Gic Housing Finance Limited

BSE: 511676 NSE: GICHSGFIN
Gic Housing Finance Limited - financial services in Mumbai, Maharashtra, India. FY 2026 financials & 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
Market Cap
₹660 Cr
GICHSGFIN · NSE
Share Price
₹121.82
-0.65% today
Revenue
₹1,083 Cr
FY 2025-26 · +0.3% YoY
EBITDA
₹857 Cr
Margin 79.1%
Net Profit
₹155 Cr
FY 2025-26 · -5.9% YoY
P/E (TTM)
4.1x
P/B 0.3x
ROE
7.6%
ROCE 7.7%
Debt / Equity
4.39
Interest cover 81.3x

About Gic Housing Finance Limited

Data last updated:

Gic Housing Finance Limited is a public limited company based in Mumbai, Maharashtra, India. It operates in the housing finance companies segment of the financial services sector. It was incorporated on 12 December 1989 and has been in existence for over 37 years.

The company is registered with the Registrar of Companies (ROC), Mumbai, under CIN L65922MH1989PLC054583. Its GSTIN is 27AAACG2755R1Z3 (Maharashtra). The company holds 23 GST registrations, of which 22 are active. It is a listed company as per MCA records. Its shares are listed on BSE: 511676 and NSE: GICHSGFIN.

The company has an authorised share capital of ₹150 Cr and a paid-up capital of ₹53.85 Cr. It was formerly known as Gic Grih Vitta Limited. It is led by directors including Sachindra Dattaram Salvi (Managing Director) and Rani Singh Nair.

Its last annual general meeting (AGM) was held on 19 August 2025, and its latest financial statements are for the year ended 31 March 2026. The registered office is at 6th Floor National Insurance Building 14 Jamshedji Tata Road Churchgate, Mumbai, Maharashtra, India – 400020.

As per the latest consolidated financials for FY 2025-26, the company reported a revenue of ₹1,082.54 Cr, a growth of 0.3% compared to the previous year. For the same year it recorded a net profit of ₹154.82 Cr (net margin 14.3%) and EBITDA of ₹856.7 Cr (EBITDA margin 79.1%). The net worth stands at ₹2,106.4 Cr (up 7.2% YoY). Total assets are valued at ₹11,225 Cr (up 4.8% YoY).

The company has about 338 employees on its provident fund (EPFO) records. 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. Court records list 2,616 cases involving the company, including 1,822 filed by the company and 795 filed against it; 558 cases are pending. The company has 66 deals on record (65 market trades, 1 debt financing), with disclosed funding of ₹195 Cr; the latest was in November 2025. Its 6 peer companies in the BFSI industry (Finance, Housing Finance), with the same principal business activity (other financial activities) are compared by revenue, 3 larger and 3 smaller; the largest is Home First Finance Company India Limited with revenue of ₹1,156.55 Cr. The company has 44 MSME Form 1 returns on record between 2019 and 2024, listing 1,452 overdue payments to 30 micro and small suppliers.

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

CIN L65922MH1989PLC054583
Registration Number 054583
Incorporation Date 12 December 1989
ROC Mumbai
Listing Status Listed - Listed on NSE (GICHSGFIN); Listed on BSE (511676)
Company Status Active
Date of Last AGM 19 August 2025
Date of Balance Sheet 31 March 2026
Compliance Status Active Compliant
Key People
Sachindra Dattaram Salvi Managing Director Rani Singh Nair Director Sathia Jeeva Krishnan Chidambara Director

Contact details

Gic Housing Finance Limited's registered office is in Mumbai, Maharashtra. Its website is gichfindia.com. Its e-mail address and telephone number are in the company report.

  • Email
  • Telephone
  • 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

To see the full contact details of Gic Housing Finance Limited, buy the company report.

Comprehensive company report
Gic Housing Finance Limited - one report that includes everything
  • Company details, directors and signatories
  • Historical financials and ratios
  • Shareholding pattern and group structure
  • Charges with holder and property details
  • Legal cases, compliance and MCA filings
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Brands

Gic Housing Finance operates one associated brand: GIC Housing Finance. Each brand links to its own profile.

