 days ago
Board Meeting Outcome for Outcome Of Board Meeting Dated 13Th November 2025.7 days ago
Update on board meetingNov 07, 2025
Announcement under Regulation 30 (LODR)-AllotmentNov 06, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateOct 31, 2025
Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportOct 31, 2025
Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotOct 31, 2025
Board Meeting Outcome for OUTCOME OF BOARD MEETINGOct 31, 2025
Board 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
Board 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
Announcement under Regulation 30 (LODR)-Credit RatingOct 21, 2025
Announcement under Regulation 30 (LODR)-Credit RatingOct 20, 2025
Announcement under Regulation 30 (LODR)-Credit RatingOct 10, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 10, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 01, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateSep 30, 2025
Shareholder Meeting / Postal Ballot-Notice of Postal BallotSep 30, 2025
Closure of Trading WindowSep 25, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateSep 22, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateSep 19, 2025
Intimation Under Regulation 30 & 51 Of SEBI (LODR) Regulations 2015 - ESG RatingSep 12, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 12, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 30, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Aug 25, 2025
Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Aug 22, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 21, 2025
Submission Of Proceedings Of 35Th Annual General Meeting.Aug 19, 2025
Announcement under Regulation 30 (LODR)-Change in DirectorateAug 19, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 19, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 18, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 14, 2025
Financial HighlightsAug 12, 2025
Outcome Of Board Meeting - Financial ResultsAug 12, 2025
Board Meeting Outcome for Outcome Of Board MeetingAug 12, 2025
Announcement under Regulation 30 (LODR)-AllotmentJul 24, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 22, 2025
Business Responsibility and Sustainability Reporting (BRSR)Jul 21, 2025
Notice Of 35Th AGM Scheduled To Be Held On August 19 2025 Through VC/OAVM Mode.Jul 21, 2025
Reg. 34 (1) Annual Report.Jul 21, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 18, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 18, 2025
Board Meeting Outcome for Board Meeting Outcome Dated July 11 2025.Jul 11, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 10, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 08, 2025
Board Meeting Intimation for Consideration Of Unaudited Financial Results For The Quarter Ended On June 30 2025 And Other Business Related Matters.Jul 07, 2025
Announcement under Regulation 30 (LODR)-Credit RatingJul 04, 2025

Technical Indicators

RSI(14)
Neutral
44.70
ATR(14)
Less Volatile
3.72
STOCH(9,6)
Neutral
58.58
STOCH RSI(14)
Neutral
65.48
MACD(12,26)
Bearish
-0.07
ADX(14)
Strong Trend
25.39
UO(9)
Bearish
41.13
ROC(12)
Downtrend And Accelerating
-2.08
WillR(14)
Neutral
-48.24