GIC Housing Finance share price & results
- Jun 2026
- Sept 2026
Mumbai-based housing finance company promoted by GIC Re & GIPSA companies, originating and servicing retail home loans through an 84-branch pan-India network.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 267 | +0.8% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 10.0 | +42.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
| Return on equity | 7.76 | −1.0 pts | Trailing twelve months | TTM to Jun 2026 | Adjusted profit attributable to owners ÷ average owners’ equity. |
| Free cash flow margin | Fiscal year | FY ending Mar 2026 | Not in the analysed materials. No older figure is substituted. | ||
| Revenue growth (YoY) | 1.40 | −1.4 pts | Trailing twelve months | TTM to Jun 2026 | Revenue change against the same period one year earlier. |
Price
Performance −28.9% 1Y
1Y: ₹172.75 on 24 Oct 2025 → ₹122.76. High ₹179.93 (2 Jan 2026), low ₹122.62 (26 Oct 2026).
- Previous close
- ₹122.62
- Market cap
- ₹659 Cr
- 52-week range
- ₹122.62 – ₹179.93
- One year
- −30.62%
- Price to earnings (TTM to Jun 2026)
- 4.17×
- Return on equity (TTM to Jun 2026)
- 7.76%
Overview
- Symbol
- NSE:GICHSGFIN
- Sector
- Financial Services
- Exchange
- NSE
- Currency
- INR
What GIC Housing Finance Limited does
Based on the company's own presentations, annual report and earnings calls.
GIC Housing Finance Limited is a housing finance company (HFC) that originates and services retail home loans across India. It was promoted by GIC Re and GIPSA (General Insurance) companies, which together hold about 42% of its shareholding. Loans are sourced through its own branch network, a wholly-owned sourcing subsidiary, DSA agents, digital leads, direct marketing and customer referrals, and are funded by borrowings raised from banks, the capital market (NCDs, commercial paper) and refinance from the National Housing Bank.
Segments
- Housing Finance (Home Loans)
- Branch network
- 84 branches across India (as of Sep 2025)
- Gross loan portfolio (AUM)
- ₹10,870 Cr (Sep 2025)
- Average loan ticket size
- ₹31.50 lakhs (H1 FY26)
- New branches activated
- 12 branches added Jul 2025 (NCR, Hyderabad, Bengaluru, MMR, rest of India)
- Regional hub offices
- 5 (Bengaluru, Chennai, Hyderabad, Kolkata, North Zone)
- Satellite offices
- 5 (Rewari, Sangareddy, Panipat, Prayagraj, Kanchipuram)
Fundamentals
Ratios, each with its period
Current values with the period they cover; the trend reads across the 5 fiscal years held (Mar 2022 to Mar 2026).
Financials
What the filings say
Net profit, year on year: +43% (quarter to jun 2026 against jun 2025).
| Line item | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Expenses | 37 | 32 | 30 | 110 | 35 | 42 | 39 | 73 |
| Other income | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Interest | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Depreciation | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| Profit before tax | 48 | 56 | 55 | -20 | 61 | 55 | 63 | 18 |
| Tax rate | 23.0% | 12.0% | 37.0% | −136.0% | 18.0% | 20.0% | 15.0% | 43.0% |
| Net profit | 36 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS (₹ per share) | 6.77 | 9.22 | 6.52 | 1.36 | 9.28 | 8.10 | 9.95 | 1.86 |
| Line item | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Sales | 1,115 | 1,057 | 1,079 | 1,083 |
| Expenses | 127 | 140 | 152 | 226 |
| Other income | 13 | 14 | -3 | 1 |
| Interest | 702 | 710 | 704 | 687 |
| Depreciation | 9 | 16 | 16 | 12 |
| Profit before tax | 290 | 204 | 206 | 159 |
| Net profit | 212 | 152 | 160 | 155 |
| Line item | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sept 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity capital | 54 | 54 | 54 | 54 | 54 | 54 |
| Reserves | 1,457 | 1,645 | 1,775 | 1,911 | 1,944 | 2,052 |
| Borrowings | 10,365 | 9,168 | 8,584 | 8,751 | — | 9,119 |
| Other liabilities | 53 | 53 | 57 | 60 | 62 | 74 |
| Total liabilities | 11,929 | 10,920 | 10,470 | 10,775 | 11,081 | 11,298 |
| Fixed assets | 21 | 52 | 44 | 27 | 40 | 69 |
| Capital work in progress | 29 | 9 | 10 | 11 | 0 | 16 |
| Investments | 15 | 230 | 169 | 255 | 288 | 211 |
| Other assets | 11,864 | 10,629 | 10,248 | 10,482 | 10,753 | 11,002 |
| Total assets | 11,929 | 10,920 | 10,470 | 10,775 | 11,081 | 11,298 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | 548 | 1,286 | 1,044 | 522 | -18 | -320 |
| Cash from investing | -14 | -4 | -213 | 64 | -87 | 52 |
| Cash from financing | -558 | -892 | -1,238 | -619 | 122 | 255 |
| Net cash flow | -24 | 390 | -407 | -34 | 18 | -14 |
| Free cash flow | 532 | 1,281 | 1,038 | 518 | -20 | -325 |
| Line item | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Return on equity | 8.0% | 12.0% | 13.0% | 9.0% | 9.0% | 8.0% |
| Dividend payout | 20.0% | 14.0% | 11.0% | 16.0% | 15.0% | 16.0% |
Ownership
Who owns it
Public hold 54.22% as of Sept 2026; institutions cut 0.56 pts since Jun 2026.
- Promoters 42.41%
- Foreign institutions 0.93%
- Domestic institutions 2.44%
- Public 54.22%
Who bought this quarter
since Jun 2026
Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.
- newly disclosed 1.02% held
The same filing shows 1 holder trimming and 0 off the list — both are in the register beside this.
Who is on the register
Named in the Sep 2026 filing
Every holder of GIC Housing Finance Limited above SEBI's 1% disclosure line, and what changed since Jun 2026.
| Holder | Stake | Change |
|---|---|---|
| Insurer | 15.26% | unchanged |
| Insurer | 8.65% | unchanged |
| Insurer | 7.35% | unchanged |
| Insurer | 5.63% | unchanged |
| Insurer | 5.52% | unchanged |
| 4.12% | unchanged | |
| Insurer | 2.44% | −0.09 pp |
| 1.39% | unchanged | |
| 1.02% | newly disclosed |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
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