BrandDescriptionWebsite
GIC Housing Finance
Affordable housing finance services are provided across India.gichfindia.com

Business activity

The main business activity of Gic Housing Finance is financial and insurance service. In detail, this covers other financial activities.

Main activity group codeMain activityBusiness activity codeBusiness activityShare of turnover
KFinancial and insurance ServiceK8Other financial activities

To see the full business activity and turnover split of Gic Housing Finance Limited, buy the company report.

Financials of Gic Housing Finance Limited

FY 2025-26 filings available

Gic Housing Finance Limited reported revenue of ₹1,082.54 Cr (up 0.3% YoY) for FY 2025-26.

Financial Highlights

FY 2025-26 · Consolidated
Revenue
₹1,083 Cr
+0.3% YoY
EBITDA
₹857 Cr
-6.4% YoY
Profit After Tax
₹155 Cr
-5.9% YoY
Net Worth
₹2,106 Cr
+7.2% YoY
Total Assets
₹11,225 Cr
+4.8% YoY
Total Debt
₹9,119 Cr
+4.2% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22
Income statement
Revenue1,0831,0791,0601,1231,152
Revenue growth+0.3%+1.8%-5.6%-2.5%-
EBITDA857915920997936
EBITDA margin+79.1%+84.8%+86.8%+88.8%+81.3%
Profit before tax159207204290230
Net profit155165147210172
Net profit margin+14.3%+15.3%+13.8%+18.7%+15.0%
EPS (₹)28.7329.7728.0939.5832.20
Balance sheet
Total assets11,22510,71510,41310,86711,876
Net worth2,1061,9651,8291,6991,511
Total debt9,1198,7518,5849,16810,365
Cash & bank45.1858.8240.6589.61482
Net working capital(2.29)138132163479
Cash flow
Cash from operations(320)(17.53)5221,0431,286
Cash from investing51.74(87.02)63.50(213)(3.26)
Cash from financing255122(619)(1,238)(892)
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue267273273272265272269264
Revenue growth (YoY)+0.5%+0.4%+1.3%+2.8%-3.1%---
Other income0.610.770.020.190.084.160.961.66
EBITDA194234231236155229238227
EBITDA margin+73.1%+86.4%+85.9%+88.8%+59.0%+85.3%+89.2%+86.9%
Depreciation3.802.792.842.812.543.843.783.74
Interest173168173173173174179177
Profit before tax17.7463.4054.8661.26(20.31)55.6256.4747.70
Tax7.669.7211.1711.23(27.73)20.426.7611.18
Net profit10.0853.6843.6950.037.4235.2049.7136.52
EPS (₹)1.879.978.119.291.386.549.236.78
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Income statement
Revenue1,0821,0791,0601,1231,1521,2321,252
Revenue growth+0.3%+1.8%-5.6%-2.5%-6.5%-1.6%-
EBITDA8569159209979369551,062
EBITDA margin+79.1%+84.8%+86.8%+88.8%+81.3%+77.5%+84.8%
Profit before tax159206204290230135112
Net profit15417015121017210645.61
Net profit margin+14.3%+15.8%+14.3%+18.7%+15.0%+8.6%+3.6%
EPS (₹)28.6729.7328.0539.5732.2119.598.47
Balance sheet
Total assets11,22410,71510,41310,86711,87612,58313,031
Net worth2,1061,9641,8291,6991,5111,3581,263
Total debt9,1198,7518,5849,16810,36511,22611,768
Cash & bank44.0157.5939.8488.8848190.63115
Net working capital(3.75)13713116347864.7866.48
Cash flow
Cash from operations(320)(17.80)5221,0441,28654821.68
Cash from investing51.79(87.02)63.50(213)(3.95)(13.84)(10.63)
Cash from financing255122(619)(1,238)(892)(558)51.08
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue267273273272265272269264
Revenue growth (YoY)+0.5%+0.4%+1.3%+2.8%-3.1%---
Other income0.580.740.010.170.074.140.951.64
Total expenses72.8639.0442.1235.1711042.9331.5137.42
EBITDA194234231236155229238227
EBITDA margin+73.1%+86.3%+85.9%+88.8%+58.9%+85.2%+89.2%+86.8%
Depreciation3.792.782.832.812.543.843.783.74
Interest173168173173173174179177
Profit before tax17.6963.2754.7561.15(20.40)55.4856.3747.65
Tax7.659.6911.1411.20(27.75)20.396.7311.17

