GIC Housing Finance Limited
NSE: GICHSGFINMarket Closed • NSE
Day range
52 week range
GIC Housing Finance Limited closed at INR131.82 (+0.73%) on volume 0.63x its 20-day average, trading 28.36% below its 52-week high.
2026-Q1
Q1 FY2026 Financial Results
PAT moved +22.9% QoQ
2026-06-25
DIVIDEND Announced
Dividend - Rs 4.50 Per Share
2025-07-18
DIVIDEND Announced
Dividend - Rs 4.50 Per Share
Revenue and PAT bars use independent scales to make their year-on-year direction readable.
Complete reported financial history · Values use the company's reporting currency
Hover over the chart for exact reported values. Percentage lines use the right-hand axis.
A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.
Strengths
Attractive Valuation: P/E of 4.5x trades below sector historical averages
Risks
Elevated Leverage Burden: Debt-to-Equity stands at 4.33x
Bull case
Market Leadership: Established operational scale in Mortgage Finance.
Bear case
Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.
Flip condition
Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.
Complete dividend, bonus, split, rights and other action history
| Record date | Corporate action | Information | Announcement date | Ex-date |
|---|---|---|---|---|
| 26 Jun 2026 | Dividend | ₹4.50 / share | — | 25 Jun 2026 |
| 18 Jul 2025 | Dividend | ₹4.50 / share | — | 18 Jul 2025 |
| 28 Jun 2024 | Dividend | ₹4.50 / share | — | 28 Jun 2024 |
| 25 Aug 2023 | Dividend | ₹4.50 / share | — | 25 Aug 2023 |
| 02 Sept 2022 | Dividend | ₹4.50 / share | — | 01 Sept 2022 |
| — | Dividend | ₹4.00 / share | — | 16 Sept 2021 |
| — | Dividend | ₹2.00 / share | — | 03 Dec 2020 |
| — | Dividend | ₹5.50 / share | — | 12 Sept 2019 |
| — | Dividend | ₹5.50 / share | — | 20 Jul 2018 |
| — | Dividend | ₹5.00 / share | — | 14 Jul 2017 |
| — | Dividend | ₹5.00 / share | — | 14 Jul 2016 |
| — | Dividend | ₹5.00 / share | — | 09 Jul 2015 |
Traded volume and delivery percentage across the latest 20 sessions
Compare valuation, latest quarterly performance and year-on-year growth
| Company name | Market cap ₹ Cr | P/E ratio | Dividend yield % | Quarterly sales ₹ Cr | Profit after tax ₹ Cr | Sales growth % | Profit growth % |
|---|---|---|---|---|---|---|---|
 HDFC Bank LimitedHDFCBANK Open analysis | ₹11.24L | 15.93 | 1.79% | ₹46,355.55 | ₹19,059.72 | -45.69% | +17.23% |
 ICICI Bank LimitedICICIBANK Open analysis | ₹10.03L | 18.06 | 0.86% | ₹32,960.41 | ₹16,276.00 | -35.98% | +12.59% |
 State Bank of IndiaSBIN Open analysis | ₹8.89L | 10.32 | 1.81% | ₹62,915.13 | ₹25,121.00 | -29.09% | +13.56% |
 Bajaj Finance LimitedBAJFINANCE Open analysis | ₹6.11L | 29.36 | 0.56% | ₹13,929.00 | ₹6,081.00 | +17.62% | +27.62% |
 Life Insurance Corporation of IndiaLICI Open analysis | ₹5.03L | 8.37 | 2.54% | ₹2.40L | ₹13,584.00 | +6.76% | +24.00% |
 Kotak Mahindra Bank LimitedKOTAKBANK Open analysis | ₹4.45L | 21.93 | 0.15% | ₹11,266.63 | ₹5,480.00 | -41.22% | +22.54% |
 Axis Bank LimitedAXISBANK Open analysis | ₹4.02L | 14.51 | 0.08% | ₹21,381.52 | ₹7,114.00 | -3.52% | +22.53% |
 Bajaj Finserv Ltd.BAJAJFINSV Open analysis | ₹2.77L | 27.45 | 0.08% | ₹42,036.90 | — | +39.05% | — |
GIC Housing Finance Limited provides housing finance services in India. The company grants housing loans to individuals, cooperative societies, association of persons, companies, and corporations for purchase of plots, houses, flats, apartments and construction, repair, renovation, upgradation of houses, and flats or apartments for residential purpose. It also provides home loans comprising individual housing, composite, repair and renovation, and home extension loans, as well as balance transfer services; and non-housing loans, such as loan against housing property and commercial loans. The company was formerly known as GIC Grih Vitta Limited and changed its name to GIC Housing Finance Limited in November 1993. GIC Housing Finance Limited was incorporated in 1989 and is based in Mumbai, India.
IndiaFinancial Services
Is GIC Housing Finance Limited Shariah compliant?
GIC Housing Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (1284.58%) exceeds AAOIFI threshold (≤ 33%).
What is GIC Housing Finance Limited's current valuation relative to peers?
GIC Housing Finance Limited trades at a P/E of 4.5x compared to the sector median of 16.5x, and a Price-to-Book of 0.3x.
Is the company financially healthy?
The company has a Debt-to-Equity ratio of 4.33x. Interest coverage is comfortable.
What are the historical revenue and profit growth rates?
Over the past 5 years, revenue compounded at -1.1% while net profit growth averaged -3.4%.
Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.
Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.