GIC Housing Finance Limited

Web: gichfindia.com NSE: GICHSGFIN BSE: 511676 SECTOR: Financial Services - Finance | Add Note | View Notes

141 1(-1%)

Near 52W Low of 130

Volume

3L as on 22, Jun

Open

204

High

207

Low

200

142

VWAP

166

52 Week High

184

52 Week Low

130

Viand Research Rating

Quality Score

23/100

Growth Score

5/100

Valuation Score

50/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

761

No. of Shares

5.39

P/E

7.13

P/B

0.62

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

8.76

ROCE

Profit Growth

Listing Date

08-May-96

Promoter Holding

42.41%

FII Holding

1.4%

DII Holding

2.53%

Price Chart

Price Performance

1 Week5%

1 Month10%

3 Months17%

6 Months13%

1 Year13%

YTD13%

Moving Average

5 Day SMA163

10 Day SMA159

20 Day SMA154

30 Day SMA153

50 Day SMA153

61 Day SMA151

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	169	165	167	170
Resistance 2	167	164	166	168
Resistance 1	165	164	165	167
Pivot Point	164	164	164	164
Support 1	162	163	162	163
Support 2	160	163	162	161
Support 3	159	163	160	160

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%	(0.01) 42.41%
FIIs	(-0.41) 1.40%	(-0.31) 1.81%	(-0.11) 2.08%	(-0.51) 2.16%	(0.51) 2.67%	(-0.31) 2.18%	(-0.51) 2.46%	(0.31) 2.91%	(-0.51) 2.64%	(-0.11) 3.18%	(-0.31) 3.28%	(1.61) 3.62%	(-0.21) 2.04%	(-0.11) 2.22%	(0.51) 2.33%	(0.11) 1.85%	(0.41) 1.78%	(0.11) 1.41%	(1.01) 1.35%	(0.01) 0.36%
DIIs	(-2.11) 2.53%	(-0.51) 4.59%	(-0.51) 5.05%	(0.01) 5.51%	(-0.41) 5.51%	(0.01) 5.89%	(0.01) 5.89%	(0.01) 5.89%	(0.01) 5.89%	(0.01) 5.89%	(-0.51) 5.89%	(0.01) 6.34%	(0.01) 6.34%	(0.01) 6.34%	(0.01) 6.34%	(0.01) 6.34%	(0.01) 6.33%	(0.01) 6.34%	(6.31) 6.34%	(0.01) 0.00%
Public	53.65%	51.18%	50.46%	49.92%	49.39%	49.52%	49.24%	48.79%	49.04%	48.52%	48.40%	47.63%	49.21%	49.03%	48.92%	49.39%	49.48%	49.84%	49.90%	57.23%
No. of Shareholders	61,754	61,368	62,585	64,226	65,375	66,517	67,790	67,589	66,668	62,410	58,599	57,443	59,478	59,762	57,320	60,636	61,492	62,458	63,624	68,818

