| 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
176.55
+1.49
(0.85%)
Market Cap
950.74 Cr
EPS
29.79
PE Ratio
6.88
Dividend Yield
2.57 %
Industry
Financial Services52 Week High
255.58
52 Week Low
156.01
PB Ratio
0.48
Debt to Equity
4.57
Sector
Housing Finance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Company News
View All News
Company Shareholders Approve Key Resolutions at 35th Annual General MeetingAug 19, 2025
Shareholders approved multiple resolutions at the 35th Annual General Meeting held on August 19, 2025. The approvals included re-appointment of Shri B. S. Rahul and Smt. Girija Subramanian as Non-Executive Directors, and re-appointment of Shri Damodharan Neelam as Independent Director. Shareholders also approved appointment of Shri Sanjay Joshi as Non-Executive Director. The meeting approved appointment of M/s. Gokhale & Sathe as Statutory Auditor for 3 years, replacing M/s. Chandabhoy & Jassoobhoy, and M/s. Mehta & Mehta as Secretarial Auditor for 5 years. Additionally, shareholders approved material related party transactions with promoter companies up to ₹1,000 crores and private placement of redeemable non-convertible debentures up to ₹2,500 crores.
GIC Housing Finance Reports Net Profit of ₹735 Lakh for Q1 FY2026Aug 12, 2025
GIC Housing Finance Ltd. reported quarterly results with net profit of ₹735 lakh compared to ₹3,896 lakh in the same quarter last year. Total income decreased to ₹26,543 lakh from ₹27,718 lakh year-on-year. The company faced a loss before tax of ₹2,040 lakh but benefited from a deferred tax credit of ₹3,675 lakh. Impairment provisions increased significantly to ₹7,797 lakh from ₹2,384 lakh in the previous year quarter. The company modified its Expected Credit Loss calculation method, resulting in increased ECL provision by ₹5,416 lakh. Additionally, repossessed properties worth ₹16,889 lakh were reclassified from Assets Held for Sale to Loans, leading to additional ECL provisioning of ₹2,731 lakh. Earnings per share stood at ₹1.36 compared to ₹7.23 in the corresponding quarter last year. The Stage 3 ratio increased to 4.74% from 3.98% year-on-year, while the Provision Coverage Ratio improved to 56.01% from 36.61%.
GIC Housing Finance Reports Q4 Results and Dividend RecommendationMay 16, 2025
GIC Housing Finance has announced its Q4 results and dividend recommendation. The company's net profit for Q4 was 351 million rupees, down from 535.9 million rupees year-over-year and 496 million rupees quarter-over-quarter. Revenue for Q4 was 2.7 billion rupees, up from 2.6 billion rupees year-over-year. The company's Stage 3 assets decreased to 3.03% from 3.47% quarter-over-quarter. GIC Housing Finance has recommended a dividend of 4.5 rupees per equity share.
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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 |
|---|---|---|---|---|---|---|---|---|
114.80 | #1 95,655.20 | 42.46 | 9,576.00 | 25.71 | 2,163 | 20.87 | 58.65 | |
593.20 | 32,629.74 | #1 5.72 | #1 28,110.70 | 3.05 | #1 5,443 | 4.41 | 52.75 | |
538.55 | 23,268.56 | 24.53 | 3,108.90 | 20.17 | 912 | 18.59 | 65.94 | |
861.30 | 22,405.33 | 10.75 | 7,691.60 | 8.99 | 1,936 | 23.27 | 55.29 | |
329.50 | 16,471.98 | 20.61 | 1,798.40 | 27.62 | 751 | 27.65 | 43.99 | |
1,278.70 | 13,201.74 | 31.96 | 1,539.20 | 33.09 | 382 | 35.42 | 49.92 | |
1,649.90 | 13,060.10 | 26.62 | 2,020.70 | 25.46 | 491 | 14.85 | 50.69 | |
139.19 | 11,529.92 | 7.99 | 8,683.30 | -1.16 | -1,808 | 2.29 | 58.52 | |
774.95 | 10,318.78 | 11.78 | 3,879.60 | 10.07 | 857 | 12.17 | 60.64 | |
904.75 | 9,765.37 | 23.36 | 1,175.90 | #1 36.51 | 378 | #1 42.99 | 46.42 |
Automatic Screeners on ScanX
Forecast
Actual
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 |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| 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 | 2.57 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 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
Intimation Under Regulation 30 & 51 Of SEBI (LODR) Regulations 2015 - ESG Rating
5 days ago
5 days agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication6 days ago
6 days agoAnnouncement 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, 2025Corporate Action-Board approves DividendMay 16, 2025
May 16, 2025Financial Results As On 31-03-2025 As Part Of Board Meeting OutcomeMay 16, 2025
May 16, 2025Board Meeting Outcome for Outcome Of Board MeetingMay 16, 2025
May 16, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 15, 2025
May 15, 2025Announcement under Regulation 30 (LODR)-Change in ManagementMay 05, 2025
May 05, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 09, 2025
Apr 09, 2025Board Meeting Outcome for Outcome Of Board Meeting Dated April 03 2025.Apr 03, 2025
Apr 03, 2025Board Meeting Intimation for Consideration Of Financial Results Dividend If Any And Fund Raising By Issue Of Ncds On Private Placement Basis.Mar 26, 2025
Mar 26, 2025Closure of Trading WindowMar 25, 2025
Mar 25, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateMar 24, 2025
Mar 24, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMar 24, 2025
Mar 24, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateFeb 28, 2025
Feb 28, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 20, 2025
Feb 20, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotFeb 19, 2025
Feb 19, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotFeb 19, 2025
Feb 19, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationFeb 13, 2025
Feb 13, 2025Technical Indicators
RSI(14)
Neutral 46.16
ATR(14)
Less Volatile 3.76
STOCH(9,6)
Neutral 49.01
STOCH RSI(14)
Overbought 95.16
MACD(12,26)
Bullish 0.85
ADX(14)
Weak Trend 19.82
UO(9)
Bearish 41.86
ROC(12)
Uptrend And Accelerating 1.06
WillR(14)
Neutral -39.51
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