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 03 Nov 2026
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue267273273272265272269264
Revenue growth (YoY)+0.5%+0.4%+1.3%+2.8%-3.1%---
Other income0.610.770.020.190.084.160.961.66
EBITDA194234231236155229238227
EBITDA margin+73.1%+86.4%+85.9%+88.8%+59.0%+85.3%+89.2%+86.9%
Depreciation3.802.792.842.812.543.843.783.74
Interest173168173173173174179177
Profit before tax17.7463.4054.8661.26(20.31)55.6256.4747.70
Tax7.669.7211.1711.23(27.73)20.426.7611.18
Net profit10.0853.6843.6950.037.4235.2049.7136.52
EPS (₹)1.879.978.119.291.386.549.236.78
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22
Revenue1,0831,0791,0601,1231,152
Revenue growth+0.3%+1.8%-5.6%-2.5%-
Other income0.759.739.776.124.74
Total expenses226164140126216
Employee cost90.3574.2664.0059.9348.20
EBITDA857915920997936
EBITDA margin+79.1%+84.8%+86.8%+88.8%+81.3%
Depreciation10.9815.0115.029.948.58
Interest687703711703702
Profit before tax159207204290230
Tax4.3946.2852.8176.6056.83
Net profit155165147210172
Net profit margin+14.3%+15.3%+13.8%+18.7%+15.0%
EPS (₹)28.7329.7728.0939.5832.20
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22
Equity & liabilities
Share capital53.8853.8853.8853.8853.88
Reserves & surplus2,0531,9111,7751,6451,457
Shareholders' funds (net worth)2,1061,9651,8291,6991,511
Minority interest0.000.000.000.000.00
Secured loans7,9537,2277,7838,3059,754
Unsecured loans1,1651,524802863611
Total debt9,1198,7518,5849,16810,365
Total liabilities11,22510,71510,41310,86711,876
Assets
Gross block95.4957.4085.9779.9838.65
Net block69.3426.7543.6352.2220.23
Capital work in progress15.6311.3610.058.8229.14
Investments21025416822914.41
Inventories0.000.000.000.000.00
Sundry debtors0.540.230.380.260.22
Cash & bank balances45.1858.8240.6589.61482
Loans & advances25.8113914812650.80
Total current assets71.53198189216533
Total current liabilities73.8259.9557.3352.9353.39
Net working capital(2.29)138132163479
Total assets11,22510,71510,41310,86711,876
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22
Opening cash53.7635.8669.7047886.82
Net cash from operating activities(320)(17.53)5221,0431,286
Net cash from investing activities51.74(87.02)63.50(213)(3.26)
Net cash from financing activities255122(619)(1,238)(892)
Net change in cash(13.70)17.90(33.84)(408)391
Closing cash45.1858.8240.6589.61482
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22
Growth
Sales growth+0.3%+1.8%-5.6%-2.5%-
EBITDA growth-6.4%-0.5%-7.7%+6.5%-
PBT growth-23.0%+1.2%-29.6%+25.8%+9997.0%
Net income growth-5.9%+12.3%-30.2%+22.0%-
Revenue CAGR (3Y)-1.2%-2.1%---
EBITDA CAGR (3Y)-4.9%-0.7%---
Profitability & leverage
Net income margin+14.3%+14.9%+14.3%+19.0%+15.1%
Return on capital employed+7.7%+8.6%+8.6%+8.7%+7.9%
Return on net worth+7.6%+8.5%+8.6%+13.3%+11.5%
Debt / equity4.394.575.036.086.86
Long-term debt / equity4.074.274.825.816.50
Interest cover81.2678.1278.5271.2475.67
Efficiency & per share
Fixed asset turnover0.000.000.000.000.00
Inventory turnover0.000.000.000.000.00
Debtors turnover0.000.000.000.000.00
EPS (₹)28.7329.7728.0939.5832.20
Dividend per share (₹)4.504.504.504.504.50
Book value per share (₹)390.94364.67339.43315.39280.39
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue267273273272265272269264
Revenue growth (YoY)+0.5%+0.4%+1.3%+2.8%-3.1%---
Other income0.580.740.010.170.074.140.951.64
Total expenses72.8639.0442.1235.1711042.9331.5137.42
