Gic Housing Finance Limited

BSE: 511676 NSE: GICHSGFIN
Gic Housing Finance Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials and compliance.
CIN L65922MH1989PLC054583 Incorporated 12 December 1989 ROC Mumbai HQ Mumbai, Maharashtra, India
Active Listed - NSE: GICHSGFIN · BSE: 511676 Public Limited Company financial services
Data last updated
Revenue · FY 2026
₹1,082.23 Cr
▲ 0.31% YoY
Computed EBITDA · FY 2026
₹857.18 Cr
▼ 8.59% YoY
Net profit · FY 2026
₹154.82 Cr
▼ 3.49% YoY
Authorised capital
₹150 Cr
Registered with MCA
Paid-up capital
₹53.85 Cr
Issued & subscribed
Open charges
₹15,444 Cr
Satisfied ₹28,242 Cr
Company age
37 yrs
Est. 1989
Employees · EPFO
338
Latest available

About Gic Housing Finance Limited

Data last updated: 15 July 2026

Gic Housing Finance Limited is a public limited company based in Mumbai, Maharashtra, India. It specialises in housing finance companies, a part of the broader financial services sector. Incorporated on 12 December 1989, the company has been in operation for over 37 years.

Registered with ROC Mumbai under CIN L65922MH1989PLC054583. Listed on BSE: 511676 and NSE: GICHSGFIN.

Capital: an authorised share capital of ₹150 Cr and a paid-up capital of ₹53.85 Cr. Formerly known as Gic Grih Vitta Limited. It is led by directors including Rani Singh Nair and Sathia Jeeva Krishnan Chidambara.

Last AGM: 19 August 2025. Financial statements filed for year ended 31 March 2025. Office: 6Th Floor National Insurance Building 14 Jamshedji Tata Road Churchgate, Mumbai, Maharashtra, India – 400020.

As per NSE-filed consolidated financials for FY 2026, the company reported a revenue of ₹1,082.23 Cr, a growth of 0.31% compared to the previous year. The net worth stands at ₹2,106.4 Cr (up 7.2% YoY). Total assets are valued at ₹11,299 Cr (up 4.86% YoY).

The company has a workforce of approximately 338 employees as per the latest available data. Its group structure includes 1 subsidiary.

The company is associated with 1 brand - Gic Housing Finance. As per MCA filings, the company has open charges of ₹15,444 Cr and satisfied charges of ₹28,242 Cr on record.

The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website gichfindia.com.

Company Details of Gic Housing Finance Limited
CIN L65922MH1989PLC054583
Registration Number 054583
Incorporation Date 12 December 1989
ROC Mumbai
Listing Status Listed (BSE: 511676, NSE: GICHSGFIN)
Company Status Active
Date of Last AGM 19 August 2025
Date of Balance Sheet 31 March 2025
Compliance Status Active Compliant
Key People
Sachindra Dattaram Salvi Managing Director Rani Singh Nair Director Sathia Jeeva Krishnan Chidambara Director
Contact Details
  • Email
    Locked
  • Telephone
    Locked
  • Website
    gichfindia.com
  • Social Media
  • Registered Address
    6Th Floor National Insurance Building 14 Jamshedji Tata Road Churchgate, Mumbai, Maharashtra, India – 400020
  • Industry
    Financial Services, Housing Finance Companies
Company report
Gic Housing Finance Limited - full intelligence report
  • Historical Financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Litigation, compliance and MCA filings
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Financials, compliance, directors, charges, ownership and filings for Gic Housing Finance Limited in one report.

10-year financials Directors & ownership Charges & compliance

Associated Brands with Gic Housing Finance Limited

Gic Housing Finance Limited operates one associated brand: GIC Housing Finance. These brands represent Gic Housing Finance Limited's diversified market presence and brand portfolio.

Brand Description Website
GIC Housing Finance
Affordable housing finance services are provided across India. gichfindia.com

Competitors & Alternatives of Gic Housing Finance Limited

Brands and companies operating in the same space as Gic Housing Finance Limited include HomeFirst Finance, India Shelter Finance Corporation, HDFC and 7 more.

Competitor Description Location Founded
HomeFirst Finance HomeFirst Finance Affordable home loans are extended to low and middle-income groups. Mumbai, India, India 2010
India Shelter Finance Corporation India Shelter Finance Corporation Housing loans are extended to middle-income households in India. Gurugram, India, India 2010
HDFC HDFC Provider of housing finance solutions Mumbai, India, India 1977
Aadhar Housing Finance Aadhar Housing Finance Loans for affordable housing in tier 2,3 and 4 cities Mumbai, India, India 2010
Shubham Shubham Affordable housing finance solutions are provided to underserved individuals. Gurugram, India, India 2010
Nivara Home Finance Nivara Home Finance Home loans and financial services are provided to customers. Bengaluru, India, India 2014
Ummeed Housing Finance Ummeed Housing Finance Real estate financing company Gurugram, India, India 2016
Altum Credo Altum Credo Delivers comprehensive solutions for commercial and residential real estate loans. Pune, India, India 2016
Vastu Housing Finance Vastu Housing Finance Home and business loans are provided by Vastu Housing Finance. Mumbai, India, India 2015
Deewan Housing Finance Corporation Deewan Housing Finance Corporation Provider of diversified financial services Mumbai, India, India 1984

Business Activity of Gic Housing Finance Limited

Gic Housing Finance Limited is engaged in the principal business activity of financial and insurance service, with detailed activities including other financial activities.

