GICHSGFIN · NSE
GIC Housing Finance Limited
₹139.35
+2.49% (+₹3.38)
Prev. close
₹135.97
Volume
89,007
Delivery %
66.8%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About GIC Housing Finance Limited
GIC Housing Finance Limited provides housing finance services for salaried and self-employed individuals in India. The company offers long-term finance to individuals, cooperative societies, associations of persons, companies, and corporations for the purchase of plots, houses, flats, and apartments, as well as for the construction, repair, renovation, and upgradation of houses, flats, and apartments for residential purposes. It also provides home loans, including individual housing, composite, repair and renovation, and home extension loans, as well as balance transfer services; and non-housing loans, such as loans against housing property and commercial loans. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
Details
Sector
Financial Services
Industry
Mortgage Finance
CEO
Mr. Sachindra Dattaram Salvi
Headquarters
Mumbai
Employees
515
Website
gichfindia.comExchange
View on NSE ↗Key stats
Market cap
₹750.41 Cr
P/E ratio (TTM)
4.8
Dividend yield
3.31%
EPS (TTM)
₹29.23
Beta (1Y · daily vs NIFTY 50)
0.92
Beta (5Y · monthly vs NIFTY 50)
1.49
Shares float
3.50 Cr
EPS · quarter ended Jun 2026
₹1.87
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1,230.27 Cr | ₹1,149.78 Cr | ₹1,114.90 Cr | ₹1,057.16 Cr | ₹1,078.91 Cr | ₹1,082.23 Cr | |
| EBITDA | ₹961.90 Cr | ₹939.87 Cr | ₹301.32 Cr | ₹220.83 Cr | ₹223.39 Cr | ₹173.19 Cr |
| ₹59.31 Cr | ₹173.51 Cr | ₹213.25 Cr | ₹151.35 Cr | ₹160.42 Cr | ₹154.82 Cr | |
| Diluted EPS | ₹19.6 | ₹32.22 | ₹39.6 | ₹28.11 | ₹29.79 | ₹28.75 |
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹12,640.84 Cr | ₹11,929.00 Cr | ₹10,920.00 Cr | ₹10,471.00 Cr | ₹10,775.00 Cr | ₹11,299.00 Cr | |
| — | — | ₹9,167.94 Cr | ₹8,584.40 Cr | ₹8,750.59 Cr | ₹9,118.76 Cr | |
| Stockholders' equity | ₹1,357.82 Cr | ₹1,511.00 Cr | ₹1,699.00 Cr | ₹1,829.00 Cr | ₹1,965.00 Cr | ₹2,107.00 Cr |
Current assets, Non-current assets, Fixed assets, CWIP, Others, Total debt, Long-term debt, Current (short-term) debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2023-03-31, 2024-03-31, 2025-03-31, 2026-03-31 — a real filed figure, not a gap: positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies). 2021-03-31, 2022-03-31 have no Inventory figure at all reaching this deck yet — not verified as zero, not verified as positive — so they are left blank rather than assumed to match the filed zero.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹547.88 Cr | ₹1,286.00 Cr | ₹1,043.00 Cr | ₹522.00 Cr | ₹-18.00 Cr | ₹-320.00 Cr | |
| Investing cash flow | ₹-13.84 Cr | ₹-3.26 Cr | ₹-212.85 Cr | ₹63.50 Cr | ₹-87.02 Cr | ₹51.74 Cr |
| ₹-557.91 Cr | ₹-891.77 Cr | ₹-1,238.36 Cr | ₹-619.39 Cr | ₹122.45 Cr | ₹254.66 Cr | |
| Capital expenditure | ₹-15.70 Cr | ₹-5.40 Cr | ₹-6.03 Cr | ₹-4.00 Cr | ₹-2.65 Cr | ₹-5.30 Cr |
| End cash position | ₹86.76 Cr | ₹477.76 Cr | ₹69.70 Cr | ₹35.86 Cr | ₹53.76 Cr | ₹40.06 Cr |
Debt issued, Debt repaid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21–Jun 26(20Q) |
|---|---|
| Promoter | 42.41% |
| Public | 57.59% |
| Employee trusts | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| GIC Housing Finance Limited | ₹732.21 Cr | ₹139.35 | 4.7 | 0.35 | 7.3% | 4.33 | +1.4% | -21.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 30
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
1 index
Weight is BSE’s own published index weight. Indices without weight data are listed without one, in alphabetical order after the weighted ones.