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  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison
Overview
  • Overview
  • Key Ratios
  • Financials
  • Shareholding
  • Company Info
  • Peer Comparison

GIC Housing Finance Ltd Finance - Housing

  • GIC
  • BSE Code : 4580.0
  • ISIN : INE289B01019
189.71 -2 (-0.85%)
  • As on 25 Jul 2025 (EOD)

  • Today’s Low

    189.30

  • Today’s High

    192.72

  • Open

    192.72

  • Perv Close

    191.34

  • 52W Low

    156.01

  • 52W High

    277.69

Key Indicators

  • P/E(TTM)

    6.00

  • Mar.Cap (₹Cr.)

    1,021.59

  • Div & Yield %

    2.37

  • Book Value(₹)

    364.79

  • Debt-Equity Ratio

    -0.85

  • AGM Date

    24-Jul-2025

  • EPS

    31.63

  • P/E Ratio

    6.00

Financials Ratios

  • Debt-Equity Ratio

    5.03

  • Mar.Cap (₹Cr.)

    1,021.59

  • RONW (%)

    8.58

  • ROCE (%)

    8.60

Score Board

  • Equity (₹ in Cr.)

    53.85

  • BV (₹)

    364.80

  • Sales( ₹ in Cr.)

    1,088.88

  • NP (in Cr.)

    170.31

  • NP Var(%)

    13.0

  • Div%

    45.0

  • CPS (₹)

    34.40

  • EPS (₹)

    31.60

  • Traded Value (₹ in Lakhs)

    1,021.80

  • 52 Week High

    277.69

  • 52 Week Low

    156.01

  • Price BSE

    190.0

  • Price NSE

    190.00

  • Market Capital( in Cr.)

    1,021.80

  • P/C Ratio

    5.50

  • P/E Ratio

    6.00

  • Price Vs.BV

    31.60

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar
INCOME :            
Operating Income 1,079.15 1,059.87 1,122.76 1,151.66 1,231.82 1,252.31
Other Income 9.73 9.77 6.12 4.74 7.73 2.60
Total Income 1,088.88 1,069.64 1,128.88 1,156.40 1,239.55 1,254.91
EXPENDITURE :            
Operating & Administration Expenses 56.40 52.03 43.27 34.61 40.22 44.04
Miscellaneous Expenses 37.60 24.57 23.05 132.93 193.59 104.18
Interest 703.27 710.69 702.93 701.55 823.25 945.76
Less: Pre-operative Expenses Capitalised 0.00 0.00 0.00 0.00 0.00 0.00
Employee Expense 70.23 63.42 59.89 48.20 43.46 42.53
Total Expenditure 867.50 850.71 829.14 917.29 1,100.52 1,136.51
Gross Profit 221.38 218.93 299.74 239.11 139.03 118.40
Depreciation 15.01 15.02 9.94 8.71 4.48 6.13
Profit Before Tax 206.37 203.91 289.80 230.40 134.55 112.27
Current Tax 44.50 42.50 34.50 64.00 52.11 43.02
Fringe Benefit tax 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Tax 1.70 10.25 42.10 -7.17 -23.13 23.64
Reported Net Profit 160.17 151.16 213.20 173.57 105.57 45.61
Extraordinary Items -10.14 0.00 3.11 1.20 0.00 0.00
Adjusted Net Profit 170.31 151.16 210.09 172.37 105.57 45.61
Adjustment below net profit 0.00 0.00 0.00 0.00 0.00 -6.09
Profit/Loss Balance brought forward 26.50 26.07 24.40 22.42 12.32 36.36
Appropriations 159.23 150.73 211.53 171.59 95.47 63.56
P & L Balance carried down 27.44 26.50 26.07 24.40 22.42 12.32
Dividend 0.00 0.00 0.00 0.00 0.00 0.00
Preference Share Dividend 0.00 0.00 0.00 0.00 0.00 0.00
Equity Dividend Rate (%) 45.00 45.00 45.00 45.00 40.00 20.00
Dividend Per Share(Rs) 4.50 4.50 4.50 4.50 4.00 2.00
Earnings Per Share-Unit Curr 29.73 28.05 39.57 32.21 19.59 8.47
Earnings Per Share(Adj)-Unit Curr 29.73 28.05 39.57 32.21 19.59 8.47
Book Value-Unit Curr 364.59 339.39 315.39 280.40 252.01 234.43
Book Value(Adj)-Unit Curr 364.59 339.39 315.39 280.40 252.01 234.43