EBITDA194234231236155229238227
EBITDA margin+73.1%+86.3%+85.9%+88.8%+58.9%+85.2%+89.2%+86.8%
Depreciation3.792.782.832.812.543.843.783.74
Interest173168173173173174179177
Profit before tax17.6963.2754.7561.15(20.40)55.4856.3747.65
Tax7.659.6911.1411.20(27.75)20.396.7311.17
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Revenue1,0821,0791,0601,1231,1521,2321,252
Revenue growth+0.3%+1.8%-5.6%-2.5%-6.5%-1.6%-
Other income0.759.739.776.124.747.732.60
Total expenses226164140126216277191
Employee cost83.3470.2363.4259.8948.2043.4642.53
EBITDA8569159209979369551,062
EBITDA margin+79.1%+84.8%+86.8%+88.8%+81.3%+77.5%+84.8%
Depreciation10.9615.0115.029.948.714.486.13
Interest687703711703702823946
Profit before tax159206204290230135112
Tax4.2846.2052.7576.6056.8328.9866.66
Net profit15417015121017210645.61
Net profit margin+14.3%+15.8%+14.3%+18.7%+15.0%+8.6%+3.6%
EPS (₹)28.6729.7328.0539.5732.2119.598.47
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Equity & liabilities
Share capital53.8853.8853.8853.8853.8853.8853.88
Reserves & surplus2,0521,9111,7751,6451,4571,3041,209
Shareholders' funds (net worth)2,1061,9641,8291,6991,5111,3581,263
Secured loans7,9537,2277,7838,3059,75410,41211,003
Unsecured loans1,1651,524802863611813765
Total debt9,1198,7518,5849,16810,36511,22611,768
Total liabilities11,22410,71510,41310,86711,87612,58313,031
Assets
Gross block95.4357.4085.9779.9839.8728.0726.06
Net block69.2926.7543.6352.2220.5616.3818.77
Capital work in progress15.6311.3610.058.8229.1428.7213.44
Investments21125516923015.1614.2513.58
Inventories0.000.000.000.000.000.000.00
Sundry debtors0.540.230.380.260.220.330.00
Cash & bank balances44.0157.5939.8488.8848190.63115
Loans & advances25.4113914812650.5331.2619.47
Total current assets69.96197188216532122134
Total current liabilities73.7159.9357.3752.9253.3957.4467.50
Net working capital(3.75)13713116347864.7866.48
Total assets11,22410,71510,41310,86711,87612,58313,031
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Opening cash53.3835.7569.6447786.7611148.50
Net cash from operating activities(320)(17.80)5221,0441,28654821.68
Net cash from investing activities51.79(87.02)63.50(213)(3.95)(13.84)(10.63)
Net cash from financing activities255122(619)(1,238)(892)(558)51.08
Net change in cash(13.71)17.63(33.89)(407)390(23.87)62.13
Closing cash44.0157.5939.8488.8848190.63115
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21FY 2019-20
Growth
Sales growth+0.3%+1.8%-5.6%-2.5%-6.5%-1.6%-
EBITDA growth-6.4%-0.5%-7.7%+6.5%-2.0%-10.1%-
PBT growth-23.1%+1.2%-29.6%+25.8%+71.2%+19.9%-54.6%
Net income growth-9.3%+12.7%-28.1%+21.9%+63.3%+131.5%-
Revenue CAGR (3Y)-1.2%-2.1%-4.9%-3.6%-2.1%+3.5%+7.7%
EBITDA CAGR (3Y)-4.9%-0.8%-1.2%-2.1%-5.6%-1.1%+5.8%
Profitability & leverage
Net income margin+14.3%+14.8%+14.3%+19.0%+15.1%+8.6%+3.6%
Return on capital employed+7.7%+8.6%+8.6%+8.7%+7.6%+7.5%+8.2%
Return on net worth+7.6%+8.5%+8.6%+13.3%+12.1%+8.1%+3.6%
Debt / equity4.394.575.036.087.538.779.31
Long-term debt / equity4.074.274.825.817.088.208.52
Interest cover81.3178.1578.5471.2575.6686.6589.61
Efficiency & per share
Fixed asset turnover0.000.000.000.000.000.000.00
Inventory turnover0.000.000.000.000.000.000.00
Debtors turnover0.000.000.000.000.000.000.00
EPS (₹)28.6729.7328.0539.5732.2119.598.47
Dividend per share (₹)4.504.504.504.504.504.002.00
Book value per share (₹)390.80364.59339.39315.39280.40252.01234.43