Main Activity Group Code Description of Main Activity Business Activity Code Description of Business Activity Turnover Percentage
K Financial and insurance Service K8 Other financial activities Locked
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Business activity turnover details for Gic Housing Finance Limited

Turnover contribution percentages and historical activity changes require an active report plan.

  • Turnover contribution
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Auditor Details of Gic Housing Finance Limited

Gic Housing Finance Limited is audited by Gokhale & Sathe (ICAI peer reviewed, certificate valid till 2027-02-27) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.

Name Financial year Audit opinion
Gokhale & Sathe (ICAI peer reviewed, certificate valid till 2027-02-27) FY 2026 Declaration of unmodified opinion

Board of Directors of Gic Housing Finance Limited

Gic Housing Finance Limited is currently managed by 13 directors, with 58 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
Name Designation Appointment Date Tenure Status
Rani Singh Nair Director 12 Mar 2021 5 Years 4 Months Current
Sathia Jeeva Krishnan Chidambara
Also directs: Sterlite Technologies Limited, Parry Agro Industries Limited
Director 06 Jan 2022 4 Years 6 Months Current
Damodharan Neelam
Also directs: The Nainital Bank Limited
Director 21 Oct 2022 3 Years 9 Months Current
Hitesh Rameshchandra Joshi
Also directs: General Insurance Corporation Of India, Health Insurance Tpa Of India Limited
Director 07 Oct 2021 4 Years 9 Months Current
Vaijinath Gavarshetty
Also directs: Indbank Merchant Banking Services Limited, Gichfl Financial Services Private Limited
Director 06 Jan 2022 4 Years 6 Months Current
Garimella Nanda Kishore
Also directs: Cessna Lifeline Veterinary Services Llp
Director 06 Jan 2022 4 Years 6 Months Current
Showing 6 of 13 current directors. View all directors

Financials of Gic Housing Finance Limited FY 2026 filings available

Gic Housing Finance Limited reported revenue of ₹1,082.23 Cr (up 0.31% YoY) for FY 2026.

