GIC Housing Finance Limited — Quarter and year ended March 31, 2026
| Sr. No. | Particulars | Quarter Ended 31-03-2026 (Audited) (refer note 14) | Quarter Ended 31-12-2025 (Reviewed) | Quarter Ended 31-03-2025 (Audited) (refer note 14) | Year Ended 31-03-2026 (Audited) | Year Ended 31-03-2025 (Audited) |
|---|---|---|---|---|---|---|
| 1 | Revenue from operations | |||||
| (i) Interest Income | 26,906 | 26,716 | 26,703 | 1,06,325 | 1,04,926 | |
| (ii) Dividend Income | – | – | – | 15 | 15 | |
| (iii) Fees and Commission Income | 162 | 130 | 130 | 544 | 549 | |
| (iv) Other Operating Income | 202 | 417 | 334 | 1,339 | 2,401 | |
| Total Revenue from operations | 27,270 | 27,263 | 27,167 | 1,08,223 | 1,07,891 | |
| Other Income | 74 | 1 | 414 | 99 | 997 | |
| Total Income | 27,344 | 27,264 | 27,581 | 1,08,322 | 1,08,888 | |
| 2 | Expenses | |||||
| (i) Finance Cost | 16,835 | 17,294 | 17,356 | 68,699 | 70,296 | |
| (ii) Net Loss on De-recognition of Financial Instruments under Amortised Cost Category | 47 | 42 | 10 | 131 | 31 | |
| (iii) Impairment of Financial Instruments, including write-off (refer note 10) | (482) | (284) | (736) | 6,852 | 1,652 | |
| (iv) Employee Benefits Expenses | 2,334 | 2,160 | 2,031 | 8,334 | 7,023 | |
| (v) Depreciation & Amortisation Expenses | 278 | 283 | 384 | 1,096 | 1,501 | |
| (vi) Other Expenses | 2,005 | 2,294 | 1,682 | 7,333 | 6,442 | |
| Total Expenses | 21,017 | 21,789 | 20,727 | 92,445 | 86,945 | |
| 3 | Profit before exceptional items and tax (1-2) | 6,327 | 5,475 | 6,854 | 15,877 | 21,943 |
| 4 | Exceptional items (refer note 11) | – | – | 1,306 | – | 1,306 |
| 5 | Profit before tax (3-4) | 6,327 | 5,475 | 5,548 | 15,877 | 20,637 |
| 6 | Tax expense | |||||
| (i) Current Tax | 1,110 | 975 | 1,700 | 3,860 | 4,450 | |
| (ii) Deferred tax (Net) | (41) | 139 | 339 | (3,332) | 170 | |
| (iii) Tax of Earlier Period (Net) | (100) | – | – | (100) | – | |
| 7 | Net Profit for the period (5-6) | 5,358 | 4,361 | 3,509 | 15,449 | 16,017 |
| 8 | Other comprehensive Income | |||||
| A. Items that will not be reclassified to profit or loss | ||||||
| (i) Remeasurement Gain / (Loss) on defined benefit plan | 87 | (98) | 5 | 7 | (92) | |
| (ii) Net Gain on equity instrument designated at FVTOCI | 1,064 | 185 | (40) | 1,246 | 68 | |
| (iii) Income tax relating to items that will not be reclassified to profit or loss | (130) | (22) | 9 | (156) | 6 | |
| B. Items that will be reclassified to profit or loss | – | – | – | – | – | |
| Total other comprehensive Income (A+B) | 1,021 | 65 | (26) | 1,097 | (18) | |
| 9 | Total Comprehensive Income (7+8) | 6,379 | 4,426 | 3,483 | 16,546 | 15,999 |
| 10 | Paid up Equity Share Capital (Face value ₹10/-) | 5,385 | 5,385 | 5,385 | 5,385 | 5,385 |
| 11 | Reserves as at 31st March | – | – | – | 2,05,176 | 1,91,053 |
| 12 | Earning Per Share (EPS) on Face Value ₹10/- | |||||
| Basic and Diluted Earning Per Share (Face value ₹10/-) (The EPS for the quarters are not annualised) | 9.95 | 8.10 | 6.52 | 28.69 | 29.74 |
| Sr.No. | Particulars | As at 31-03-2026 (Audited) | As at 31-03-2025 (Audited) |
|---|---|---|---|
| 1 | ASSETS | ||
| Financial Assets | |||
| (a) | Cash and cash equivalents | 3,967 | 5,338 |
| (b) | Bank balance other than cash and cash equivalent | 434 | 421 |
| (c) | Receivables | ||
| (i) Trade Receivables | 54 | 23 | |
| (d) | Loans | 10,82,815 | 10,21,231 |
| (e) | Investments | 21,082 | 25,479 |
| (f) | Other financial assets | 417 | 350 |
| Total – Financial Assets | 11,08,769 | 10,52,842 | |
| 2 | Non-financial assets | ||
| (a) | Current tax assets (net) | 258 | 372 |
| (b) | Deferred tax assets (net) | 10,426 | 7,250 |
| (c) | Property, plant and equipment | 274 | 312 |
| (d) | Right Of Use Assets | 6,531 | 2,119 |
| (e) | Intangible Assets under development | 1,563 | 1,136 |
| (f) | Other intangible assets | 124 | 244 |
| (g) | Other non-financial assets | 1,866 | 1,457 |
| (h) | Assets Held for Sale | – | 11,761 |
| Total – Non Financial Assets | 21,042 | 24,651 | |
| Total Assets | 11,29,811 | 10,77,493 | |
| LIABILITIES AND EQUITY | |||
| LIABILITIES | |||
| 1 | Financial liabilities | ||
| (a) | Lease Liabilities | 6,828 | 2,328 |
| (b) | Payables | ||
| (i) Trade Payable | |||
| – Total outstanding dues of micro enterprises and small enterprises | 186 | 123 | |
| – Total outstanding dues of creditors other than micro enterprises and small enterprises | 1,423 | 1,004 | |