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	267	273	273	272	265	272	269	264	274	260	261	268	268	281	281	279	273.98	288	292	298	272
Sales Growth % (YoY)	0.5%	0.4%	1.2%	2.8%	-3.1%	4.5%	3.1%	-1.3%	2%	-7.5%	-7%	-4.1%	-2%	-2.4%	-3.7%	-6.3%	0.7%	-	-	-	-
Sales Growth % (QoQ)	-2.2%	-	0.4%	2.6%	-2.6%	1.1%	1.9%	-3.6%	5.4%	-0.4%	-2.6%	-	-4.6%	-	0.7%	1.8%	-4.9%	-1.4%	-2%	9.6%	-
Expenses	73	39	42	35	110	30	31	37	53	10	41	47	42	28	16	30	52.59	48	20	61	88
Operating Profit	21	65	58	64	-18	68	59	50	47	78	44	42	43	75	87	73	50.9	75	100	58	0
OPM %	8	24	21	24	-7	25	22	19	17	30	17	16	16	27	31	26	18.58	26	34	19	0
Other Income	1	1	0	0	0	-9	1	2	3	6	2	3	3	6	3	2	2.37	2	1	2	2
Interest	173	168	173	173	173	174	179	177	174	172	176	179	183	178	178	176	170.49	166	172	179	184
Depreciation	4	3	3	3	3	4	4	4	4	4	4	4	4	3	2	2	2.38	3	3	1	1
Profit before tax	18	63	55	61	-20	56	56	48	47	79	42	41	42	78	88	73	50.89	73	98	58	1
Tax %	43	15	20	18	-137	37	12	23	17	32	16	26	24	33	26	23	23.03	33	22	22	-231
Net Profit	10	54	44	50	7	35	50	37	39	54	36	30	32	52	65	56	39.17	49	76	45	3
Net Profit Growth % (QoQ)	-81.5%	22.7%	-12%	614.3%	-80%	-30%	35.1%	-5.1%	-27.8%	50%	20%	-6.2%	-38.5%	-20%	16.1%	43%	-20.1%	-35.5%	68.9%	1400%	-
Net Profit Growth % (YoY)	42.9%	54.3%	-12%	35.1%	-82.1%	-35.2%	38.9%	23.3%	21.9%	3.8%	-44.6%	-46.4%	-18.3%	6.1%	-14.5%	24.4%	1205.7%	-	-	-	-
TTM Net Profit	158	155	136	142	129	161	180	166	159	152	150	179	205	212.17	209.17	220.17	209.17	173	124	48	0
EPS in Rs	1.87	9.97	8.11	9.29	1.38	6.54	9.23	6.78	7.24	9.97	6.62	5.61	5.91	9.72	12.15	10.46	7.27	9.1	14.21	8.4	0.52

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Sales	1083	1079	1060	1123	1152
Sales Growth %	0.3%	1.8%	-5.6%	-2.5%	-
Expenses	226	151	140	126	216
Operating Profit	169	225	209	294	234
OPM %	16	21	20	26	20
Other Income	1	-3	10	6	5
Interest	687	703	711	703	702
Depreciation	11	15	15	10	9
Profit before tax	159	207	204	290	230
Tax %	3	22	26	26	25
Net Profit	155	160	151	213	174
Net Profit Growth %	-3.1%	6%	-29.1%	22.4%	-
EPS in Rs	28.75	29.79	28.11	39.6	32.22
Dividend Payout %	16	15	16	11	14

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Cash from Operating Activity	-320	-18	522	1043	1286
Cash from Investing Activity	52	-87	64	-213	-3
Cash from Financing Activity	255	122	-619	-1238	-892
Net Cash Flow	-14	18	-34	-408	391

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022
Equity Capital	54	54	54	54	54	54	54
Reserves	2053	1944	1911	1827	1775	1645	1457
Borrowings	0	0	0	0	0	0	0
Other Liabilities	74	62	60	61	57	53	53
Total Liabilities	11299	11082	10775	10615	10471	10920	11929
Fixed Assets	69	40	27	56	44	52	20
CWIP	16	0	11	0	10	9	29
Investments	210	287	254	252	168	229	14
Other Assets	11004	10755	10483	10307	10248	10630	11865
Total Assets	11299	11082	10775	10615	10471	10920	11929