Revenue · FY 2026
₹1,082.23 Cr ▲ 0.31%
Profit · FY 2026
₹154.82 Cr ▼ 3.49%
Computed EBITDA · FY 2026
₹857.18 Cr ▼ 8.59%
Revenue₹ Cr · Consolidated05001,0001,500FY 2022: ₹1,150 Cr1,150FY 2022FY 2023: ₹1,115 Cr · -3% YoY1,115-3%FY 2023FY 2024: ₹1,057 Cr · -5.2% YoY1,057-5.2%FY 2024FY 2025: ₹1,079 Cr · +2.1% YoY1,079+2.1%FY 2025FY 2026: ₹1,082 Cr · +0.3% YoY1,082+0.3%FY 2026
Net Profit₹ Cr · Consolidated0100200300FY 2022: ₹174 Cr174FY 2022FY 2023: ₹213 Cr · +22.9% YoY213+22.9%FY 2023FY 2024: ₹151 Cr · -29% YoY151-29%FY 2024FY 2025: ₹160 Cr · +6% YoY160+6%FY 2025FY 2026: ₹155 Cr · -3.5% YoY155-3.5%FY 2026
Quarterly Revenue₹ Cr · vs same quarter last year0100200300Q1'25: ₹274 Cr · -2.6% YoY274-2.6%Q1'25Q2'25: ₹264 Cr · -1.6% YoY264-1.6%Q2'25Q3'25: ₹269 Cr · +3.1% YoY269+3.1%Q3'25Q4'25: ₹272 Cr · +4.5% YoY272+4.5%Q4'25Q1'26: ₹265 Cr · -3.1% YoY265-3.1%Q1'26Q2'26: ₹272 Cr · +2.8% YoY272+2.8%Q2'26Q3'26: ₹273 Cr · +1.3% YoY273+1.3%Q3'26Q4'26: ₹273 Cr · +0.4% YoY273+0.4%Q4'26
Metrics FY 2026 FY 2025 FY 2024 FY 2023 FY 2022
Revenue from Operations ₹1,082.23 Cr ₹1,078.91 Cr ₹1,057.16 Cr ₹1,114.9 Cr ₹1,149.78 Cr
Interest Earned ₹1,063.25 Cr ₹1,049.26 Cr ₹1,042.72 Cr ₹1,098.63 Cr ₹1,135.32 Cr
Other Income ₹1.06 Cr ₹10.03 Cr ₹12.52 Cr ₹14 Cr ₹6.62 Cr
Total Income ₹1,083.29 Cr ₹1,088.94 Cr ₹1,069.68 Cr ₹1,128.9 Cr ₹1,156.4 Cr
Cost of Materials Consumed ₹0 ₹0 ₹0 ₹0 ₹0
Purchases of Stock-in-Trade ₹0 ₹0 ₹0 ₹0 ₹0
Changes in Inventories ₹0 ₹0 ₹0 ₹0 ₹0
Employee Benefit Expense ₹90.35 Cr ₹74.26 Cr ₹64 Cr ₹59.93 Cr ₹48.2 Cr
Finance Costs ₹686.99 Cr ₹702.96 Cr ₹710.38 Cr ₹702.49 Cr ₹700.95 Cr
Depreciation & Amortisation ₹10.98 Cr ₹15.01 Cr ₹15.02 Cr ₹9.94 Cr ₹8.58 Cr
Other Expenses ₹65.93 Cr ₹60.12 Cr ₹57.76 Cr ₹49.12 Cr ₹49.45 Cr
Total Expenses ₹924.08 Cr ₹869.18 Cr ₹865.52 Cr ₹839.05 Cr ₹926.06 Cr
Profit Before Exceptional Items & Tax ₹159.21 Cr ₹219.76 Cr ₹204.16 Cr ₹289.85 Cr ₹230.34 Cr
Exceptional Items ₹0 -₹13.06 Cr ₹0 ₹0 ₹0
Profit Before Tax ₹159.21 Cr ₹206.7 Cr ₹204.16 Cr ₹289.85 Cr ₹230.34 Cr
Total Tax Expense ₹4.39 Cr ₹46.28 Cr ₹52.81 Cr ₹76.6 Cr ₹56.83 Cr
Net Profit ₹154.82 Cr ₹160.42 Cr ₹151.35 Cr ₹213.25 Cr ₹173.51 Cr
  attributable to Owners ₹154.82 Cr ₹160.42 Cr ₹151.35 Cr ₹213.25 Cr ₹173.51 Cr
  attributable to NCI ₹0 ₹0 ₹0 ₹0 ₹0
Other Comprehensive Income ₹10.97 Cr -₹18 Lakh ₹2.41 Cr -₹48 Lakh ₹97 Lakh
Total Comprehensive Income ₹165.79 Cr ₹160.24 Cr ₹153.76 Cr ₹212.77 Cr ₹174.48 Cr
EBITDA (computed) ₹857.18 Cr ₹937.73 Cr ₹929.56 Cr ₹1,002.28 Cr ₹939.87 Cr
Basic EPS ₹28.75 ₹29.79 ₹28.11 ₹39.60 ₹32.22
Diluted EPS ₹28.75 ₹29.79 ₹28.11 ₹39.60 ₹32.22
Metrics FY 2026 FY 2025 FY 2024 FY 2023
Total Assets ₹11,299 Cr ₹10,775 Cr ₹10,471 Cr ₹10,920 Cr
Property, Plant & Equipment ₹2.79 Cr ₹3.12 Cr ₹3.47 Cr ₹2.57 Cr
Inventories ₹0 ₹0 ₹0 ₹0
Cash & Equivalents ₹40.06 Cr ₹53.76 Cr ₹35.86 Cr ₹69.7 Cr
Equity (Net Worth) ₹2,106.4 Cr ₹1,964.84 Cr ₹1,828.83 Cr ₹1,699.3 Cr
Equity Share Capital ₹53.88 Cr ₹53.88 Cr ₹53.88 Cr ₹53.88 Cr
Total Liabilities ₹9,192.58 Cr ₹8,810.54 Cr - -
The balance sheet became part of the exchange results-filing format in FY2023 - earlier years were not filed and are hidden.
Metrics FY 2026 FY 2025 FY 2024 FY 2023 FY 2022
Operating Cash Flow -₹320.1 Cr -₹17.53 Cr ₹522.05 Cr ₹289.85 Cr ₹1,285.97 Cr
Investing Cash Flow ₹51.74 Cr -₹87.02 Cr ₹63.5 Cr ₹0 -₹3.26 Cr
Financing Cash Flow ₹254.66 Cr ₹122.45 Cr -₹619.39 Cr ₹0 -₹891.77 Cr
Capital Expenditure ₹1.03 Cr ₹1.34 Cr ₹2.19 Cr ₹0 ₹21 Lakh
Free Cash Flow (computed) -₹321.13 Cr -₹18.87 Cr ₹519.86 Cr ₹289.85 Cr ₹1,285.76 Cr
Dividends Paid ₹24.23 Cr ₹24.23 Cr ₹24.23 Cr ₹0 ₹21.54 Cr
Net Change in Cash -₹13.7 Cr ₹17.9 Cr -₹33.84 Cr ₹289.85 Cr ₹390.94 Cr
Metrics Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Q2 FY25 Q1 FY25 Q4 FY24 Q3 FY24 Q1 FY24 Q4 FY23
Revenue from Operations ₹272.7 Cr ₹272.63 Cr ₹271.54 Cr ₹265.36 Cr ₹271.67 Cr ₹269.26 Cr ₹264.04 Cr ₹273.94 Cr ₹260.03 Cr ₹261.11 Cr ₹268.43 Cr ₹281.17 Cr
Interest Earned ₹269.06 Cr ₹267.16 Cr ₹264.64 Cr ₹262.39 Cr ₹267.03 Cr ₹265.14 Cr ₹259.37 Cr ₹257.72 Cr ₹255.93 Cr ₹258.6 Cr ₹265.08 Cr ₹275.68 Cr
Other Income ₹77 Lakh ₹2 Lakh ₹19 Lakh ₹8 Lakh ₹4.16 Cr ₹96 Lakh ₹1.66 Cr ₹3.25 Cr ₹5.51 Cr ₹1.79 Cr ₹2.62 Cr ₹6.23 Cr
Total Income ₹273.47 Cr ₹272.65 Cr ₹271.73 Cr ₹265.44 Cr ₹275.83 Cr ₹270.22 Cr ₹265.7 Cr ₹277.19 Cr ₹265.54 Cr ₹262.9 Cr ₹271.05 Cr ₹287.4 Cr