To see the full year-wise statements and ratios of Gic Housing Finance Limited, buy the company report.

Board of directors of Gic Housing Finance Limited

Gic Housing Finance has 13 current directors and 58 former directors. Current directors are listed first, with their designation and appointment date.

Current Directors
NameDesignationAppointment DateTenureStatus
Rani Singh NairDirector12 Mar 20215 Years 7 MonthsCurrent
Sathia Jeeva Krishnan Chidambara
Also directs: Sterlite Technologies Limited, Parry Agro Industries Limited
Director06 Jan 20224 Years 9 MonthsCurrent
Damodharan Neelam
Also directs: The Nainital Bank Limited
Director21 Oct 20224 Years 0 MonthsCurrent
Hitesh Rameshchandra Joshi
Also directs: General Insurance Corporation of India, Health Insurance Tpa of India Limited
Director07 Oct 20215 Years 0 MonthsCurrent
Vaijinath Gavarshetty
Also directs: Indbank Merchant Banking Services Limited, Gichfl Financial Services Private Limited
Director06 Jan 20224 Years 9 MonthsCurrent
Garimella Nanda Kishore
Also directs: Cessna Lifeline Veterinary Services LLP
Director06 Jan 20224 Years 9 MonthsCurrent
Showing 6 of 13 current directors. View all directors

Peer comparison

Gic Housing Finance Limited is compared with the 6 companies closest to it by revenue in the BFSI industry (Finance, Housing Finance), with the same principal business activity (other financial activities), from the latest filed financials of each company.

CompanyRevenueNet profitMarginGrowth (1 yr)EmployeesLocation
Home First Finance Company India Limited₹1,156.55 Cr (FY 2024)45.0%Mumbai, Maharashtra, India
Veritas Finance Limited₹1,123.8 Cr (FY 2024)65.0%Chennai, Tamil Nadu, India
Gic Housing Finance Limitedthis company₹1,082.54 Cr (FY 2026)₹154.82 Cr14.3%0.3%338Mumbai, Maharashtra, India
Protium Finance Limited₹1,075.61 Cr (FY 2025)42.0%Mumbai, Maharashtra, India
Grihum Housing Finance Limited₹1,045.65 Cr (FY 2024)46.0%Pune, Maharashtra, India
SBFC Finance Limited₹1,019.92 Cr (FY 2024)38.0%Mumbai, Maharashtra, India
Sundaram Home Finance Limited₹956.99 Cr (FY 2022)-8.0%Chennai, Tamil Nadu, India

To see the full peer comparison of Gic Housing Finance Limited, buy the company report.

Auditor

Gic Housing Finance Limited is audited by C N K & Associates LLP for the financial year 2019.

Auditor firmFinancial yearFirm registration number
C N K & Associates LLPFY 2019101961W/W-100036

Shareholding

Shareholding for the quarter ended Sep 2026: promoters hold 42.40%, foreign institutional investors hold 1.40%, domestic institutional investors hold 2.50% and retail and other public shareholders hold 53.70%.

