₹149.59
▼ -0.24 -0.16%
As of 05 Aug 2026 · delayed
NSE Listed · Financial Services
GIC Housing Finance Limited (GICHSGFIN)
Volume: 57,558Avg Vol 1W: 42,088Avg Vol 1M: 73,69052W Range:₹130.05₹188.92
Key Ratios
Checked 10h agoMarket Cap₹807 Cr
Current Price₹149.59
Previous Close₹149.83
High / Low (52w)₹188.92 / ₹130.05
Volume57,558
Avg Vol (1W)42,088
Avg Vol (1M)73,690
Stock P/E5.21
Book Value₹391.15
Dividend Yield3.04%
ROE7.61%
ROA1.4%
Revenue (TTM)—
Revenue Growth—
Profit Margin—
Total Debt₹3 Cr
Shares Outstanding5 Cr
Face Value₹10
EPS (TTM)₹28.75
P/B0.38
Debt / Equity432.91
50 DMA₹152.59
200 DMA₹158.7
Day change-0.16%
Price Chart
₹149.59▼ 18.22% · 1Y
2025-08-062026-08-05
20-day avg volume: 75K shares
Pros
- Pays a dividend yield of 3.0%.
- Stock trades below its book value.
Cons
- High debt relative to equity.
Quarterly Results
| Metric | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — | — | — |
| Net Profit | ₹39 Cr | ₹37 Cr | ₹50 Cr | ₹35 Cr | ₹7 Cr | ₹50 Cr | ₹44 Cr | ₹54 Cr |
| EPS | — | — | — | — | — | — | — | — |
Profit & Loss (Annual)
| Metric | Dec 2024 | Mar 2025 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | ₹1,089 Cr | — | — | — | — | ₹1,083 Cr |
| EBITDA | — | — | ₹220 Cr | — | — | — | — | ₹159 Cr |
| Net Profit | ₹50 Cr | ₹35 Cr | ₹160 Cr | ₹7 Cr | ₹50 Cr | ₹44 Cr | ₹54 Cr | ₹155 Cr |
| EPS | — | — | 29.79 | — | — | — | — | 28.75 |
Balance Sheet
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Total Assets | ₹13,099 Cr | ₹12,641 Cr | ₹11,929 Cr | ₹10,920 Cr | ₹10,471 Cr | ₹10,775 Cr | ₹11,299 Cr |
| Total Liabilities | ₹11,836 Cr | ₹11,283 Cr | ₹10,418 Cr | ₹9,221 Cr | ₹8,642 Cr | ₹8,811 Cr | ₹9,193 Cr |
| Equity | ₹1,263 Cr | ₹1,358 Cr | ₹1,511 Cr | ₹1,699 Cr | ₹1,829 Cr | ₹1,965 Cr | ₹2,106 Cr |
| Total Debt | ₹11,003 Cr | ₹9,966 Cr | — | — | — | — | — |
Cash Flow
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | ₹-179 Cr | ₹-89 Cr | ₹703 Cr | ₹-85 Cr | ₹-76 Cr | ₹-133 Cr |
| Investing | ₹-14 Cr | ₹-3 Cr | ₹-213 Cr | ₹64 Cr | ₹-87 Cr | ₹52 Cr |
| Financing | ₹-558 Cr | ₹-892 Cr | ₹-1,238 Cr | ₹-619 Cr | ₹122 Cr | ₹255 Cr |
| Free Cash Flow | ₹-179 Cr | ₹-89 Cr | ₹703 Cr | ₹-85 Cr | ₹-76 Cr | ₹-133 Cr |
Shareholding
Promoter 6.92% Institutions 45.95% Public 47.13%
About GIC Housing Finance Limited
Financial Services · Mortgage Finance
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.
www.gichfindia.com ↗Efficiency & Working Capital
ROCE8.6%
Interest Coverage0
Dividend Payout—
Debtor Days0 d
Inventory Days0 d
Payable Days5 d
Cash Conversion Cycle-5 d
Working Capital Days0 d
Shareholding Details
As of 2026-06-30
Promoter42.4%
FII1.4%
DII2.5%
Institutions3.9%
Public53.7%
Promoter Pledge0%
No. of Shareholders61,754
Shareholding Pattern
Quarterly — figures in %. Latest 12 quarters.