Cost of Materials Consumed ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Purchases of Stock-in-Trade ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Changes in Inventories ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Employee Benefit Expense ₹25.1 Cr ₹23.44 Cr ₹22.3 Cr ₹19.51 Cr ₹21.96 Cr ₹18.33 Cr ₹18.03 Cr ₹15.94 Cr ₹15.76 Cr ₹16.88 Cr ₹17.11 Cr ₹22.48 Cr
Finance Costs ₹168.35 Cr ₹172.94 Cr ₹172.58 Cr ₹173.12 Cr ₹173.56 Cr ₹178.55 Cr ₹176.87 Cr ₹173.98 Cr ₹172.33 Cr ₹175.72 Cr ₹183.01 Cr ₹178.19 Cr
Depreciation & Amortisation ₹2.79 Cr ₹2.84 Cr ₹2.81 Cr ₹2.54 Cr ₹3.84 Cr ₹3.78 Cr ₹3.74 Cr ₹3.65 Cr ₹3.83 Cr ₹3.9 Cr ₹3.67 Cr ₹3.47 Cr
Other Expenses ₹18.18 Cr ₹20.99 Cr ₹14.34 Cr ₹12.42 Cr ₹15.05 Cr ₹14.5 Cr ₹17.73 Cr ₹12.84 Cr ₹16.48 Cr ₹10.71 Cr ₹14.71 Cr ₹12.67 Cr
Total Expenses ₹210.07 Cr ₹217.79 Cr ₹210.47 Cr ₹285.75 Cr ₹207.15 Cr ₹213.75 Cr ₹218 Cr ₹230.28 Cr ₹186.33 Cr ₹220.54 Cr ₹229.09 Cr ₹209.84 Cr
Profit Before Exceptional Items & Tax ₹63.4 Cr ₹54.86 Cr ₹61.26 Cr -₹20.31 Cr ₹68.68 Cr ₹56.47 Cr ₹47.7 Cr ₹46.91 Cr ₹79.21 Cr ₹42.36 Cr ₹41.96 Cr ₹77.56 Cr
Exceptional Items ₹0 ₹0 ₹0 ₹0 -₹13.06 Cr ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Profit Before Tax ₹63.4 Cr ₹54.86 Cr ₹61.26 Cr -₹20.31 Cr ₹55.62 Cr ₹56.47 Cr ₹47.7 Cr ₹46.91 Cr ₹79.21 Cr ₹42.36 Cr ₹41.96 Cr ₹77.56 Cr
Total Tax Expense ₹9.72 Cr ₹11.17 Cr ₹11.23 Cr -₹27.73 Cr ₹20.42 Cr ₹6.76 Cr ₹11.18 Cr ₹7.92 Cr ₹25.54 Cr ₹6.71 Cr ₹10.12 Cr ₹25.23 Cr
Net Profit ₹53.68 Cr ₹43.69 Cr ₹50.03 Cr ₹7.42 Cr ₹35.2 Cr ₹49.71 Cr ₹36.52 Cr ₹38.99 Cr ₹53.67 Cr ₹35.65 Cr ₹31.84 Cr ₹52.33 Cr
  attributable to Owners ₹53.68 Cr ₹43.69 Cr ₹50.03 Cr ₹7.42 Cr ₹35.2 Cr ₹49.71 Cr ₹36.52 Cr ₹38.99 Cr ₹53.67 Cr ₹35.65 Cr ₹31.84 Cr ₹52.33 Cr
  attributable to NCI ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Other Comprehensive Income ₹10.21 Cr ₹65 Lakh -₹6 Lakh ₹17 Lakh -₹26 Lakh -₹36 Lakh -₹6 Lakh ₹50 Lakh ₹56 Lakh ₹1.48 Cr -₹47 Lakh -₹72 Lakh
Total Comprehensive Income ₹63.89 Cr ₹44.34 Cr ₹49.97 Cr ₹7.59 Cr ₹34.94 Cr ₹49.35 Cr ₹36.46 Cr ₹39.49 Cr ₹54.23 Cr ₹37.13 Cr ₹31.37 Cr ₹51.61 Cr
EBITDA (computed) ₹234.54 Cr ₹230.64 Cr ₹236.65 Cr ₹155.35 Cr ₹246.08 Cr ₹238.8 Cr ₹228.31 Cr ₹224.54 Cr ₹255.37 Cr ₹221.98 Cr ₹228.64 Cr ₹259.22 Cr
Basic EPS ₹9.97 ₹8.11 ₹9.29 ₹1.38 ₹6.54 ₹9.23 ₹6.78 ₹7.24 ₹9.97 ₹6.62 ₹5.91 ₹9.72
Diluted EPS ₹9.97 ₹8.11 ₹9.29 ₹1.38 ₹6.54 ₹9.23 ₹6.78 ₹7.24 ₹9.97 ₹6.62 ₹5.91 ₹9.72
Latest 12 quarters shown of 17 on record.
Metrics FY 2026 FY 2025 FY 2024 FY 2023 FY 2022 FY 2021 FY 2020
Revenue from Operations ₹1,082.23 Cr ₹1,078.91 Cr ₹1,057.16 Cr ₹1,114.9 Cr ₹1,149.78 Cr ₹1,230.27 Cr ₹1,247.45 Cr
Interest Earned ₹1,063.25 Cr ₹1,049.26 Cr ₹1,042.72 Cr ₹1,098.63 Cr ₹1,135.32 Cr ₹1,218.46 Cr ₹1,244.36 Cr
Other Income ₹99 Lakh ₹9.97 Cr ₹12.48 Cr ₹13.98 Cr ₹6.62 Cr ₹10.06 Cr ₹7.46 Cr
Total Income ₹1,083.22 Cr ₹1,088.88 Cr ₹1,069.64 Cr ₹1,128.88 Cr ₹1,156.4 Cr ₹1,240.33 Cr ₹1,254.91 Cr
Cost of Materials Consumed ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Purchases of Stock-in-Trade ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Changes in Inventories ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Employee Benefit Expense ₹83.34 Cr ₹70.23 Cr ₹63.42 Cr ₹59.89 Cr ₹48.2 Cr ₹43.46 Cr ₹42.53 Cr
Finance Costs ₹686.99 Cr ₹702.96 Cr ₹710.38 Cr ₹702.49 Cr ₹700.95 Cr ₹822.87 Cr ₹944.01 Cr
Depreciation & Amortisation ₹10.96 Cr ₹15.01 Cr ₹15.02 Cr ₹9.94 Cr ₹8.58 Cr ₹4.48 Cr ₹6.13 Cr
Other Expenses ₹73.33 Cr ₹64.42 Cr ₹58.55 Cr ₹49.19 Cr ₹49.39 Cr ₹49.8 Cr ₹49.45 Cr
Total Expenses ₹924.45 Cr ₹869.45 Cr ₹865.73 Cr ₹839.08 Cr ₹926 Cr ₹1,105.78 Cr ₹1,142.64 Cr
Profit Before Exceptional Items & Tax ₹158.77 Cr ₹219.43 Cr ₹203.91 Cr ₹289.8 Cr ₹230.4 Cr ₹134.55 Cr ₹112.27 Cr
Exceptional Items ₹0 -₹13.06 Cr ₹0 ₹0 ₹0 ₹0 ₹0
Profit Before Tax ₹158.77 Cr ₹206.37 Cr ₹203.91 Cr ₹289.8 Cr ₹230.4 Cr ₹134.55 Cr ₹112.27 Cr
Total Tax Expense ₹4.28 Cr ₹46.2 Cr ₹52.75 Cr ₹76.6 Cr ₹56.83 Cr ₹75.24 Cr ₹66.68 Cr
Net Profit ₹154.49 Cr ₹160.17 Cr ₹151.16 Cr ₹213.2 Cr ₹173.57 Cr ₹59.31 Cr ₹45.59 Cr
Other Comprehensive Income ₹10.97 Cr -₹18 Lakh ₹2.41 Cr -₹48 Lakh ₹97 Lakh -₹7 Lakh -₹82 Lakh
Total Comprehensive Income ₹165.46 Cr ₹159.99 Cr ₹153.57 Cr ₹212.72 Cr ₹174.54 Cr ₹59.24 Cr ₹44.77 Cr
EBITDA (computed) ₹856.72 Cr ₹937.4 Cr ₹929.31 Cr ₹1,002.23 Cr ₹939.93 Cr ₹961.9 Cr ₹1,062.41 Cr
