GIC Housing Finance Ltd.

BSE: GICHSGFIN511676ISIN INE289B01019

Financial Services
Housing Finance Company
BSE Financial Services

BSE listing

Share price

₹138.45+3.15 (+2.33%)

as of 18 Sep 2026

52W high: ₹183.90
52W low: ₹130.15
Off 52W high: -24.71%
1M return: +0.91%
3M return: -15.24%
6M return: -2.40%
1Y return: -21.47%
20D avg volume: 4,800
50 DMA: ₹144.11
200 DMA: ₹154.15

Key ratios Consolidated

Market cap: ₹745.57 Cr
Current price: ₹138.45
52W high / low: ₹183.90 / ₹130.15
Face value: ₹10.00
P/E: 4.73
P/B: —
EPS (TTM): ₹29.24
Book value / share: —
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 3.38
Net debt: ₹7,075 Cr
Interest cover: 1.23
Dividend yield: 3.25%
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	Q4 FY24
Income statement
	266.76	272.70	272.63	271.54	265.36	271.67	—
	0.61	0.77	0.02	0.19	0.08	4.16	—
	249.63	210.07	217.79	210.47	285.75	207.15	—
	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	—
	172.98	168.35	172.94	172.58	173.12	173.56	—
	3.80	2.79	2.84	2.81	2.54	3.84	—
	17.05	18.18	20.99	14.34	12.42	15.05	—
	17.74	63.40	54.86	61.26	-20.31	68.68	—
	0.00	0.00	0.00	0.00	0.00	-13.06	—
	17.74	63.40	54.86	61.26	-20.31	55.62	—
	7.66	9.72	11.17	11.23	-27.73	20.42	—
	10.08	53.68	43.69	50.03	7.42	35.20	—
	1.87	9.97	8.11	9.29	1.38	6.54	—
Key metrics
	3.80%	19.70%	16.00%	18.40%	2.80%	13.00%	—
	0.50%	0.40%	—	—	—	—	—
	35.80%	52.50%	—	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	1,084	1,082	1,079	—
	1.59	1.06	10.03	—
	887.96	924.08	869.18	—
	0.00	0.00	0.00	—
	0.00	0.00	0.00	—
	93.70	90.35	74.26	—
	686.85	686.99	702.96	—
	12.24	10.98	15.01	—
	70.56	65.93	60.12	—
	197.26	159.21	219.76	—
	0.00	0.00	-13.06	—
	197.26	159.21	206.70	—
	39.78	4.39	46.28	—
	157.48	154.82	160.42	—
	29.24	28.75	29.79	—
Key metrics
	14.53%	14.30%	14.90%	—
	—	0.30%	—	—
	—	-3.50%	—	—
	—	-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	Q4 FY24
Income statement
	266.74	272.70	272.63	271.54	265.36	271.67	—
	0.58	0.74	0.01	0.17	0.07	4.14	—
	249.63	210.17	217.89	210.56	285.83	207.27	—
	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	—
	172.98	168.35	172.94	172.58	173.12	173.56	—
	3.79	2.78	2.83	2.81	2.54	3.84	—
	18.47	20.05	22.94	16.28	14.06	16.82	—
	17.69	63.27	54.75	61.15	-20.40	68.54	—
	0.00	0.00	0.00	0.00	0.00	-13.06	—
	17.69	63.27	54.75	61.15	-20.40	55.48	—
	7.65	9.69	11.14	11.20	-27.75	20.39	—
	10.04	53.58	43.61	49.95	7.35	35.09	—
	1.86	9.95	8.10	9.28	1.36	6.52	—
Key metrics
	3.80%	19.60%	16.00%	18.40%	2.80%	12.90%	—
	0.50%	0.40%	—	—	—	—	—
	36.60%	52.70%	—	—	—	—	—