| (c) | Debt securities | 1,93,534 | 1,35,411 |
| (d) | Borrowings (other than debt securities) | 7,11,514 | 7,37,320 |
| (e) | Other financial liabilities | 2,307 | 1,666 |
| Total – Financial Liabilities | 9,15,792 | 8,77,852 | |
| 2 | Non-financial liabilities | ||
| (a) | Current tax liabilities (Net) | 74 | 315 |
| (b) | Provisions | 2,466 | 2,174 |
| (c) | Other Non Financial Liabilities | 915 | 711 |
| Total – Non Financial Liabilities | 3,455 | 3,200 | |
| 3 | Equity | ||
| (a) | Equity Share Capital | 5,388 | 5,388 |
| (b) | Other Equity | 2,05,176 | 1,91,053 |
| Total – Equity | 2,10,564 | 1,96,441 | |
| Total Liabilities and Equity | 11,29,811 | 10,77,493 |
| Particulars | For the Year Ended 31-03-2026 (Audited) | For the Year Ended 31-03-2025 (Audited) |
|---|---|---|
| A. Cash Flow From Operating Activities: | ||
| Profit Before Tax | 15,877 | 20,637 |
| Adjustments For: | ||
| Depreciation And Amortisation | 1,096 | 1,501 |
| Impairment of Financial Instruments (excluding impairment loss allowance on cash & cash equivalents) | 6,850 | 1,650 |
| Exceptional Item (refer note 11) | – | 1,306 |
| Interest and Dividend Income | (1,06,340) | (1,04,941) |
| Interest Expenses | 68,699 | 70,296 |
| Fees & Commission Income | (544) | (549) |
| (Profit)/Loss On Sale of Property Plant & Equipments | 3 | 18 |
| (Profit)/Loss On Sale of Investments | (24) | (24) |
| Remeasurement Gain/(loss) on Defined Benefit Plan | 7 | (92) |
| Operating Profit Before Working Capital Changes | (14,376) | (10,198) |
| Adjustments For: | ||
| (Increase)/Decrease In Non Financial Assets | (5,138) | 1,998 |
| (Increase)/Decrease In Other Financial Assets | (35) | (125) |
| (Increase)/Decrease In Other Non Financial Assets | (409) | (487) |
| (Increase)/Decrease In Bank Balance other than cash & cash equivalents | (13) | (11) |
| Increase/(Decrease) In Other Non Financial Liabilities | 254 | 201 |
| Increase/(Decrease) In Trade Payables | 482 | 87 |
| Increase/(Decrease) In Other Financial Liabilities | 5,882 | 943 |
| Operating Profit After Working Capital Changes | (13,353) | (7,592) |
| Adjustments For: | ||
| (Increase)/Decrease In Housing Loans | (68,540) | (24,134) |
| Asset held for Sale | 11,761 | (1,780) |
| Fees & Commission Received | 512 | 564 |
| Interest Received | 1,06,401 | 1,04,746 |
| Interest Paid | (65,011) | (69,322) |
| Taxes Paid | (3,786) | (4,262) |
| Net Cash Generated / (Used) From Operating Activity | (32,016) | (1,780) |
| B: Cash Flow From Investing Activities | ||
| Payments for Property, Plant & Equipments | (97) | (134) |
| Proceeds from Sale of Property, Plant & Equipments | 21 | 15 |
| Payments for Intangible assets under Developments | (427) | (131) |
| Purchase Of Investments | (84,207) | (1,34,891) |
| Sale Of Investments | 89,874 | 1,26,424 |
| Dividend Received | 15 | 15 |
| Net Cash Generated / (Used) From Investing Activity | 5,179 | (8,702) |
| C: Cash Flow From Financing Activities | ||
| Proceeds From Borrowings and Debt Securities | 7,23,366 | 7,78,742 |
| Repayment of Borrowings and Debt Securities | (6,94,436) | (7,63,147) |
| Dividend Paid On Equity Shares | (2,423) | (2,423) |
| Payment of lease liabilities | (1,041) | (927) |
| Net Cash Generated / (Used) From Financing Activity | 25,466 | 12,245 |
| Net Increase/(Decrease) Of Cash & Cash Equivalents (A+B+C) | (1,371) | 1,763 |
| Cash & Cash Equivalents As At Beginning of the year | 5,338 | 3,575 |
| Cash & Cash Equivalents As At the End of the year | 3,967 | 5,338 |
| Sr. No. | Ratio | Quarter Ended 31-03-2026 (Audited) (refer note 14) | Quarter Ended 31-12-2025 (Reviewed) | Quarter Ended 31-03-2025 (Audited) (refer Note 14) | Year Ended 31-03-2026 (Audited) | Year Ended 31-03-2025 (Audited) |
|---|---|---|---|---|---|---|
| a | Debt-Equity Ratio (in times) | 4.30 | 4.36 | 4.44 | 4.30 | 4.44 |
| b* | Debt-Service Coverage Ratio | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| c* | Interest Service Coverage Ratio | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| d | Outstanding redeemable preference shares (quantity and value) | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| e | Capital redemption reserve / Debenture redemption reserve | |||||
| f (i) | Net worth (₹ in Lakh) | 2,10,564 | 2,04,185 | 1,96,441 | 2,10,564 | 1,96,441 |
| f (ii) | Adjusted Net worth (₹ in Lakh) | 2,09,274 | 2,03,916 | 1,96,248 | 2,09,274 | 1,96,248 |
| g | Net Profit |