GIC Housing Finance Ltd.

BSE: GICHSGFIN511676ISIN INE289B01019

Financial Services
Housing Finance Company
BSE Financial Services

Share price

₹125.60+3.60 (+2.95%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹183.90
52W low: ₹120.25
Off 52W high: -31.70%
1M return: -5.56%
3M return: -16.13%
6M return: -19.02%
1Y return: -27.25%
20D avg volume: 3,951
50 DMA: ₹133.81
200 DMA: ₹147.83

Key ratios Consolidated

Market cap: ₹676.37 Cr
Current price: ₹125.60
52W high / low: ₹183.90 / ₹120.25
Face value: ₹10.00
P/E: 4.29
P/B: 0.32
EPS (TTM): ₹29.24
Book value / share: ₹390.94
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 3.38
Net debt: ₹7,075 Cr
Interest cover: 1.23
Dividend yield: 3.58%
Dividend / share (TTM): ₹4.50
Payout: 15.39%
Cash conversion cycle: —

Financials

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	266.76	272.70	272.63	271.54	265.36	271.67	269.26	264.04	273.94	260.03	261.11	267.59
	0.61	0.77	0.02	0.19	0.08	4.16	0.96	1.66	3.25	5.51	1.79	2.60
	267.37	273.47	272.65	271.73	265.44	275.83	270.22	265.70	277.19	265.54	262.90	270.19
	249.63	210.07	217.79	210.47	285.75	207.15	213.75	218.00	230.28	186.33	220.54	229.56
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	22.86	25.10	23.44	22.30	19.51	21.96	18.33	18.03	15.94	15.76	16.88	14.25
	172.98	168.35	172.94	172.58	173.12	173.56	178.55	176.87	173.98	172.33	175.72	179.32
	3.80	2.79	2.84	2.81	2.54	3.84	3.78	3.74	3.65	3.83	3.90	3.62
	17.05	18.18	20.99	14.34	12.42	15.05	14.50	17.73	12.84	16.48	10.71	15.86
	17.74	63.40	54.86	61.26	-20.31	68.68	56.47	47.70	46.91	79.21	42.36	40.63
	0.00	0.00	0.00	0.00	0.00	-13.06	0.00	0.00	0.00	0.00	0.00	0.00
	17.74	63.40	54.86	61.26	-20.31	55.62	56.47	47.70	46.91	79.21	42.36	40.63