Promoters: 42.40%DII (Domestic Institutional): 2.50%FII (Foreign Institutional): 1.40%Retail & Others: 53.70%
Sep 2026
QUARTER
42.40% Promoters
2.50% DII (Domestic Institutional)
1.40% FII (Foreign Institutional)
53.70% Retail & Others
Promoter holding - history
Now 42.40% · Sep 2026High 42.40% · Dec 2025Low 42.40% · Dec 2025
41%41.8%42.5%43.3%44%Dec 2025Mar 2026Jun 2026Sep 2026Dec 2025: 42.40%Mar 2026: 42.40%Jun 2026: 42.40%Sep 2026: 42.40%42.40%42.40%
Shareholding trend - last 6 quarters
Sep 2026Jun 2026Mar 2026Dec 2025
Promoters42.40%42.40%42.40%42.40%
Public57.60%57.60%57.60%57.60%

Charges & borrowings

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
DateCharge IDLenderAmountStatusModified or satisfied on
25 Mar 2026101270278Others₹250 CrOpen
23 Feb 2026101271035Idbi Trusteeship Services Limited₹150 CrOpen
03 Feb 2026101239962Karnataka Bank Ltd.₹200 CrOpen
04 Nov 2025101232322Others₹175 CrOpen
10 Oct 2025101174507Others₹300 CrOpen

To see the full charge records of Gic Housing Finance Limited, buy the company report.

Total charge records: 189 View all charges

Deals & funding

Gic Housing Finance Limited has 66 deals on record (65 market trades, 1 debt financing), with disclosed funding of ₹195 Cr; the latest was in November 2025.

Total deals
66
Market trades
65
Debt financing
1
Disclosed funding
₹195 Cr

Deals on record (5 of 66)

WhenDealAmountParties
Nov 2025Market trade₹9.31 CrBuyer: Vaipan Advisors Private Limited
Seller: Vaipan Ventures Private Limited
Sep 2024Market trade₹9.07 CrBuyer: Graviton Research Capital LLP
Seller: Graviton Research Capital LLP
Sep 2024Market trade₹35.05 CrBuyer: Graviton Research Capital LLP , Hrti Private Limited , Qe Securities LLP
Seller: Graviton Research Capital LLP , Qe Securities LLP , NK Securities Research Private Limited
Jun 2024Market trade₹6.81 CrBuyer: Graviton Research Capital LLP
Seller: Graviton Research Capital LLP
Jun 2024Market trade₹8.91 CrBuyer: Graviton Research Capital LLP
Seller: Graviton Research Capital LLP

To see the full deal history of Gic Housing Finance Limited, buy the company report.

Deal records are compiled from filings and public sources; amounts are shown only where the source reported them.

Credit ratings & regulatory alerts

Gic Housing Finance Limited was last rated by Icra on 27 Aug 2021.

Rating agencyRated onRating
Icra27 Aug 2021

To see the full credit ratings and regulatory alerts of Gic Housing Finance Limited, buy the company report.

MSME payment delays

Gic Housing Finance Limited has 44 MSME Form 1 returns on record between 2019 and 2024, listing 1,452 overdue payments to 30 micro and small suppliers. Companies must report dues to micro and small suppliers that stay unpaid for more than 45 days in a half-yearly MSME Form 1 return.

Suppliers with reported dues (5 of 30)

SupplierAmount dueDue sinceReported on
an individual supplier
an individual supplier
an individual supplier
an individual supplier
an individual supplier

To see the full MSME payment records of Gic Housing Finance Limited, buy the company report.

Individuals and sole proprietors among the suppliers are not named.

Group structure & subsidiaries

Gic Housing Finance has 1 subsidiary company. This group structure data is as of FY 2022. The table lists each entity with its relationship and holding.

1
Subsidiary companies
Key subsidiaries
Company NameCINShares held
Gichfl Financial Services Pvt. Ltd.U67190MH2021PTC354176

To see the full group structure of Gic Housing Finance Limited, buy the company report.

Employees & EPFO

Gic Housing Finance Limited has a workforce of 338 employees on its EPFO records as of Apr 08, 2024, across 1 active EPFO establishment.

Employee count
338
Active EPFO establishments
1
Employee growth
-2.31%

GST

Gic Housing Finance has 23 GST registrations: 22 active and 1 cancelled or inactive. The first 4 active GSTINs are listed below.

Total GSTINs
23
Active
22
Cancelled / inactive
1
GSTINStateStatusRegistered on
27AAACG2755R1Z3MaharashtraActive01 Jul 2017
27AAACG2755R2Z2MaharashtraActive01 Jul 2018
04AAACG2755R1ZBChandigarhActive01 Jul 2017
18AAACG2755R1Z2AssamActive01 Jul 2017

To see the full GST registrations and return filing status of Gic Housing Finance Limited, buy the company report.

