Overview

Detailed Summary

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.

Sector: Finance
Industry: Finance - Housing - Large
Market Cap: 810 Cr
Volatility: Low Risk
P/E Ratio: 5.9
Industry P/E: 12.4
PEG Ratio: 1.0
P/B Ratio: 0.4
52W High: 206.00
52W Low: 148.00

Sales CAGR

1Y: 1.82%
3Y: -2.10%
5Y: -2.86%
10Y: 2.36%

Profit CAGR

1Y: 5.99%
3Y: -2.64%
5Y: 28.56%
10Y: 2.84%

ROE

TTM: 7.12%
3Y: 9.55%
5Y: 9.61%
10Y: 11.05%

ROCE

TTM: 7.71%
3Y: 9.23%
5Y: 8.76%
10Y: 9.37%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
APTUS	228.45	11,439 Cr	12.86	2.46	1.97	18.11	14.31	7.39
HOMEFIRST	1070.30	11,198 Cr	22.70	2.79	0.30	11.28	10.11	3.59
CANFINHOME	811.65	10,807 Cr	11.10	1.98	1.48	16.87	8.93	2.33
AAVAS	1230.10	9,755 Cr	19.87	2.59	0.00	13.00	8.96	2.97
INDIASHLTR	700.00	7,562 Cr	16.61	2.59	0.71	15.29	11.72	5.52
REPCOHOME	361.15	2,254 Cr	4.90	0.62	1.11	12.70	10.36	2.84
GICHSGFIN	149.90	810 Cr	5.92	0.41	2.99	7.12	7.71	1.23

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	268	261	260	274	264	269	272	265	272	273
Expenses	47	41	10	53	37	31	30	110	35	42
Interest	179	176	172	174	177	179	174	173	173	173
Financing Profit	42	44	78	47	50	59	68	-18	64	58
Financing Margin %	15.56	17.03	29.82	17.27	18.85	22.02	25.16	-6.73	23.53	21.16
Other Income	2.60	1.79	5.51	3.25	1.66	0.96	-8.90	0.08	0.19	0.02
Depreciation	3.62	3.90	3.83	3.65	3.74	3.78	3.84	2.54	2.81	2.84
Profit Before Tax	41	42	79	47	48	56	56	-20	61	55
Tax %	25.70	15.84	32.24	16.88	23.44	11.97	36.71	136.53	18.33	20.36
Net Profit	30	36	54	39	37	50	35	7.42	50	44
EPS in Rs	5.61	6.62	9.97	7.24	6.78	9.23	6.54	1.38	9.29	8.11
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1,150	1,115	1,057	1,079	1,070
Expenses	217	127	140	151	209
Interest	701	702	710	703	702
Financing Profit	232	286	207	225	160
Financing Margin %	20.20	25.63	19.55	20.83	14.91
Other Income	6.62	14	13	10	-6.20
Depreciation	8.58	9.94	15	15	14
Profit Before Tax	230	290	204	220	139
Tax %	24.67	26.43	25.87	21.06	7.62
Net Profit	174	213	151	160	129
EPS in Rs	32.23	39.60	28.11	29.79	25.32
Dividend Payout %	13.97	11.36	16.01	15.11	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	54	54	54	54
Reserves	1,457	1,645	1,775	1,911
Borrowings	10,347	9,143	8,563	8,727
Other Liabilities	71	78	78	83
Total Liabilities	11,929	10,920	10,471	10,775
Fixed Assets	20	52	44	27
CWIP	29	8.82	10	11
Investments	14	229	168	254
Other Assets	11,865	10,630	10,248	10,483
Total Assets	11,929	10,920	10,471	10,775

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	1,286	1,043	522	-18
Cash from Investing Activity	-3.26	-213	64	-87
Cash from Financing Activity	-892	-1,238	-619	122
Net Cash Flow	391	-408	-34	18

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	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	2.22%	2.04%	3.62%	3.28%	3.18%	2.64%	2.91%	2.45%	2.18%	2.68%	2.15%	2.08%
DIIs	6.34%	6.34%	6.34%	5.90%	5.90%	5.90%	5.90%	5.90%	5.90%	5.52%	5.52%	5.06%
Public	49.04%	49.21%	47.63%	48.41%	48.51%	49.05%	48.79%	49.24%	49.51%	49.40%	49.92%	50.46%
Total 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

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Frequently Asked Questions about GIC Housing Finance Ltd

GIC Housing Finance Ltd (GICHSGFIN) is currently trading at 149.20 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 809.90. 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 5.92 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 809.90 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 5.92. 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.

Gic Housing Finance Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

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Frequently Asked Questions about GIC Housing Finance Ltd

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What is the 52-week high and low of GIC Housing Finance Ltd?

What is the market capitalization of GIC Housing Finance Ltd?

Should I consider investing in GIC Housing Finance Ltd stock?

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Frequently Asked Questions about GIC Housing Finance Ltd

What is GIC Housing Finance Ltd share price today?

What does GIC Housing Finance Ltd do?

What is the 52-week high and low of GIC Housing Finance Ltd?

What is the market capitalization of GIC Housing Finance Ltd?

Should I consider investing in GIC Housing Finance Ltd stock?

Is GIC Housing Finance Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does GIC Housing Finance Ltd belong to and why does it matter?

What is the PE ratio of GIC Housing Finance Ltd?

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