Basic EPS ₹28.69 ₹29.74 ₹28.07 ₹39.59 ₹32.23 ₹19.60 ₹8.47
Diluted EPS ₹28.69 ₹29.74 ₹28.07 ₹39.59 ₹32.23 ₹19.60 ₹8.47
Metrics FY 2026 FY 2025 FY 2024 FY 2023
Total Assets ₹11,298 Cr ₹10,775 Cr ₹10,470 Cr ₹10,920 Cr
Property, Plant & Equipment ₹2.74 Cr ₹3.12 Cr ₹3.47 Cr ₹2.57 Cr
Inventories ₹0 ₹0 ₹0 ₹0
Cash & Equivalents ₹39.67 Cr ₹53.38 Cr ₹35.75 Cr ₹69.64 Cr
Equity (Net Worth) ₹2,105.64 Cr ₹1,964.41 Cr ₹1,828.65 Cr ₹1,699.31 Cr
Equity Share Capital ₹53.88 Cr ₹53.88 Cr ₹53.88 Cr ₹53.88 Cr
Total Liabilities ₹9,192.47 Cr ₹8,810.52 Cr - -
The balance sheet became part of the exchange results-filing format in FY2023 - earlier years were not filed and are hidden.
Metrics FY 2026 FY 2025 FY 2024 FY 2023 FY 2022
Operating Cash Flow -₹320.16 Cr -₹17.8 Cr ₹522 Cr ₹289.8 Cr ₹1,285.97 Cr
Investing Cash Flow ₹51.79 Cr -₹87.02 Cr ₹63.5 Cr ₹0 -₹3.95 Cr
Financing Cash Flow ₹254.66 Cr ₹122.45 Cr -₹619.39 Cr ₹0 -₹891.77 Cr
Capital Expenditure ₹97 Lakh ₹1.34 Cr ₹2.19 Cr ₹0 ₹21 Lakh
Free Cash Flow (computed) -₹321.13 Cr -₹19.14 Cr ₹519.81 Cr ₹289.8 Cr ₹1,285.76 Cr
Dividends Paid ₹24.23 Cr ₹24.23 Cr ₹24.23 Cr ₹0 ₹21.54 Cr
Net Change in Cash -₹13.71 Cr ₹17.63 Cr -₹33.89 Cr ₹289.8 Cr ₹390.25 Cr
The cash-flow statement became part of the exchange results-filing format in FY2022 - earlier years were not filed and are hidden.
Metrics Q4 FY26 Q3 FY26 Q2 FY26 Q1 FY26 Q4 FY25 Q3 FY25 Q2 FY25 Q1 FY25 Q4 FY24 Q3 FY24 Q1 FY24 Q4 FY23
Revenue from Operations ₹272.7 Cr ₹272.63 Cr ₹271.54 Cr ₹265.36 Cr ₹271.67 Cr ₹269.26 Cr ₹264.04 Cr ₹273.94 Cr ₹260.03 Cr ₹261.11 Cr ₹268.43 Cr ₹281.17 Cr
Interest Earned ₹269.06 Cr ₹267.16 Cr ₹264.64 Cr ₹262.39 Cr ₹267.03 Cr ₹265.14 Cr ₹259.37 Cr ₹257.72 Cr ₹255.93 Cr ₹258.6 Cr ₹265.08 Cr ₹275.68 Cr
Other Income ₹74 Lakh ₹1 Lakh ₹17 Lakh ₹7 Lakh ₹4.14 Cr ₹95 Lakh ₹1.64 Cr ₹3.24 Cr ₹5.5 Cr ₹1.78 Cr ₹2.61 Cr ₹6.22 Cr
Total Income ₹273.44 Cr ₹272.64 Cr ₹271.71 Cr ₹265.43 Cr ₹275.81 Cr ₹270.21 Cr ₹265.68 Cr ₹277.18 Cr ₹265.53 Cr ₹262.89 Cr ₹271.04 Cr ₹287.39 Cr
Cost of Materials Consumed ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Purchases of Stock-in-Trade ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Changes in Inventories ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Employee Benefit Expense ₹23.34 Cr ₹21.6 Cr ₹20.45 Cr ₹17.95 Cr ₹20.31 Cr ₹16.89 Cr ₹17.44 Cr ₹15.59 Cr ₹15.51 Cr ₹16.72 Cr ₹17.06 Cr ₹22.47 Cr
Finance Costs ₹168.35 Cr ₹172.94 Cr ₹172.58 Cr ₹173.12 Cr ₹173.56 Cr ₹178.55 Cr ₹176.87 Cr ₹173.98 Cr ₹172.33 Cr ₹175.72 Cr ₹183.01 Cr ₹178.19 Cr
Depreciation & Amortisation ₹2.78 Cr ₹2.83 Cr ₹2.81 Cr ₹2.54 Cr ₹3.84 Cr ₹3.78 Cr ₹3.74 Cr ₹3.65 Cr ₹3.83 Cr ₹3.9 Cr ₹3.67 Cr ₹3.47 Cr
Other Expenses ₹20.05 Cr ₹22.94 Cr ₹16.28 Cr ₹14.06 Cr ₹16.82 Cr ₹16.03 Cr ₹18.35 Cr ₹13.22 Cr ₹16.83 Cr ₹10.92 Cr ₹14.78 Cr ₹12.71 Cr
Total Expenses ₹210.17 Cr ₹217.89 Cr ₹210.56 Cr ₹285.83 Cr ₹207.27 Cr ₹213.84 Cr ₹218.03 Cr ₹230.31 Cr ₹186.43 Cr ₹220.59 Cr ₹229.11 Cr ₹209.87 Cr
Profit Before Exceptional Items & Tax ₹63.27 Cr ₹54.75 Cr ₹61.15 Cr -₹20.4 Cr ₹68.54 Cr ₹56.37 Cr ₹47.65 Cr ₹46.87 Cr ₹79.1 Cr ₹42.3 Cr ₹41.93 Cr ₹77.52 Cr
Exceptional Items ₹0 ₹0 ₹0 ₹0 -₹13.06 Cr ₹0 ₹0 ₹0 ₹0 ₹0 ₹0 ₹0
Profit Before Tax ₹63.27 Cr ₹54.75 Cr ₹61.15 Cr -₹20.4 Cr ₹55.48 Cr ₹56.37 Cr ₹47.65 Cr ₹46.87 Cr ₹79.1 Cr ₹42.3 Cr ₹41.93 Cr ₹77.52 Cr
Total Tax Expense ₹9.69 Cr ₹11.14 Cr ₹11.2 Cr -₹27.75 Cr ₹20.39 Cr ₹6.73 Cr ₹11.17 Cr ₹7.91 Cr ₹25.51 Cr ₹6.7 Cr ₹10.12 Cr ₹25.23 Cr
Net Profit ₹53.58 Cr ₹43.61 Cr ₹49.95 Cr ₹7.35 Cr ₹35.09 Cr ₹49.64 Cr ₹36.48 Cr ₹38.96 Cr ₹53.59 Cr ₹35.6 Cr ₹31.81 Cr ₹52.29 Cr
Other Comprehensive Income ₹10.21 Cr ₹65 Lakh -₹6 Lakh ₹17 Lakh -₹26 Lakh -₹36 Lakh -₹6 Lakh ₹50 Lakh ₹56 Lakh ₹1.48 Cr -₹47 Lakh -₹72 Lakh
Total Comprehensive Income ₹63.79 Cr ₹44.26 Cr ₹49.89 Cr ₹7.52 Cr ₹34.83 Cr ₹49.28 Cr ₹36.42 Cr ₹39.46 Cr ₹54.15 Cr ₹37.08 Cr ₹31.34 Cr ₹51.57 Cr
EBITDA (computed) ₹234.4 Cr ₹230.52 Cr ₹236.54 Cr ₹155.26 Cr ₹245.94 Cr ₹238.7 Cr ₹228.26 Cr ₹224.5 Cr ₹255.26 Cr ₹221.92 Cr ₹228.61 Cr ₹259.18 Cr
Basic EPS ₹9.95 ₹8.10 ₹9.28 ₹1.36 ₹6.52 ₹9.22 ₹6.77 ₹7.23 ₹9.95 ₹6.61 ₹5.91 ₹9.71
Diluted EPS ₹9.95 ₹8.10 ₹9.28 ₹1.36 ₹6.52 ₹9.22 ₹6.77 ₹7.23 ₹9.95 ₹6.61 ₹5.91 ₹9.71
Latest 12 quarters shown of 22 on record.
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Shareholding Pattern of Gic Housing Finance Limited

