	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR
Total Revenue	439	554	625	732	876	1,002	1,111	1,226	1,250	1,226	1,151	1,123	1,060	1,079	1,081	1,082
Cost of Operating Revenue	311	373	419	509	601	668	713	865	944	822	700	701	709	701	684	687
Total Operating Expenses	361	441	492	579	685	775	775	946	1,103	977	803	818	842	850	851	863
Operating Profit	79	113	133	154	191	227	336	280	148	249	348	305	218	229	231	219
Operating Margin	17.9	20.4	21.3	21.0	21.8	22.7	30.2	22.8	11.8	20.3	30.3	27.1	20.5	21.2	21.3	20.2
Financing Income/(Expense) - Net	-	-	-	-	-	-	0	0	0	-1	-1	-2	-2	-2	-3	-
Profit before Taxes	79	113	133	154	191	227	274	247	112	135	230	290	204	207	159	197
Income Taxes	20	28	36	51	67	79	69	75	67	29	57	77	53	46	4	40
Profit after Tax	59	85	98	103	125	148	206	172	46	106	174	213	151	160	155	157
PAT Margin	13.4	15.4	15.6	14.1	14.2	14.7	18.5	14.0	3.6	8.6	15.1	19.0	14.3	14.9	14.3	14.6
EPS - Basic - ex Extraordinary Items	10.95	15.78	18.10	19.12	23.12	27.43	38.19	31.90	8.47	19.60	32.22	39.60	28.11	29.79	28.75	29.24
EPS - Diluted - ex Extraordinary Items	10.95	15.78	18.10	19.12	23.12	27.43	38.19	31.90	8.47	19.60	32.22	39.60	28.11	29.79	28.75	29.24
EBIT	79	113	133	154	191	227	336	280	148	249	348	305	218	229	231	219
EBITDA	80	115	135	157	192	228	336	281	154	254	357	314	233	244	242	231
EBITDA Margin	18.1	20.8	21.7	21.5	21.9	22.7	30.3	22.9	12.3	20.7	31.0	28.0	22.0	22.6	22.3	21.3

Balance Sheet

Abridged

Understanding Balance Sheet

GIC Housing Finance Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Property Plant & Equipment - Net	4	5	4	3	2	2	2	3	19	16	17	26	22	24	68
Total Assets	4,283	4,751	5,518	6,719	8,021	9,223	11,147	12,969	13,099	12,641	11,929	10,920	10,471	10,775	11,299
Long Term Debt	3,153	3,426	4,068	4,886	6,162	7,275	8,589	9,984	9,902	9,019	9,762	8,321	7,796	7,244	7,789
Total Liabilities	3,786	4,201	4,908	6,059	7,290	8,279	10,028	11,715	11,836	11,283	10,418	9,221	8,642	8,811	9,193
Total Shareholders' Equity	497	551	610	660	732	945	1,118	1,254	1,263	1,358	1,511	1,699	1,829	1,965	2,106
Total Equity	497	551	610	660	732	945	1,118	1,254	1,263	1,358	1,511	1,699	1,829	1,965	2,106
Total Liabilities & Equity	4,283	4,751	5,518	6,719	8,021	9,223	11,147	12,969	13,099	12,641	11,929	10,920	10,471	10,775	11,299
Total Current Assets	532	345	360	354	410	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	818	1,035	1,089	1,497	1,561	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

GIC Housing Finance Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	70	103	114	119	145	332	-1,667	-1,654	12	651	1,291	1,063	503	-43	-330
Working Capital - Increase/(Decrease)	-442	-365	-776	-1,222	-1,312	-1,509	-54	9	10	-103	-5	-20	19	26	10
Net CF from Operating Activities	-372	-262	-662	-1,103	-1,167	-1,178	-1,721	-1,645	22	548	1,286	1,043	522	-17	-320
Capital Expenditures - Net	4	2	1	1	0	1	0	1	14	16	5	6	4	3	5
Net CF from Investing Activities	-69	0	0	1	2	-16	2	1	-11	-14	-3	-213	63	-87	52
Dividends Paid - Cash - Total	30	24	27	32	27	27	27	30	30	11	22	24	24	24	24
Debt - LT & ST - Issuance/(Retirement) - Total	507	230	679	1,143	1,207	1,236	1,747	1,675	87	-547	-870	-1,214	-595	147	279
Net Cash Flow from Financing Activities	477	205	647	1,105	1,174	1,203	1,715	1,639	51	-558	-892	-1,238	-619	122	255
Free Cash Flow to Equity	130	-34	16	39	40	57	25	28	94	-15	411	-177	-77	127	-46
Free Operating CF net dividend	-406	-288	-690	-1,136	-1,194	-1,206	-1,749	-1,676	-22	521	1,259	1,013	494	-44	-349
Free Operating CF	-376	-264	-663	-1,104	-1,167	-1,179	-1,722	-1,647	8	532	1,281	1,037	518	-20	-325

Business Segment Analysis

FY End:

Mar 26

GIC Housing Finance Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Loans for the purchase ofr construction of residential units (100.0%)₹ 5.30 Cr

Revenue / Sales

Loans for the purchase ofr construction of residential units (100.0%)₹ 1,081.16 Cr

Assets

Loans for the purchase ofr construction of residential units (100.0%)₹ 11,298.98 Cr

Operating Income

Loans for the purchase ofr construction of residential units (100.0%)₹ 230.61 Cr

Regional Segment Analysis

FY End:

Mar 26

GIC Housing Finance Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 1,081.16 Cr

Assets

India (100.0%)₹ 11,298.98 Cr

Historical Segment Analysis

Track how GIC Housing Finance Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Loans for the purchase ofr construction of residential units	16	5	6	4	3	5

Frequently Asked Questions

What is the revenue of GIC Housing Finance Ltd.?

The latest trailing twelve month revenue of GIC Housing Finance Ltd. is ₹ 1,082.06 Cr, reflecting a 1-year growth of 1.14% and a 3-year CAGR of -0.83%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of GIC Housing Finance Ltd.?

The latest trailing twelve month net profit (PAT) of GIC Housing Finance Ltd. is ₹ 157.48 Cr, with a 3-year earnings CAGR of -8.56%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of GIC Housing Finance Ltd.?

The trailing twelve month EBITDA of GIC Housing Finance Ltd. is approximately ₹ 218.71 Cr (based on an operating margin of 20.21%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of GIC Housing Finance Ltd.?

The trailing twelve month Earnings Per Share (EPS) of GIC Housing Finance Ltd. is 29.24. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of GIC Housing Finance Ltd.?

The debt-to-equity ratio of GIC Housing Finance Ltd. stands at 4.33. The interest coverage ratio is 76.87x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of GIC Housing Finance Ltd.?

The estimated book value per share of GIC Housing Finance Ltd. is 390.19 (derived from a P/B ratio of 0.35 and market price of ₹ 137.66), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of GIC Housing Finance Ltd.?

The trailing twelve month operating cash flow of GIC Housing Finance Ltd. is ₹ -319.95 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does GIC Housing Finance Ltd. report consolidated or standalone financials?

GIC Housing Finance Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.