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Investor Presentation
Q3 FY26
Upcoming Result Date: Nov 11, 2026
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Bearish
4
Neutral
7
Bullish
3
Bearish
21
Neutral
7
Bullish
18
Bearish
17
Neutral
0
Bullish
15
Bearish
17
Neutral
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Bullish
15
Bearish
17
Neutral
0
Bullish
15
Bearish
17
Neutral
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Bullish
15
GIC Housing Finance Ltd (GICHSGFIN) is currently trading at 127.25 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 is an Indian housing finance company that originates and services residential home loans and developer financing, promoted by General Insurance Corporation of India and operating through a branch network of 84 branches, 5 satellite offices and 7 hubs as of March 2026, focusing on retail mortgage lending and refinance solutions. Despite modest AUM growth, GIC Housing Finance delivered 20% H1 FY26 disbursement growth and a 54% QoQ jump in Q2, while average ticket size rose from ₹27.50 lakhs to ₹31.50 lakhs, indicating a strategic shift toward larger loans and higher origination velocity that could improve yields and loan book composition over time. Asset quality shows multi-year improvement with gross NPA declining from 3.88% in Mar 2024 to 3.03% in Mar 2025, but H1 FY26 saw a rise to 4.52% after merging Assets Held for Sale into NPAs; cumulative ECL provisions rose to ₹418 crore as of Sep 2025, reflecting conservative provisioning while net NPA remains under 2%. The company maintains diversified funding with an 84:16 long-term to short-term borrowing ratio, a borrowing portfolio of approximately ₹8,999 crore as on Sep 2025, a board-approved borrowing limit of ₹17,000 crore, and strong credit ratings (ICRA/CRISIL AA+ long-term and A1+ short-term), supporting liquidity and measured growth.
Over the past 52 weeks, GIC Housing Finance Ltd has traded between a low of ₹120.25 and a high of ₹183.90. 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 676.36. 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 4.29 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 676.36 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 its sector 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 4.29. 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 reported net profit of ₹53.68 crore for the March 2026 quarter, up 22.9% QoQ and 52.5% YoY as per the provided data.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
125.60 | 676 Cr | 4.29 | 0.32 | 3.58 | 7.35 | 7.53 | 1.39 | ||
100.95 | 159 Cr | 4.64 | 0.53 | 0.00 | 10.94 | 10.20 | 2.91 | ||
1.38 | 67 Cr | 2.77 | 0.00 | 0.00 | 7.65 | 25.35 | 1529.75 | ||
48.55 | 49 Cr | 12.42 | 0.00 | 0.00 | -3.34 | 17.45 | 24.72 | ||
29.49 | 42 Cr | 526.50 | 1.02 | 0.00 | 0.23 | 8.78 | 0.14 | ||
4.06 | 32 Cr | 4.83 | 0.22 | 2.46 | 5.59 | 11.56 | 1.20 | ||
36.61 | 26 Cr | 85.43 | 0.49 | 0.00 | 0.65 | 3.04 | 0.44 | ||
| Median: 7 Co. | — | 36.61 | 49 Cr | 4.83 | 0.32 | 0.00 | 5.59 | 10.20 | 1.39 |
GIC Housing Finance Limited is an Indian housing finance company that originates and services residential home loans and developer financing, promoted by General Insurance Corporation of India and operating through a branch network of 84 branches, 5 satellite offices and 7 hubs as of March 2026, focusing on retail mortgage lending and refinance solutions.
Despite modest AUM growth, GIC Housing Finance delivered 20% H1 FY26 disbursement growth and a 54% QoQ jump in Q2, while average ticket size rose from ₹27.50 lakhs to ₹31.50 lakhs, indicating a strategic shift toward larger loans and higher origination velocity that could improve yields and loan book composition over time.
Asset quality shows multi-year improvement with gross NPA declining from 3.88% in Mar 2024 to 3.03% in Mar 2025, but H1 FY26 saw a rise to 4.52% after merging Assets Held for Sale into NPAs; cumulative ECL provisions rose to ₹418 crore as of Sep 2025, reflecting conservative provisioning while net NPA remains under 2%.
The company maintains diversified funding with an 84:16 long-term to short-term borrowing ratio, a borrowing portfolio of approximately ₹8,999 crore as on Sep 2025, a board-approved borrowing limit of ₹17,000 crore, and strong credit ratings (ICRA/CRISIL AA+ long-term and A1+ short-term), supporting liquidity and measured growth.
Finance
Housing Finance Company
685 Cr
Low Risk
4.3
15.9
0.2
0.3
183.90
120.25
Sales CAGR
Profit CAGR
ROE
ROCE