As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 42.41%, foreign institutional investors hold 1.81%, domestic institutional investors hold 4.60%, retail and other public shareholders hold 51.18% of Gic Housing Finance Limited. The company had 61,368 shareholders on record.

Promoters: 42.41%DII (Domestic Institutional): 4.60%FII (Foreign Institutional): 1.81%Retail & Others: 51.18%
Mar 2026
QUARTER
42.41% Promoters
4.60% DII (Domestic Institutional)
1.81% FII (Foreign Institutional)
51.18% Retail & Others
Promoter holding - history
Now 42.41% · Mar 2026High 42.41% · Sep 2018Low 42.06% · Sep 2016
41%41.8%42.5%43.3%44%Dec 2015Jun 2018Dec 2020Jun 2023Dec 2025Dec 2015: 42.25%Mar 2016: 42.25%Jun 2016: 42.25%Sep 2016: 42.06%Dec 2016: 42.16%Mar 2017: 42.16%Jun 2017: 42.16%Sep 2017: 42.16%Dec 2017: 42.16%Mar 2018: 42.16%Jun 2018: 42.24%Sep 2018: 42.41%Dec 2018: 42.41%Mar 2019: 42.41%Jun 2019: 42.41%Sep 2019: 42.41%Dec 2019: 42.41%Mar 2020: 42.41%Jun 2020: 42.41%Sep 2020: 42.41%Dec 2020: 42.41%Mar 2021: 42.41%Jun 2021: 42.41%Sep 2021: 42.41%Dec 2021: 42.41%Mar 2022: 42.41%Jun 2022: 42.41%Sep 2022: 42.41%Dec 2022: 42.41%Mar 2023: 42.41%Jun 2023: 42.41%Sep 2023: 42.41%Dec 2023: 42.41%Mar 2024: 42.41%Jun 2024: 42.41%Sep 2024: 42.41%Dec 2024: 42.41%Mar 2025: 42.41%Jun 2025: 42.41%Sep 2025: 42.41%Dec 2025: 42.41%Mar 2026: 42.41%42.41%42.06%42.41%
Shareholding trend - last 6 quarters
Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Promoters42.41%42.41%42.41%42.41%42.41%42.41%
Public57.59%57.59%57.59%57.59%57.59%57.59%
Shareholding history - year on year (as at 31 March)
Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016
Promoters42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.41%42.16%42.16%42.25%
Public57.59%57.59%57.59%57.59%57.59%57.59%57.59%57.59%57.84%57.84%57.75%
Promoter change (YoY, %pts)+0.00+0.00+0.00+0.00+0.00+0.00+0.00+0.25+0.00-0.09-