Shareholding Pattern

  • Promoter Group

    42.41%

  • Public Share Holding

    57.59%

Category of Shareholder No of Shares % Holdings Demat Shares Shareholders
A]. Promoter & Group
Foreign (Promoter & Group) - Bodies Corporate 0 0.00 0 0
Foreign (Promoter & Group)-Individuals (Non-Resident / Foreign) 0 0.00 0 0
Foreign Promoter(Institutional) 0 0.00 0 0
Promoter Others 0 0.00 0 0
Sub Total 0 0.00 0 0
[2] INDIAN
Bodies Corporate-Indian (Promoter & Group) 22,836,839 42.41 22,836,839 5
Government(Central / State)-Indian (Promoter & Group) 0 0.00 0 0
Directors & their Relatives-Indian (Promoter & Group) 0 0.00 0 0
Financial Institutions / Banks-Indian (Promoter & Group) 0 0.00 0 0
Individuals / Hindu Undivided Family-Indian (Promoter & Group) 0 0.00 0 0
Partnership Firms-Indian (Promoter & Group) 0 0.00 0 0
Persons Acting in Concert 0 0.00 0 0
Trusts 0 0.00 0 0
Others 0 0.00 0 0
Sub Total 22,836,839 42.41 22,836,839 5
Total ShareHolding for Promoter & Group
B]. Publice Share Holding
1] Institution
Government(Central / State) 0 0.00 0 0
Clearing Members 0 0.00 0 0
Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
Financial Institutions / Banks 100 0.00 100 1
Foreign Bank 0 0.00 0 0
Foreign Bodies Corporate/OCBs/FBC 0 0.00 0 0
Foreign Collaborators 0 0.00 0 0
Foreign Institutional Investors 1,442,594 2.68 1,442,594 42
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 2,969,186 5.51 2,969,186 1
Mutual Funds / UTI 0 0.00 0 0
Individuals (Non-Resident / Foreign) 0 0.00 0 0
NSDL Intransit 0 0.00 0 0
Others 2,600 0.00 2,600 2
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 4,414,480 8.20 4,414,480 46
2] Non Institution
Bodies Corporate 4,300,950 7.99 4,299,550 373
Clearing Members 163 0.00 163 2
Directors of their Relatives 500 0.00 500 1
Employees 0 0.00 0 0
Escrow Account 0 0.00 0 0
Foreign Corporate Bodies 0 0.00 0 0
Foreign Direct Investments 0 0.00 0 0
NRIs/Foreign Individuals/Foreign Nationals 700,342 1.30 700,342 1,021
Foreign Non Institution Other 0 0.00 0 0
Hindu Undivided Families 1,037,264 1.93 1,037,264 1,539
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 3,194,251 5.93 3,194,251 60
Individuals holding nominal share capital up to Rs. 1 lakh 17,107,926 31.77 16,908,045 62,317
Market Maker 0 0.00 0 0
NSDL Transit 0 0.00 0 0
Shares in transit 0 0.00 0 0
Societies 0 0.00 0 0
Trust & Foundation 40,558 0.08 40,558 10
Others 217,793 0.40 217,793 1
Sub Total 26,599,747 49.40 26,398,466 65,324
Total Public Shareholding
C]. Shares held by Custodians and against which Depository Receipts have been issued
ADR 0 0.00 0 0
GDR 0 0.00 0 0
Other Custodians 0 0.00 0 0
Total Shares held by Custodians and against which Depository Receipts have been issued 0 0.00 0 0
Grand Total ( A + B + C ) 53,851,066 100.00 53,649,785 65,375

Company Background

GIC Housing Finance LtdFinance - Housing

  • GIC Housing Finance Ltd
  • BSE Code : 4580.0
  • ISIN : INE289B01019

  • Incorporation Year

    1989

  • Registered Office

    Royal Insurance Build 6th Flr
    14 Jamshedji Tata Rd Churchgat, Mumbai,
    Maharashtra-400020

  • Telephone

    91-22-2285 1765(5 Lines)

  • FAX

    91-22-2288 4985/2288 0173

  • Chairman

    N. Ramaswamy

  • Managing Director

    Shri Sachindra Salvi

  • Company Secretary

  • Auditor

    Chandabhoy & Jassoobhoy

  • Face Value

    10

  • Listing

    NSE

  • Registrar

    KFin Techologies Ltd
    Karvy Selenium Tow-B,
    31&32 Financial Dist,Nanakramguda
    Mumbai - Hyderabad-500032

GIC Housing Finance Ltd Peer Comparison

Profit & Loss
Financial Ratios
Balance Sheet
Select Company Name LTP (₹) Revenue Sales P/E Ratio ROCE %
GIC Housing Fin 189.75 1,088.88 1,078.91 6.38 8.61
Mah. Scooters 14,774.25 185.20 182.86 69.93 0.59
Bajaj Holdings 14,164.20 1,600.25 1,512.77 122.02 7.38
Tata Inv.Corpn. 6,751.85 369.49 367.10 120.91 1.09
Alfred Herbert 3,000.00 1.95 1.54 37.08 0.52
GKW 1,823.00 36.63 32.78 -58.92 -2.42
Max Financial 1,525.70 21.71 21.43 -5,650.74 -0.17
Piramal Enterp. 1,305.95 2,257.94 2,138.36 58.77 4.90
Naperol Invest. 1,123.30 1.92 1.91 61.18 -0.08
Bagalkot Udyog 23.90 0.02 0.02 0.00 0.00
Aravali Sec 4.70 0.74 0.00 -23.50 0.00