	7.66	9.72	11.17	11.23	-27.73	20.42	—	—	—	—	—	—
	10.08	53.68	43.69	50.03	7.42	35.20	49.71	36.52	38.99	53.67	35.65	30.19
	1.87	9.97	8.11	9.29	1.38	6.54	9.23	6.78	7.24	9.97	6.62	5.61
Key metrics
	—	—	—	—	—	—	238.80	228.31	224.54	255.37	221.98	223.57
	—	—	—	—	—	—	88.70%	86.50%	82.00%	98.20%	85.00%	83.50%
	3.80%	19.70%	16.00%	18.40%	2.80%	13.00%	18.50%	13.80%	14.20%	20.60%	13.70%	11.30%
	0.50%	0.40%	1.30%	2.80%	-3.10%	4.50%	3.10%	-1.30%	—	—	—	—
	35.80%	52.50%	-12.10%	37.00%	-81.00%	-34.40%	39.40%	21.00%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	1,084	1,082	1,079	1,057	1,115	1,150
	1.59	1.06	10.03	12.52	14.00	6.62
	1,085	1,083	1,089	1,070	1,129	1,156
	887.96	924.08	869.18	865.52	839.05	926.06
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	93.70	90.35	74.26	64.00	59.93	48.20
	686.85	686.99	702.96	710.38	702.49	700.95
	12.24	10.98	15.01	15.02	9.94	8.58
	70.56	65.93	60.12	57.76	49.12	49.45
	197.26	159.21	219.76	204.16	289.85	230.34
	0.00	0.00	-13.06	0.00	0.00	0.00
	197.26	159.21	206.70	204.16	289.85	230.34
	39.78	4.39	46.28	—	—	—
	157.48	154.82	160.42	151.35	213.25	173.51
	29.24	28.75	29.79	28.11	39.60	32.22
Key metrics
	—	—	—	929.56	1,002	939.87
	—	—	—	87.90%	89.90%	81.70%
	14.53%	14.30%	14.90%	14.30%	19.10%	15.10%
	1.24%	0.30%	2.10%	-5.20%	-3.00%	—
	22.22%	-3.50%	6.00%	-29.00%	22.90%	—
	—	-321.13	-18.87	—	—	—
	—	-2.07	-0.11	—	—	—
	—	3.38	3.75	—	—	—
	—	7,075	7,319	—	—	—
Balance sheet
	—	11,299	10,775	—	—	—
	—	40.06	53.76	—	—	—
	—	0.54	0.23	—	—	—
	—	0.00	0.00	—	—	—
	—	2.79	3.12	—	—	—
	—	7,115	7,373	—	—	—
	—	2,106	1,965	—	—	—
Cash flow
	—	-320.10	-17.53	—	—	—
	—	51.74	-87.02	—	—	—
	—	254.66	122.45	—	—	—
	—	1.03	1.34	—	—	—