Board & Governance of Gic Housing Finance Limited

As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Gic Housing Finance Limited has 13 directors - 7 independent and 1 executive. The board is chaired by HITESH RAMESHCHANDRA JOSHI.

DirectorPositionOn board sinceListed boards
RAJESHWARI SINGH MUNI Non-Executive - Non Independent Director 2023-09-26 1
BHUPESH SUSHIL RAHUL Non-Executive - Non Independent Director 2024-05-13 1
GIRIJA SUBRAMANIAN Non-Executive - Non Independent Director 2024-08-06 2
SANJAY KAILASH JOSHI Non-Executive - Non Independent Director 2025-07-11 1
HITESH RAMESHCHANDRA JOSHI Non-Executive - Non Independent Director · Chairperson 2021-10-07 2
RANI SINGH NAIR Non-Executive - Independent Director 2021-03-12 1
VAIJINATH GAVARSHETTY Non-Executive - Independent Director 2022-01-06 2
GARIMELLA NANDA KISHORE Non-Executive - Independent Director 2022-01-06 1
SATHIA JEEVA KRISHNAN CHIDAMBARA Non-Executive - Independent Director 2022-01-06 2
DAMODHARAN NEELAM Non-Executive - Independent Director 2022-10-21 1
SUNIL KAKAR Non-Executive - Independent Director 2023-08-07 1
DINESH RANCHHODBHAI WAGHELA Non-Executive - Independent Director 2025-09-23 1
SACHINDRA DATTARAM SALVI Executive Director · CEO-MD 2025-03-01 1
Board Committees
CommitteeMembers
Audit Committee SATHIA JEEVA KRISHNAN CHIDAMBARA (Chairperson), HITESH RAMESHCHANDRA JOSHI, SUNIL KAKAR, DINESH RANCHHODBHAI WAGHELA
Nomination and remuneration committee RANI SINGH NAIR (Chairperson), VAIJINATH GAVARSHETTY, DINESH RANCHHODBHAI WAGHELA
Stakeholders Relationship Committee RANI SINGH NAIR (Chairperson), VAIJINATH GAVARSHETTY, DAMODHARAN NEELAM
Risk Management Committee DAMODHARAN NEELAM (Chairperson), VAIJINATH GAVARSHETTY, RANI SINGH NAIR, SACHINDRA DATTARAM SALVI
Corporate Social Responsibility Committee RANI SINGH NAIR (Chairperson), GARIMELLA NANDA KISHORE, SACHINDRA DATTARAM SALVI