Recent activity

Gic Housing Finance Limited has 119 board changes on record since 1996: 66 appointments and 53 cessations. The latest: Ramaswamy Narayanan ceased to be Director on 30 Sep 2025.

Charges
A charge registered on 13 Nov 2024 via Charge ID 101011350 with Idbi Trusteeship Services Limited was fully satisfied on 08 Jul 2026.
Charges
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
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
A charge registered on 13 Mar 2019 via Charge ID 100251453 with United Bank Of India was fully satisfied on 07 Apr 2026.
Filing
Gic Housing Finance Limited has filed its annual Financial statements for the year ended 31 Mar 2026 with Roc Mumbai I.
Charges
A charge with Others amounted to Rs. 250.00 Cr with Charge ID 101270278 was registered on 25 Mar 2026.
Charges
A charge with Idbi Trusteeship Services Limited of Rs. 300.00 Cr registered on 13 Nov 2024 with Charge ID 101031913 was modified on 20 Mar 2026.
Charges
A charge with Idbi Trusteeship Services Limited amounted to Rs. 150.00 Cr with Charge ID 101271035 was registered on 23 Feb 2026.
Charges
A charge registered on 06 Nov 2015 via Charge ID 10603391 with National Housing Bank was fully satisfied on 17 Feb 2026.
Charges
A charge registered on 20 Apr 2015 via Charge ID 10567915 with National Housing Bank was fully satisfied on 17 Feb 2026.
Charges
A charge with Karnataka Bank Ltd. amounted to Rs. 200.00 Cr with Charge ID 101239962 was registered on 03 Feb 2026.
Charges
A charge registered on 15 Jul 2020 via Charge ID 100350720 with Uco Bank was fully satisfied on 22 Jan 2026.

467 earlier events are in the company report.

News

GIC Housing Finance: CRISIL Maintains AA+ Stable Rating For Long-Term Facilities And NCDs, A1+ For Short-Term And Commercial Paper
19 Sep 2026 · Exchange Update

Frequently asked questions

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

Gic Housing Finance reported revenue of ₹1,082.54 Cr for FY 2025-26 (up 0.3% YoY) based on consolidated financials.

Gic Housing Finance has 13 current directors:

The latest financial statements of Gic Housing Finance on record with the MCA are for the year ended 31 March 2026. Its last annual general meeting was held on 19 August 2025. Year-wise statements from 2015 are in the company report.

The GSTIN of Gic Housing Finance is 27AAACG2755R1Z3, registered in Maharashtra. The company has 23 GST registrations in all, of which 22 are active and 1 is cancelled or inactive. Other active GSTINs include 27AAACG2755R2Z2 (Maharashtra), 04AAACG2755R1ZB (Chandigarh), 18AAACG2755R1Z2 (Assam).

The CIN (Corporate Identification Number) of Gic Housing Finance is L65922MH1989PLC054583. It is issued by the Ministry of Corporate Affairs under the Companies Act, 2013, and uniquely identifies the company in India.

Yes. Gic Housing Finance is a listed company as per MCA records. Its shares are listed on both BSE (code: 511676) and NSE (symbol: GICHSGFIN).

Gic Housing Finance has 2,616 court cases on record: 1,822 filed by the company and 795 filed against it. 558 are pending. Most are in the district courts.

Gic Housing Finance was incorporated on 12 December 1989, making it 37+ years old. It is registered with the Registrar of Companies, Mumbai.

Gic Housing Finance has 66 deals on record (65 market trades, 1 debt financing), with disclosed funding of ₹195 Cr; the latest was in November 2025.

The peers of Gic Housing Finance by revenue are Home First Finance Company India Limited, Veritas Finance Limited, Protium Finance Limited, Grihum Housing Finance Limited, SBFC Finance Limited and 1 more, all in the BFSI industry (Finance, Housing Finance), with the same principal business activity (other financial activities).

Ramaswamy Narayanan ceased to be Director on 30 Sep 2025. Dinesh Ranchhodbhai Waghela was appointed as Director on 23 Sep 2025. Ajit Kumar Saxena ceased to be Director on 22 Sep 2025. Gic Housing Finance has 119 board changes on record in total.