Metric	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24	Q2 FY24
Income statement
	266.74	272.70	272.63	271.54	265.36	271.67	269.26	264.04	273.94	260.03	261.11	267.59
	0.58	0.74	0.01	0.17	0.07	4.14	0.95	1.64	3.24	5.50	1.78	2.59
	267.32	273.44	272.64	271.71	265.43	275.81	270.21	265.68	277.18	265.53	262.89	270.18
	249.63	210.17	217.89	210.56	285.83	207.27	213.84	218.03	230.31	186.43	220.59	229.60
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	21.45	23.34	21.60	20.45	17.95	20.31	16.89	17.44	15.59	15.51	16.72	14.13
	172.98	168.35	172.94	172.58	173.12	173.56	178.55	176.87	173.98	172.33	175.72	179.32
	3.79	2.78	2.83	2.81	2.54	3.84	3.78	3.74	3.65	3.83	3.90	3.62
	18.47	20.05	22.94	16.28	14.06	16.82	16.03	18.35	13.22	16.83	10.92	16.02
	17.69	63.27	54.75	61.15	-20.40	68.54	56.37	47.65	46.87	79.10	42.30	40.58
	0.00	0.00	0.00	0.00	0.00	-13.06	0.00	0.00	0.00	0.00	0.00	0.00
	17.69	63.27	54.75	61.15	-20.40	55.48	56.37	47.65	46.87	79.10	42.30	40.58
	7.65	9.69	11.14	11.20	-27.75	20.39	—	—	—	—	—	—
	10.04	53.58	43.61	49.95	7.35	35.09	49.64	36.48	38.96	53.59	35.60	30.16
	1.86	9.95	8.10	9.28	1.36	6.52	9.22	6.77	7.23	9.95	6.61	5.60
Key metrics
	—	—	—	—	—	—	238.70	228.26	224.50	255.26	221.92	223.52
	—	—	—	—	—	—	88.70%	86.40%	82.00%	98.20%	85.00%	83.50%
	3.80%	19.60%	16.00%	18.40%	2.80%	12.90%	18.40%	13.80%	14.20%	20.60%	13.60%	11.30%
	0.50%	0.40%	1.30%	2.80%	-3.10%	4.50%	3.10%	-1.30%	—	—	—	—
	36.60%	52.70%	-12.10%	36.90%	-81.10%	-34.50%	39.40%	21.00%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	1,084	1,082	1,079	1,057	1,115	1,150
	1.50	0.99	9.97	12.48	13.98	6.62
	1,085	1,083	1,089	1,070	1,129	1,156
	888.25	924.45	869.45	865.73	839.08	926.00
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	86.84	83.34	70.23	63.42	59.89	48.20
	686.85	686.99	702.96	710.38	702.49	700.95
	12.21	10.96	15.01	15.02	9.94	8.58
	77.74	73.33	64.42	58.55	49.19	49.39
	196.86	158.77	219.43	203.91	289.80	230.40
	0.00	0.00	-13.06	0.00	0.00	0.00
	196.86	158.77	206.37	203.91	289.80	230.40
	39.68	4.28	46.20	—	—	—
	157.18	154.49	160.17	151.16	213.20	173.57
	29.19	28.69	29.74	28.07	39.59	32.23
Key metrics
	—	—	—	929.31	1,002	939.93
	—	—	—	87.90%	89.90%	81.70%
	14.51%	14.30%	14.80%	14.30%	19.10%	15.10%
	1.24%	0.30%	2.10%	-5.20%	-3.00%	—
	22.26%	-3.50%	6.00%	-29.10%	22.80%	—
	—	-321.13	-19.14	—	—	—
	—	-2.07	-0.11	—	—	—
	—	3.38	3.75	—	—	—
	—	7,075	7,320	—	—	—
Balance sheet
	—	11,298	10,775	—	—	—
	—	39.67	53.38	—	—	—
	—	0.54	0.23	—	—	—
	—	0.00	0.00	—	—	—
	—	2.74	3.12	—	—	—
	—	7,115	7,373	—	—	—
	—	2,106	1,964	—	—	—
Cash flow
	—	-320.16	-17.80	—	—	—
	—	51.79	-87.02	—	—	—
	—	254.66	122.45	—	—	—
	—	0.97	1.34	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: -0.99%
Sales CAGR 5Y: —
Profit CAGR 3Y: -10.18%
Profit CAGR 5Y: —
Sales YoY (TTM): +1.24%
Profit YoY (TTM): +22.26%

