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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures
QoQ Changes
Total Figures
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue268261260274264269272265272273
Expenses474110533731301103542
Interest179176172174177179174173173173
Financing Profit42447847505968-186458
Financing Margin %15.5617.0329.8217.2718.8522.0225.16-6.7323.5321.16
Other Income2.601.795.513.251.660.96-8.900.080.190.02
Depreciation3.623.903.833.653.743.783.842.542.812.84
Profit Before Tax41427947485656-206155
Tax %25.7015.8432.2416.8823.4411.9736.71136.5318.3320.36
Net Profit303654393750357.425044
EPS in Rs5.616.629.977.246.789.236.541.389.298.11
Gross NPA %0.000.000.000.000.000.000.000.000.000.00
Net NPA %0.000.000.000.000.000.000.000.000.000.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,1501,1151,0571,0791,070
Expenses217127140151209
Interest701702710703702
Financing Profit232286207225160
Financing Margin %20.2025.6319.5520.8314.91
Other Income6.62141310-6.20
Depreciation8.589.94151514
Profit Before Tax230290204220139
Tax %24.6726.4325.8721.067.62
Net Profit174213151160129
EPS in Rs32.2339.6028.1129.7925.32
Dividend Payout %13.9711.3616.0115.11

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital54545454
Reserves1,4571,6451,7751,911
Borrowings10,3479,1438,5638,727
Other Liabilities71787883
Total Liabilities11,92910,92010,47110,775
Fixed Assets20524427
CWIP298.821011
Investments14229168254
Other Assets11,86510,63010,24810,483
Total Assets11,92910,92010,47110,775

Consolidated Cash Flows (in ₹ Crores)

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Total Figures
YoY Changes
Total Figures
Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity1,2861,043522-18
Cash from Investing Activity-3.26-21364-87
Cash from Financing Activity-892-1,238-619122
Net Cash Flow391-408-3418

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Frequently Asked Questions about GIC Housing Finance Ltd

GIC Housing Finance Ltd (GICHSGFIN) is currently trading at 150.40 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

GIC Housing Finance Limited, a subsidiary of General Insurance Corporation of India, primarily engages in housing finance activities in India catering to individuals and entities involved in residential construction. The company boasts a nationwide presence with 75 offices as of 2019, emphasizing a robust marketing team backed by sales associates and strategic builder partnerships. Having evolved since its inception in 1989, GIC Housing Finance has expanded services across many regions, focusing on direct lending and tailored housing finance solutions. Strategic insurance partnerships have strengthened their offerings, providing borrowers with accidental and mortgaged property insurance coverage. Their evolution includes technological advancements, such as branch interlinking and computerization, signaling consistent growth and adaptation to market demands.

Over the past 52 weeks, GIC Housing Finance Ltd has traded between a low of ₹148.00 and a high of ₹206.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

GIC Housing Finance Ltd has a market capitalization of approximately 812.33. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

GIC Housing Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 5.94 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 812.33 Cr, GIC Housing Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

GIC Housing Finance Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of GIC Housing Finance Ltd is 5.94. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.