Group Structure of Gic Housing Finance Limited

Gic Housing Finance Limited has 1 subsidiary company. This group structure data is as of FY 2022. The corporate group structure reflects Gic Housing Finance Limited's business expansion strategy and organizational complexity.

1
Subsidiary companies
Key Subsidiaries
Company Name CIN Shares Held
Gichfl Financial Services Pvt. Ltd. U67190MH2021PTC354176 -

Showing major subsidiaries. Total: 1.

Charges & Borrowings of Gic Housing Finance Limited

Open charges
₹15,444 Cr
Satisfied charges
₹28,242 Cr
Breakdown by lending institutions
Others₹8,793.75 Cr
Bank of India₹2,250.00 Cr
Uco Bank₹1,000.00 Cr
Idbi Bank Limited₹950.00 Cr
Indian Bank₹750.00 Cr
Others₹1,700.00 Cr
Latest charge details
DateLenderAmountStatus
25 Mar 2026 Others ₹250 Cr Open
23 Feb 2026 Idbi Trusteeship Services Limited ₹150 Cr Open
03 Feb 2026 Karnataka Bank Ltd. ₹200 Cr Open
04 Nov 2025 Others ₹175 Cr Open
10 Oct 2025 Others ₹300 Cr Open

Total charge records: 189 View all charges

Employees and EPFO Compliance at Gic Housing Finance Limited

Gic Housing Finance Limited has a workforce of 338 employees as of Apr 08, 2024.

Employee count
338
Active EPFO establishments
1
Employee growth
-2.31%
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Employee and EPFO history for Gic Housing Finance Limited

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GST Compliance of Gic Housing Finance Limited

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Credit Ratings, Litigation & Regulatory Alerts for Gic Housing Finance Limited

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MSME Payment Delays by Gic Housing Finance Limited

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MSME payment history for Gic Housing Finance Limited

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Subsidiaries & Group Companies of Gic Housing Finance Limited

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Corporate group structure for Gic Housing Finance Limited

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MCA Filings & Documents of Gic Housing Finance Limited

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Recent Activity on Gic Housing Finance Limited

Charges
08 Jul 2026
A charge registered on 13 Nov 2024 via Charge ID 101011350 with Idbi Trusteeship Services Limited was fully satisfied on 08 Jul 2026.
Directors
07 Jul 2026
Paba Koshy was appointed as a Cfo on 07 Jul 2026 & has been associated with this company since 14 days.
Directors
04 Jun 2026
Rajkumar Umedlal Gor was appointed as a Company Secretary on 04 Jun 2026 & has been associated with this company since 1 month 16 days.
Charges
27 Apr 2026
A charge with Others of Rs. 200.00 Cr registered on 22 Jul 2025 with Charge ID 101153762 was modified on 27 Apr 2026.
Charges
21 Apr 2026
A charge with Idbi Trusteeship Services Limited of Rs. 300.00 Cr registered on 13 Nov 2024 with Charge ID 101011350 was modified on 21 Apr 2026.
Charges
07 Apr 2026
A charge registered on 13 Mar 2019 via Charge ID 100251453 with United Bank Of India was fully satisfied on 07 Apr 2026.

Recent News on Gic Housing Finance Limited

GIC Housing Finance tanks 13% on weak Q1 results
14 Aug 2019 · Business Standard

Frequently Asked Questions about Gic Housing Finance Limited

Gic Housing Finance Limited is an active public limited company in the financial services sector based in Mumbai, Maharashtra, India. It was incorporated on 12 December 1989 (37+ years old) and is registered under CIN L65922MH1989PLC054583. Listed on BSE: 511676 and NSE: GICHSGFIN. The company has 338 employees.

Gic Housing Finance Limited reported revenue of ₹1,082.23 Cr for FY 2026 (up 0.31% YoY) based on consolidated NSE filings.

The current directors of Gic Housing Finance Limited are:

The primary industry of Gic Housing Finance Limited is financial services. The company specifically operates in housing finance companies. The company is currently active in this sector.

Yes. Gic Housing Finance Limited is listed on both BSE (code: 511676) and NSE (symbol: GICHSGFIN).

Gic Housing Finance Limited can be reached at the registered office: 6Th Floor National Insurance Building 14 Jamshedji Tata Road Churchgate, Mumbai, Maharashtra, India – 400020, or through the website gichfindia.com.

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Financials, directors, compliance, charges and shareholding - sourced from MCA, SEBI and RBI filings.

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