Consolidated

Sales CAGR 3Y: -0.99%
Sales CAGR 5Y: —
Profit CAGR 3Y: -10.12%
Profit CAGR 5Y: —
Sales YoY (TTM): +1.24%
Profit YoY (TTM): +22.22%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 42.41%

Quarter	September 2026	June 2026
Promoter %	42.41%	42.41%

Holder	Type	Holding	Previous	Change
GENERAL INSURANCE CORPORATION OF INDIA	Promoter	15.26%	15.26%	0.00%
THE NEW INDIA ASSURANCE COMPANY LIMITED	Promoter	8.65%	8.65%	0.00%
UNITED INDIA INSURANCE COMPANY LIMITED	Promoter	7.35%	7.35%	0.00%
NATIONAL INSURANCE COMPANY LTD	Promoter	5.63%	5.63%	0.00%
THE ORIENTAL INSURANCE COMPANY LIMITED	Promoter	5.52%	5.52%	0.00%
LOK PRAKASHAN LTD	Public	4.12%	4.08%	+0.04%
LIFE INSURANCE CORPORATION OF INDIA	Public	2.44%	2.53%	-0.09%
RANJEET SINGH SIBIA	Public	1.39%	1.37%	+0.02%
VAIPAN ADVISORS PRIVATE LIMITED	Public	1.02%	—	—
INDUTSRIAL CREDIT COMPANY LIMITED	Promoter Group	0.00%	0.00%	0.00%
INDIA INTERNATIONAL INSURANCE PTE. LTD.	Promoter Group	0.00%	0.00%	0.00%
AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED	Promoter Group	0.00%	0.00%	0.00%
GIC PERESTRAKHOVANIE LLC	Promoter Group	0.00%	0.00%	0.00%
PRESTIGE ASSURANCE PLC, NIGERIA	Promoter Group	0.00%	0.00%	0.00%
THE NEW INDIA ASSURANCE COMPANY (TRINIDAD & TOBAGO) LIMITED	Promoter Group	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Housing Finance Limited S	67,800	81.37	24.16	—	+17.18% TTM	+18.86% TTM	-25.76%
Lic Housing Finance Ltd.	28,603	520.00	4.85	—	-0.37% TTM	+6.78% TTM	-9.38%
PNB Housing Finance Limited	28,193	1,081.00	12.00	—	+10.03% TTM	+9.37% TTM	+16.06%
Aadhar Housing Finance Limited	18,882	430.70	16.55	—	+17.72% TTM	+20.23% TTM	-15.47%
Sammaan Capital Limited	14,641	126.05	-2.03	—	-17.09% TTM	-301.99% TTM	-32.27%
Home First Finance Company India Limited S	11,304	1,081.00	18.24	—	+19.25% TTM	+36.85% TTM	-9.60%
Aptus Value Housing Finance India Limited	10,335	206.35	10.50	—	+19.37% TTM	+21.60% TTM	-30.02%
Can Fin Homes Ltd. S	9,651	724.80	8.37	—	+7.87% TTM	+25.13% TTM	-15.86%
AAVAS Financiers Limited	8,924	1,125.40	18.19	—	+25.43% TTM	+14.21% TTM	-31.41%
India Shelter Finance Corporation Limited	7,018	642.50	13.94	—	+31.12% TTM	+33.15% TTM	-27.57%
Repco Home Finance Limited	2,053	328.10	4.26	—	+6.22% TTM	+3.84% TTM	-27.01%
GIC Housing Finance Ltd.	676	125.60	4.29	—	+1.24% TTM	+22.22% TTM	-27.25%
SRG Housing Finance Limited S	159	100.95	4.64	—	+31.34% TTM	+35.05% TTM	-65.50%
Reliance Home Finance Limited S	67	1.38	2.89	-84.90%	-64.52% TTM	+778.93% TTM	-59.05%
Ind Bank Housing Ltd S	49	48.55	12.40	—	+1,267.86% TTM	+1,729.17% TTM	+27.60%
India Home Loan Limited S	42	29.49	282.66	—	-11.09% TTM	-12.50% TTM	-19.09%
STAR HOUSING FINANCE LIMITED S	32	4.06	4.82	—	+23.80% TTM	-38.86% TTM	-75.36%
Sahara HousingFina Corporation Ltd. S	26	36.61	86.20	—	-12.62% TTM	-51.61% TTM	-31.35%
Manraj Housing Finance Ltd. S	17	34.00	-94.44	-2.50%	—	+63.04% TTM	—
Hindustan Housing Co. Ltd. S	0	—	0.04	4.40%	+12.13% TTM	-7.76% TTM	—

