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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
188.50 -1 (-0.29%)
  • As on 31 May 2025 (EOD)

  • Today’s Low

    186.80

  • Today’s High

    189.70

  • Open

    189.49

  • Perv Close

    189.05

  • 52W Low

    156.01

  • 52W High

    278.40

Key Indicators

  • P/E(TTM)

    5.96

  • Mar.Cap (₹Cr.)

    1,015.07

  • Div & Yield %

    2.39

  • Book Value(₹)

    364.79

  • Debt-Equity Ratio

    -0.29

  • AGM Date

    30-May-2025

  • EPS

    31.63

  • P/E Ratio

    5.96

Financials Ratios

  • Debt-Equity Ratio

    5.03

  • Mar.Cap (₹Cr.)

    1,015.07

  • RONW (%)

    8.58

  • ROCE (%)

    8.60

Score Board

  • Equity (₹ in Cr.)

    53.85

  • BV (₹)

    364.80

  • Sales( ₹ in Cr.)

    1,064.87

  • NP (in Cr.)

    170.31

  • NP Var(%)

    16.0

  • Div%

    45.0

  • CPS (₹)

    34.40

  • EPS (₹)

    31.60

  • Traded Value (₹ in Lakhs)

    1,015.61

  • 52 Week High

    278.40

  • 52 Week Low

    156.01

  • Price BSE

    189.0

  • Price NSE

    189.00

  • Market Capital( in Cr.)

    1,015.61

  • 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) 2024 Mar 2023 Mar 2022 Mar 2021 Mar 2020 Mar 2019 Mar
INCOME :            
Operating Income 1,059.87 1,122.76 1,151.66 1,231.82 1,252.31 1,227.65
Other Income 9.77 6.12 4.74 7.73 2.60 0.00
Total Income 1,069.64 1,128.88 1,156.40 1,239.55 1,254.91 1,227.65
EXPENDITURE :            
Operating & Administration Expenses 51.57 43.27 34.61 40.22 44.04 39.08
Miscellaneous Expenses 25.03 23.05 132.93 193.59 104.18 42.33
Interest 710.69 702.93 701.55 823.25 945.76 865.56
Less: Pre-operative Expenses Capitalised 0.00 0.00 0.00 0.00 0.00 0.00
Employee Expense 63.42 59.89 48.20 43.46 42.53 32.90
Total Expenditure 850.71 829.14 917.29 1,100.52 1,136.51 979.87
Gross Profit 218.93 299.74 239.11 139.03 118.40 247.78
Depreciation 15.02 9.94 8.71 4.48 6.13 0.72
Profit Before Tax 203.91 289.80 230.40 134.55 112.27 247.06
Current Tax 42.50 34.50 64.00 52.11 43.02 78.40
Fringe Benefit tax 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Tax 10.25 42.10 -7.17 -23.13 23.64 -3.15
Reported Net Profit 151.16 213.20 173.57 105.57 45.61 171.81
Extraordinary Items 4.73 3.11 1.20 0.00 0.00 0.00
Adjusted Net Profit 146.43 210.09 172.37 105.57 45.61 171.81
Adjustment below net profit 0.00 0.00 0.00 0.00 -6.09 -6.10
Profit/Loss Balance brought forward 26.07 24.40 22.42 12.32 36.36 56.98
Appropriations 150.73 211.53 171.59 95.47 63.56 186.33
P & L Balance carried down 26.50 26.07 24.40 22.42 12.32 36.36
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 40.00 20.00 55.00
Dividend Per Share(Rs) 4.50 4.50 4.50 4.00 2.00 5.50
Earnings Per Share-Unit Curr 28.05 39.57 32.21 19.59 8.47 31.89
Earnings Per Share(Adj)-Unit Curr 28.05 39.57 32.21 19.59 8.47 31.89
Book Value-Unit Curr 339.39 315.39 280.40 252.01 234.43 232.74
Book Value(Adj)-Unit Curr 339.39 315.39 280.40 252.01 234.43 232.74

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 1,176,178 2.18 1,176,178 40
Foreign Venture Capital Investors 0 0.00 0 0
Foreign Institution Other 0 0.00 0 0
Insurance Companies 3,173,790 5.89 3,173,790 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 4,352,668 8.08 4,352,668 44
2] Non Institution
Bodies Corporate 4,473,545 8.31 4,472,145 393
Clearing Members 94 0.00 94 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 693,176 1.29 693,014 1,027
Foreign Non Institution Other 0 0.00 0 0
Hindu Undivided Families 982,163 1.82 982,163 1,525
Indian Public 0 0.00 0 0
Individuals holding nominal share capital in excess of Rs. 1 lakh 3,324,729 6.17 3,324,729 64
Individuals holding nominal share capital up to Rs. 1 lakh 16,928,401 31.44 16,726,346 63,445
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 218,393 0.41 218,393 1
Sub Total 26,661,559 49.51 26,457,942 66,468
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 53,647,449 66,517

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 188.60 1,069.64 1,057.16 6.34 8.60
Bajaj Holdings 13,419.30 3,175.69 3,111.91 62.08 17.45
Mah. Scooters 13,343.10 223.54 222.50 71.14 0.88
Tata Inv.Corpn. 6,723.40 325.31 322.48 120.40 1.19
Alfred Herbert 2,583.50 1.95 1.54 31.93 0.52
GKW 2,058.40 39.10 38.77 -66.53 5.63
Max Financial 1,502.00 21.71 21.43 -5,562.96 -0.17
Piramal Enterp. 1,107.25 3,825.21 3,734.30 49.83 5.29
Naperol Invest. 970.25 1.92 1.91 52.85 -0.08
Bagalkot Udyog 23.90 0.02 0.02 0.00 0.00
Aravali Sec 3.88 0.74 0.00 -19.40 0.00