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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
132.09 1 (0.43%)
  • As on 12 Oct 2026 (EOD)

  • Today’s Low

    131.42

  • Today’s High

    133.40

  • Open

    132.00

  • Perv Close

    131.53

  • 52W Low

    130.05

  • 52W High

    184.00

Key Indicators

  • P/E(TTM)

    4.53

  • Mar.Cap (₹Cr.)

    711.30

  • Div & Yield %

    3.41

  • Book Value(₹)

    391.01

  • Debt-Equity Ratio

    0.43

  • AGM Date

    12-Oct-2026

  • EPS

    29.19

  • P/E Ratio

    4.53

Financials Ratios

  • Debt-Equity Ratio

    5.03

  • Mar.Cap (₹Cr.)

    711.30

  • RONW (%)

    8.58

  • ROCE (%)

    8.60

Score Board

  • Equity (₹ in Cr.)

    53.85

  • BV (₹)

    391.00

  • Sales( ₹ in Cr.)

    1,083.22

  • NP (in Cr.)

    154.49

  • NP Var(%)

    -9.0

  • Div%

    45.0

  • CPS (₹)

    30.70

  • EPS (₹)

    28.70

  • Traded Value (₹ in Lakhs)

    711.90

  • 52 Week High

    184.00

  • 52 Week Low

    130.05

  • Price BSE

    132.0

  • Price NSE

    132.00

  • Market Capital( in Cr.)

    711.90

  • P/C Ratio

    4.30

  • P/E Ratio

    4.60

  • Price Vs.BV

    28.70

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Financials

All Values are in (₹Cr)
Particulars(INCOME) 2026 Mar 2025 Mar 2024 Mar 2023 Mar 2022 Mar 2021 Mar
INCOME :            
Operating Income 1,082.47 1,079.15 1,059.87 1,122.76 1,151.66 1,231.82
Other Income 0.75 9.73 9.77 6.12 4.74 7.73
Total Income 1,083.22 1,088.88 1,069.64 1,128.88 1,156.40 1,239.55
EXPENDITURE :            
Operating & Administration Expenses 65.96 56.40 52.03 43.27 34.61 40.22
Miscellaneous Expenses 76.93 37.60 24.57 23.05 132.93 193.59
Interest 687.26 703.27 710.69 702.93 701.55 823.25
Less: Pre-operative Expenses Capitalised 0.00 0.00 0.00 0.00 0.00 0.00
Employee Expense 83.34 70.23 63.42 59.89 48.20 43.46
Total Expenditure 913.49 867.50 850.71 829.14 917.29 1,100.52
Gross Profit 169.73 221.38 218.93 299.74 239.11 139.03
Depreciation 10.96 15.01 15.02 9.94 8.71 4.48
Profit Before Tax 158.77 206.37 203.91 289.80 230.40 134.55
Current Tax 37.60 44.50 42.50 34.50 64.00 52.11
Fringe Benefit tax 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Tax -33.32 1.70 10.25 42.10 -7.17 -23.13
Reported Net Profit 154.49 160.17 151.16 213.20 173.57 105.57
Extraordinary Items 0.00 -10.14 0.00 3.11 1.20 0.00
Adjusted Net Profit 154.49 170.31 151.16 210.09 172.37 105.57
Adjustment below net profit 0.00 0.00 0.00 0.00 0.00 0.00
Profit/Loss Balance brought forward 27.44 26.50 26.07 24.40 22.42 12.32
Appropriations 155.23 159.23 150.73 211.53 171.59 95.47
P & L Balance carried down 26.70 27.44 26.50 26.07 24.40 22.42
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 45.00 40.00
Dividend Per Share(Rs) 4.50 4.50 4.50 4.50 4.50 4.00
Earnings Per Share-Unit Curr 28.67 29.73 28.05 39.57 32.21 19.59
Earnings Per Share(Adj)-Unit Curr 28.67 29.73 28.05 39.57 32.21 19.59
Book Value-Unit Curr 390.80 364.59 339.39 315.39 280.40 252.01
Book Value(Adj)-Unit Curr 390.80 364.59 339.39 315.39 280.40 252.01

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 754,810 1.40 754,810 31
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 1,364,373 2.53 1,364,373 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 2,500 0.00 2,500 1
Trusts 0 0.00 0 0
Venture Capital Funds 0 0.00 0 0
Sub total 2,121,783 3.94 2,121,783 34
2] Non Institution
Bodies Corporate 4,458,313 8.28 4,456,913 367
Clearing Members 86 0.00 86 1
Directors of their Relatives 0 0.00 0 0
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 1,518,103 2.82 1,517,203 1,043
Foreign Non Institution Other 0 0.00 0 0
Hindu Undivided Families 1,320,273 2.45 1,320,273 1,498
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 3,943,036 7.32 3,943,036 77
Individuals holding nominal share capital up to Rs. 1 lakh 17,383,680 32.28 17,208,510 58,721
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 30,558 0.06 30,558 7
Others 238,395 0.44 238,395 1
Sub Total 28,892,444 53.65 28,714,974 61,715
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 53,673,596 61,754

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

    Hitesh Joshi

  • Managing Director

    Shri Sachindra Salvi

  • Company Secretary

  • Auditor

    Gokhale & Sathe

  • 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 132.20 1,083.22 1,082.23 4.53 7.71
Mah. Scooters 12,255.80 313.24 312.76 50.29 1.06
TVS Holdings 11,614.40 516.59 516.34 73.70 15.52
Bajaj Holdings 10,793.75 3,184.31 3,130.62 39.83 12.82
Alfred Herbert 2,725.65 44.77 44.73 5.75 12.10
GKW 1,554.50 47.96 32.09 -173.69 2.11
Rane Holdings 1,490.00 171.45 165.69 24.36 13.92
Max Financial 1,303.05 30.68 25.79 4,826.11 0.05
Tata Inv.Corpn. 620.45 426.34 420.21 83.73 1.29
Naperol Invest. 569.70 26.80 26.72 30.34 1.07
Aravali Sec 4.28 0.95 0.00 -35.67 0.00