Delivery

Delivery Data: GICHSGFIN

#	Date	136 17% 159	Value (Cr)	Q/T 63	Del 52	Del 2
1	4-Sep	140	2	80	53	1
2	3-Sep	142	2	56	61	1
3	2-Sep	146	2	69	61	1
4	1-Sep	142	1	62	36	1
5	31-Aug	139	1	37	54	0
6	28-Aug	141	0	48	57	0
7	27-Aug	142	1	80	44	1
8	26-Aug	142	1	66	53	1
9	25-Aug	140	2	65	60	1
10	24-Aug	137	1	54	69	0
11	21-Aug	138	1	62	65	1
12	20-Aug	138	1	50	69	1
13	19-Aug	137	1	39	68	1
14	18-Aug	138	1	46	53	1
15	17-Aug	139	1	48	52	1
16	14-Aug	141	1	87	59	1
17	13-Aug	140	7	71	61	5
18	12-Aug	149	1	80	65	1
19	11-Aug	150	1	63	66	1
20	10-Aug	153	2	69	66	1
21	7-Aug	153	6	82	47	3
22	6-Aug	150	1	67	53	0
23	5-Aug	150	1	50	55	0
24	4-Aug	149	0	49	62	0
25	3-Aug	148	1	50	56	0
26	31-Jul	148	0	39	52	0
27	30-Jul	148	0	40	61	0
28	29-Jul	148	1	54	66	1
29	28-Jul	148	1	42	57	0
30	27-Jul	148	1	38	50	1
31	24-Jul	147	1	50	61	1
32	23-Jul	147	1	49	58	0
33	22-Jul	148	2	66	48	1
34	21-Jul	149	1	49	57	0
35	20-Jul	150	1	50	53	1
36	17-Jul	151	1	59	34	0
37	16-Jul	150	3	76	40	1
38	15-Jul	150	1	53	49	1
39	14-Jul	149	3	53	57	1
40	13-Jul	152	1	42	49	0
41	10-Jul	151	2	71	50	1
42	9-Jul	151	1	65	51	0
43	8-Jul	151	1	59	56	1
44	7-Jul	152	1	44	39	0
45	6-Jul	152	1	46	46	0
46	3-Jul	155	2	90	48	1
47	2-Jul	153	2	73	52	1
48	1-Jul	152	2	78	63	1
49	30-Jun	152	3	89	52	1
50	29-Jun	154	2	69	49	1

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	761c	7c	0.86
03-Sep	768c	19c	2.57
01-Sep	748c	16L	0.02
31-Aug	748c	10c	1.31
27-Aug	758c	65L	0.09
26-Aug	758c	16c	2.15
25-Aug	742c	2c	0.25
24-Aug	740c	4c	0.58
21-Aug	744c	9c	1.17
19-Aug	736c	9c	1.21
18-Aug	745c	4c	0.53
17-Aug	749c	10c	1.27
14-Aug	758c	21c	2.70
13-Aug	779c	25c	3.09
12-Aug	804c	23c	2.73
11-Aug	827c	0	0
10-Aug	827c	25c	3.17
06-Aug	801c	2c	0.29
04-Aug	799c	5c	0.58
31-Jul	794c	3c	0.34
30-Jul	797c	3c	0.34
29-Jul	794c	65L	0.08
28-Jul	795c	5c	0.59
27-Jul	800c	0	0

Stock Checklist

Price is above from 52 week high low average: 21%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 32 fund scheme(s) across 9 fund house(s) as of Aug26 · Total value ₹3,846 Cr · 7 increasing / 23 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
UTI Mutual Fund	8	0.70%	-0.69%	1174.4
Aditya Birla Sun Life Mutual Fund	4	0.29%	-0.75%	896
Kotak Mahindra Mutual Fund	2	0.42%	-0.51%	796.2
Tata Mutual Fund	6	1.48%	-1.94%	507.3
Nippon India Mutual Fund	3	0.21%	+0.18%	223
Mirae Asset Mutual Fund	2	0.88%	+0.85%	200.1
LIC Mutual Fund	4	0.97%	-0.79%	33.6
PGIM India Mutual Fund	2	2.92%	-3.18%	10
PGIM India Asset Management Private Limite	1	2.92%	-3.18%	5

GIC Housing Finance Limited

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Price Performance

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PIVOT LEVEL

Competitors/Peers

Shareholding Pattern (%)

Quarterly Results

Profit and Loss

Cash Flows

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