Filings & corporate actions

Recent announcements

Change in Senior Management Personnel3 Nov 2026 · Company Update / Change in Management
Intimation under Reg 30 & 51 of SEBI (LODR) Regulations 2015 for appointment of Smt. Lavanya Mundayur (DIN 10884921) as an Additional Director (Non-Executive Director) of the Company28 Oct 2026 · Company Update / Change in Directorate
GIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 12/11/2026 ,inter alia, to consider and approve the unaudited Standalone ....27 Oct 2026 · Board Meeting / Board Meeting
Intimation under Regulation 30 & 51 of SEBI (LODR) Regulations, 201525 Oct 2026 · Company Update / General
Submission of Notice published in Newspaper regarding Special Window for Transfer and Demat of Physical Shares and for Updating KYC Details and Conversion of Physical Shares into Demat Mode23 Oct 2026 · Company Update / Newspaper Publication
Submission of Certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended on September 30, 202612 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Allotment of Non-Convertible Debentures (NCDs) on private placement basis28 Sep 2026 · Company Update / Allotment of Equity Shares
Intimation about Change in Director of the Company28 Sep 2026 · Company Update / Change in Directorate
Submission of Remote e-Voting Results and Scrutinizer Report on Remote e-Voting for Postal Ballot Notice dated August 12, 202628 Sep 2026 · AGM/EGM / Postal Ballot
Outcome of Postal Ballot Notice dated August 12 202628 Sep 2026 · AGM/EGM / Postal Ballot
Completion of 2nd term of Smt. Rani Singh Nair (DIN: 09103000) as an Independent Director25 Sep 2026 · Company Update / Change in Directorate
Closure of Trading Window23 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Issue of NCD on private placement basis22 Sep 2026 · Company Update / General
Intimation under Regulation 30 & 51 of SEBI (LODR) Regulations, 2015 - Credit Rating19 Sep 2026 · Company Update / Credit Rating
Copy of Newspaper Publication for Postal Ballot Notice28 Aug 2026 · Company Update / Newspaper Publication
Submission of Postal Ballot Notice27 Aug 2026 · AGM/EGM / Postal Ballot
Intimation of Payment on Interest on NCD having Scrip Code 97694424 Aug 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Copy of Newspaper Publication24 Aug 2026 · Company Update / Newspaper Publication
Intimation of Interest and Principal Payment of NCD21 Aug 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation of Change in Senior Management Personnel21 Aug 2026 · Company Update / Change in Management
Submission of Financial Highlights for the quarter ended June 30, 202613 Aug 2026 · Company Update / General
Copy of Newspaper Publication of the Financial Results for the quarter ended June 30 202613 Aug 2026 · Company Update / Newspaper Publication
Results - Financial Results for the quarter ended June 30, 202612 Aug 2026 · Result / Financial Results
Outcome of the Board Meeting12 Aug 2026 · Board Meeting / Outcome of Board Meeting
Intimation under Regulation 30 & 51 - Credit Rating7 Aug 2026 · Company Update / Credit Rating
Intimation under Regulation 30 & 51 - Change in Directors4 Aug 2026 · Company Update / Change in Directorate
Outcome of AGM4 Aug 2026 · AGM/EGM / AGM
Consolidated Voting Result along with Consolidated Scrutinizer Report for 36th AGM of the Company4 Aug 2026 · AGM/EGM / AGM
Submission of Proceedings of 36th Annual General Meeting4 Aug 2026 · AGM/EGM / AGM
Change in Senior Management Personnel - Intimation of Joining of Shri Asit Kumar Nandi as Chief Compliance Officer3 Aug 2026 · Company Update / Change in Management
ESG Rating assigned by ESG Risk Assessments & Insights Limited1 Aug 2026 · Company Update / Credit Rating
Cessation of Smt. Girija Subramanian as Non-Executive Director of the Company31 Jul 2026 · Company Update / Change in Directorate
GIC Housing Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 12/08/2026 ,inter alia, to consider and approve the Un-audited Standalone ....31 Jul 2026 · Board Meeting / Board Meeting
Allotment of Non-Convertible Debentures on Private Placement Basis29 Jul 2026 · Company Update / Allotment of Equity Shares
Key Information Document for NCD Series 12 Tranche 123 Jul 2026 · Company Update / Issue of Securities
Change in Senior Management Personnel14 Jul 2026 · Company Update / Change in Management
Certificate under Regulation 74(5) of the SEBI (DP) Regulations, 2018 for the quarter ended June 30, 202610 Jul 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 20153 Jul 2026 · Company Update / General
Submission of Newspaper Clippings - Notice of 36th Annual General Meeting of the Company, e-Voting details and Record date1 Jul 2026 · Company Update / Newspaper Publication
Submission of Notice of the 36th AGM for FY 2025-2630 Jun 2026 · AGM/EGM / AGM

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 4.5000	25 Jun 2026	26 Jun 2026	—
Final Dividend - Rs. - 4.5000	18 Jul 2025	18 Jul 2025	—
Final Dividend - Rs. - 4.5000	28 Jun 2024	28 Jun 2024	—

Board meetings

12 Nov 2026 Board Meeting - Financial Results
12 Aug 2026 Board Meeting - Financial Results