Metric	TTM	FY26	FY25	FY24
Income statement
	1,084	1,082	1,079	—
	1.50	0.99	9.97	—
	888.25	924.45	869.45	—
	0.00	0.00	0.00	—
	0.00	0.00	0.00	—
	86.84	83.34	70.23	—
	686.85	686.99	702.96	—
	12.21	10.96	15.01	—
	77.74	73.33	64.42	—
	196.86	158.77	219.43	—
	0.00	0.00	-13.06	—
	196.86	158.77	206.37	—
	39.68	4.28	46.20	—
	157.18	154.49	160.17	—
	29.19	28.69	29.74	—
Key metrics
	14.51%	14.30%	14.80%	—
	—	0.30%	—	—
	—	-3.50%	—	—
	—	-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: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

Consolidated

Sales CAGR 3Y: —
Sales CAGR 5Y: —
Sales CAGR 10Y: —
Profit CAGR 3Y: —
Profit CAGR 5Y: —
Profit CAGR 10Y: —
Sales YoY (TTM): —
Profit YoY (TTM): —

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 Jun 2026

Promoter holding: 42.41%

Holder	Type	Holding	Previous	Change
GENERAL INSURANCE CORPORATION OF INDIA	Promoter	15.26%	—	—
THE NEW INDIA ASSURANCE COMPANY LIMITED	Promoter	8.65%	—	—
UNITED INDIA INSURANCE COMPANY LIMITED	Promoter	7.35%	—	—
NATIONAL INSURANCE COMPANY LTD	Promoter	5.63%	—	—
THE ORIENTAL INSURANCE COMPANY LIMITED	Promoter	5.52%	—	—
LOK PRAKASHAN LTD	Public	4.08%	—	—
LIFE INSURANCE CORPORATION OF INDIA	Public	2.53%	—	—
RANJEET SINGH SIBIA	Public	1.37%	—	—
GIC RE INDIA CORPORATE MEMBER LTD.	Promoter Group	0.00%	—	—
GIC PERESTRAKHOVANIE LLC	Promoter Group	0.00%	—	—
AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED	Promoter Group	0.00%	—	—
ZENITH SECURITIES &INVESTMENT LTD.	Promoter Group	0.00%	—	—
GIC BHUTAN RE LIMITED	Promoter Group	0.00%	—	—
PRESTIGE ASSURANCE PLC, NIGERIA	Promoter Group	0.00%	—	—
THE NEW INDIA ASSURANCE COMPANY (TRINIDAD & TOBAGO) LIMITED	Promoter Group	0.00%	—	—

Public shareholders are disclosed individually only above 1%.

Filings & corporate actions

Recent announcements

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
BRSR for Financial Year 2025-2630 Jun 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Annual Report 2025-2630 Jun 2026 · Others / Reg. 34 (1) Annual Report
Disclosure for Change in Key Managerial Personnel of the Company30 Jun 2026 · Company Update / Change in Management
Outcome of the Board Meeting29 Jun 2026 · Others / Outcome without intimation
Submission of Notice published in Newspapers regarding Transfer of Shares to IEPF for FY 2018-19.25 Jun 2026 · Company Update / Newspaper Publication
Intimation of Disclosure under Regulation 29(2) of SEBI (SAST) Regulations, 2011 received from LIC of India.24 Jun 2026 · Company Update / General
Closure of Trading Window23 Jun 2026 · Insider Trading / SAST / Closure of Trading Window
Copy of Newspaper Publication23 Jun 2026 · Company Update / Newspaper Publication
Corrigendum to Disclosure dated June 19, 202622 Jun 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Intimation under Regulation 57 for timely payment of Interest and Repayment of Principal on NCD19 Jun 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Copy of Newspaper Publication19 Jun 2026 · Company Update / Newspaper Publication
Intimation of Interest Payment of our NCD ISIN INE289B0713110 Jun 2026 · Others / Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD
Annual Secretarial Compliance Report for the year ended March 31 202629 May 2026 · Company Update / Reg.24(A)-Annual Secretarial Compliance

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 Aug 2026 Board Meeting - Financial Results