| Period | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% | 42.4% |
| FIIs | 3.6% | 3.3% | 3.2% | 2.6% | 2.9% | 2.5% | 2.2% | 2.7% | 2.2% | 2.1% | 1.8% | 1.4% |
| DIIs | 6.3% | 5.9% | 5.9% | 5.9% | 5.9% | 5.9% | 5.9% | 5.5% | 5.5% | 5.1% | 4.6% | 2.5% |
| Public | 47.6% | 48.4% | 48.5% | 49.1% | 48.8% | 49.2% | 49.5% | 49.4% | 49.9% | 50.5% | 51.2% | 53.7% |
| Promoter Pledge | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| No. of Shareholders | 57,443 | 58,599 | 62,410 | 66,668 | 67,589 | 67,790 | 66,517 | 65,375 | 64,226 | 62,585 | 61,368 | 61,754 |
Returns History (ROE / ROCE / ROA)
| Period | ROE | ROCE | ROA | P/E |
|---|---|---|---|---|
| 202603 | — | — | — | — |
Major Shareholders (>1%)
| Name | Category | Stake | Shares |
|---|---|---|---|
| General Insurance Corporation Of India | Shareholding of Promoter and Promoter Group | 15.3% | 82,18,802 |
| The New India Assurance Company Limited | Shareholding of Promoter and Promoter Group | 8.7% | 46,56,913 |
| United India Insurance Company Limited | Shareholding of Promoter and Promoter Group | 7.4% | 39,56,000 |
| National Insurance Company Ltd | Shareholding of Promoter and Promoter Group | 5.6% | 30,30,100 |
| The Oriental Insurance Company Limited | Shareholding of Promoter and Promoter Group | 5.5% | 29,75,024 |
| Lok Prakashan Ltd | Public Shareholding | 4.1% | 21,97,944 |
| Life Insurance Corporation Of India | Public Shareholding | 2.5% | 13,64,373 |
| Ranjeet Singh Sibia | Public Shareholding | 1.4% | 7,40,000 |
| Gic Re South Africa Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Gic Re India Corporate Member Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Gic Perestrakhovanie Llc | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Gic Bhutan Re Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| India International Insurance Pte. Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
| The New India Assurance Company (trinidad & Tobago) Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| The New India Assurance Company (sierra Leone) Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Prestige Assurance Plc, Nigeria | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Agriculture Insurance Company Of India Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Health Insurance Tpa Of India Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Zenith Securities &investment Ltd. | Shareholding of Promoter and Promoter Group | 0% | 0 |
| Indutsrial Credit Company Limited | Shareholding of Promoter and Promoter Group | 0% | 0 |
Board of Directors
| Name | Designation | Year |
|---|---|---|
| Rajeshwari Singh Muni | Non-Exec & Non-Independent Dir | 2026 |
| B. S. Rahul | Non-Exec & Non-Independent Dir | 2026 |
| Girija Subramanian | Non-Exec & Non-Independent Dir | 2026 |
| Hitesh Joshi | Non-Exec & Non-Independent Dir | 2026 |
| Rani Singh Nair | Independent Non Exe. Director | 2026 |
| Vaijinath Gavarshetty | Independent Non Exe. Director | 2026 |
| S. J. Krishnan | Independent Non Exe. Director | 2026 |
| Kishore Garimella | Independent Non Exe. Director | 2026 |
| Neelam Damodharan | Independent Non Exe. Director | 2026 |
| Sunil Kakar | Independent Non Exe. Director | 2026 |
| Shri Sachindra Salvi | Managing Director & CEO | 2026 |
| Sanjay Joshi | Non-Exec & Non-Independent Dir | 2026 |
| Dinesh Ranchhodbhai Waghela | Independent Non Exe. Director | 2026 |
| Rajkumar Gor | CS / Compliance Officer / Group Head | 2026 |
Segments — Product
| Segment | Revenue | Share |
|---|---|---|
| financing | ₹0 Cr | — |
Capital Structure (₹ Cr)
| Year | Face Value | Authorised | Issued | Paid-up |
|---|---|---|---|---|
| 2026 | ₹10 | 150 | 54 | 54 |
Corporate Actions
| Type | Date | Value | Remark |
|---|---|---|---|
| forthcoming | 2026-08-12 | Board Meetings | — |
| dividend | 2026-06-25 | ₹4.5 (45.0%) | Final |
| dividend | 2026-06-25 | ₹4.5 (45%) | Final |
| dividend | 2025-07-18 | ₹4.5 (45%) | Final |
Related-Party Transactions (₹ Cr)
| Year | Subsidiaries | Associates | JV | KMP | Others | Total |
|---|---|---|---|---|---|---|
| 2026 | 8 | 0 | 0 | 4 | 0 | 11 |
| 2026 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2026 | 8 | 0 | 0 | 3 | 0 | 11 |
Company Information
🌐 www.gichfindia.com ↗
📍 Royal Insurance Build 6th Flr, 14 Jamshedji Tata Rd Churchgat, Mumbai, Maharashtra, 400020
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