GICHSGFIN · GIC Housing Finance Ltd · Consumer Financial Services
GICHSGFIN · GIC Housing Finance Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
30.2% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹267 Cr
Revenue YoY
PAT YoY
+35.9%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.4
P/S (TTM)
0.7
Sector P/E
25.4
Dividend yield
+3.3%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| GICHSGFIN (this stock) | 5.2 | 0.4 | +14.5% | +7.5% | 4.33 | +3.3% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 3q
MF
Not available from data source
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedNo concall transcripts or investor presentations recorded yet.
AI Summary of Annual Report
AI-generatedGIC Housing Finance Limited (GICHSGFIN) reported no defaults in repayment of principal or interest on borrowings for FY2025-26. The company has a borrowing limit of ₹2,500 crores for issuing Non-Convertible Debentures (NCDs) on a private placement basis. The company has not been declared a wilful defaulter by any financial institution. The auditor noted key audit matters related to Expected Credit Loss (ECL) calculations for loan impairments, emphasizing the complexity of management estimates and judgments. The company has complied with regulatory requirements from RBI, NHB, IRDAI, and SEBI, and has no pending insolvency proceedings. The standalone and consolidated financial statements were prepared on a going concern basis with no material uncertainties noted.
- No defaults in repayment of principal or interest on borrowings for FY2025-26.
- Borrowing limit of ₹2,500 crores for issuing NCDs on a private placement basis.
- No wilful defaulter status from any financial institution.
- Key audit matter on ECL calculations for loan impairments.
- Compliance with RBI, NHB, IRDAI, and SEBI regulations.
Key takeaway: GIC Housing Finance Limited maintains compliance with regulatory requirements and has no defaults in repayment, though key audit matters highlight potential risks in credit loss estimation.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (3 items); Default / Covenant Breach (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
3 occurrencesRecent (last 12 months)
BSE Ltd. and National Stock Exchange of India Ltd. levied a fine of ₹60,000 plus taxes each for non-compliance of Regulation 17 & 29 of Listing Regulations, 2015 during F.Y. 2021-22.
Earlier (1-3 years ago)
General Insurance Corporation of India was fined ₹64,900 (incl. GST) each by NSE and BSE for not having the required number of Independent Directors on the Board for the quarter ended December 2024.
The company was fined ₹25,000 plus applicable taxes by BSE and NSE for non-compliance with Regulation 1(1) of Listing Regulations regarding the composition of the board of directors during F.Y. 2021-22.
Default / Covenant Breach
1 occurrenceEarlier (1-3 years ago)
The company has repossessed 1219 properties between February 2018 to March 2024 under SARFAESI Act, indicating loan defaults.
Routine disclosures
Contingent Liability
3 occurrencesRecent (last 12 months)
The company has contingent liabilities including estimated contracts remaining to be executed on capital account of ₹ 954 lakh and undrawn credit commitments of ₹ 24,810 lakh as of March 31, 2026.
Earlier (1-3 years ago)
The company has 313 cases filed against it in various courts, though the amount is not ascertainable.
The company has contingent liabilities of ₹212 lakh related to pending Income Tax disputes, with appeals preferred and payments made under protest. Additionally, bank guarantees of ₹150 lakh and ₹50 lakh were provided to Kotak Mahindra Life Insurance Company Ltd. and Aditya Birla Sun Life Insurance Company Ltd., respectively.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company had related-party transactions involving advances to Key Management Personnel amounting to ₹0.25 lakh, with a maximum outstanding of ₹0.60 lakh during the year ended March 31, 2026.
Earlier (1-3 years ago)
The company has related party transactions with promoter insurance companies that may exceed the materiality threshold of ₹ 1,000 crore or 10% of annual consolidated turnover during part of the financial years 2025-26 and 2026-27.
The company approved related party transactions with Promoter Companies, including General Insurance Corporation of India and The New India Assurance Company Ltd, up to an aggregate limit of ₹ 2,000 crores.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
7.32% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).