INTEGRATED FILING — NBFC



General information about company

Scrip code 511676
NSE Symbol GICHSGFIN
MSEI Symbol NOTLISTED
ISIN INE289B01019
Name of company GIC HOUSING FINANCE LIMITED
Type of company Main Board
Class of security Equity
Date of start of financial year 01-04-2026
Date of end of financial year 31-03-2027
Date of board meeting when results were approved 12-08-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 31-07-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited for the quarter ended Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Single segment
Description of single segment Housing Finance
Start date and time of board meeting 12-08-2026   13:38:00
End date and time of board meeting 12-08-2026   16:36:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable


Financial Results — NBFC

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
1 Income
Revenue from operations
(i) Interest Income 26,430.00 26,430.00
(ii) Dividend Income 0.00 0.00
(iii) Rental Income 0.00 0.00
(iv) Fees and commission Income 98.00 98.00
(v) Net gain on fair value changes 0.00 0.00
(vi) Net gain on derecognition of financial instruments under amortised cost category 0.00 0.00
(vii) Sale of products (including Excise Duty) 0.00 0.00
(viii) Sale of services 0.00 0.00
(ix) Other revenue from operations
1 Other Operating Income 148.00 148.00
Total other revenue from operations 148.00 148.00
Total Revenue From Operations 26,676.00 26,676.00
Other income 61.00 61.00
Total income 26,737.00 26,737.00
2 Expenses
Cost of materials consumed 0.00 0.00
Purchases of stock-in-trade 0.00 0.00
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0.00 0.00
Employee benefit expense 2,286.00 2,286.00
Finance costs 17,298.00 17,298.00
Depreciation, depletion and amortisation expense 380.00 380.00
Fees and commission expense 0.00 0.00
Net loss on fair value changes 0.00 0.00
Net loss on derecognition of financial instruments under amortised cost category 45.00 45.00
Impairment on financial instruments 3,249.00 3,249.00
(f) Other expenses
1 Other Expenses 1,705.00 1,705.00
Total other expenses 1,705.00 1,705.00
Total expenses 24,963.00 24,963.00
3 Total profit before exceptional items and tax 1,774.00 1,774.00
4 Exceptional items 0.00 0.00
5 Total profit before tax 1,774.00 1,774.00
7 Tax expense
8 Current tax 864.00 864.00
9 Deferred tax (98.00) (98.00)
10 Total tax expenses 766.00 766.00
11 Net Profit Loss for the period from continuing operations 1,008.00 1,008.00
12 Profit (loss) from discontinued operations before tax 0.00 0.00
13 Tax expense of discontinued operations 0.00 0.00
17 Net profit (loss) from discontinued operation after tax 0.00 0.00
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0.00 0.00
15 Total profit (loss) for period 1,008.00 1,008.00
16 Other comprehensive income net of taxes 81.00 81.00
17 Total Comprehensive Income for the period 1,089.00 1,089.00
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 1,008.00 1,008.00
Total profit or loss, attributable to non-controlling interests 0.00 0.00
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 1,089.00 1,089.00
Total comprehensive income for the period attributable to owners of parent non-controlling interests 0.00 0.00
20 Details of equity share capital
Paid-up equity share capital 5,385.00 5,385.00
Face value of equity share capital 10 10
21 Reserves excluding revaluation reserve
22 Earnings per share
i Earnings per equity share for continuing operations
Basic earnings per share from continuing operations 1.87 1.87
Diluted earnings per share from continuing operations 1.87 1.87
ii Earnings per equity share for discontinued operations
Basic earnings per share from discontinued operations 0 0
Diluted earnings per share from discontinued operations 0 0
ii Earnings per equity share
Basic earnings per share 1.87 1.87
Diluted earnings per share 1.87 1.87
23 Debt equity ratio 4.2900 4.2900
24 Debt service coverage ratio
25 Interest service coverage ratio
26 Disclosure of notes on financial results Textual Information(1)


Remarks

23 Debt equity ratio
24 Debt service coverage ratio Not Applicable
25 Interest service coverage ratio Not applicable


Text Block

Textual Information(1) Notes to Consolidated Financial Results: 1. The above unaudited consolidated financial results represent the consolidated financial results for GIC Housing Finance Limited (GICHFL) and its wholly owned subsidiary i.e. GICHFL Financial Services Private Limited (GFSPL) constituting the Group. 2. The above unaudited consolidated financial results have been prepared in accordance with lnd AS 110 - Consolidated Financial Statements, prescribed under section 133 of the Companies Act, 2013 (the Act) read with the relevant rules issued thereunder and the other relevant provisions of the Act. 3. The above unaudited consolidated financial results of the Group have been prepared in accordance with and comply in all material aspects with the lndian Accounting Standards (Ind AS) as prescribed under section 133 of the Companies Act, 2013 (the Act) read with the Companies (Indian Accounting Standards) Rules, 2015 (as amended) and other accounting principles generally accepted in India and in compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. 4. The main business of the Group is to provide loans for purchase or construction of residential houses. All other activities of the Group revolve around the main business and accordingly there are no separate reportable segments, as per the Ind AS 108- Operating Segments. 5. Information as required by Regulation 52(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 is attached in Annexure I. 6. Pursuant to Regulations 54 of SEBI (Listing obligations and Disclosure Requirements) Regulations, 2015, all Secured Non-Convertible Debentures (NCDs) issued by the Group and outstanding as on June 30, 2026 are fully secured by way of charge on identified receivables of the company. Accordingly, the Group is maintaining asset cover of 1x or such higher asset cover required as per the terms of offer document. 7. During the previous year, the Company has modified the method of calculating Expected Credit Loss (ECL) as a result, the ECL provision as at June 30, 2025 has increased by Rs. 5,416 Lakh. The Company has also reclassified repossessed properties from Assets Held for Sale (AHS) to Loans at amortised cost in accordance with opinion issued by Expert Advisory Committee of ICAI. Consequently, AHS amounting to Rs. 16,889 Lakh has been included in Loans at amortised cost as on June 30, 2025 and one time reclassification increase in ECL provisioning amounting to Rs. 2,731 Lakh during the said quarter. 8. In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above consolidated financial results for the quarter ended June 30, 2026 have been reviewed by the Statutory Auditors of Company, reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at their respective meeting held on August 12, 2026. 9. The figures for the quarter ended March 31, 2026 are the balancing figures between audited figures in respect of the year ended March 31, 2026 and the reviewed figures in respect of nine months ended December 31, 2025.




Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Consolidated Consolidated
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
Total Segment Revenue
Less: Inter segment revenue
Revenue from operations
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
Total Profit before tax
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax
3 (Segment Asset - Segment Liabilities)
Segment Asset
Total Segment Asset
Un-allocable Assets
Net Segment Asset
4 Segment Liabilities
Segment Liabilities
Total Segment Liabilities
Un-allocable Liabilities
Net Segment Liabilities
Disclosure of notes on segments


Other Comprehensive Income

Amount in (Lakhs)

Particulars 3 months/ 6 month ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-04-2026 01-04-2026
B Date of end of reporting period 30-06-2026 30-06-2026
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Consolidated Consolidated
Other comprehensive income [Abstract]
1 Amount of items that will not be reclassified to profit and loss
1 Remeasurement Gain / (Loss) on defined benefit plan 10800000 10800000
2 Net Gain on equity instrument designated at FVTOCI 0 0
Total Amount of items that will not be reclassified to profit and loss 10800000 10800000
2 Income tax relating to items that will not be reclassified to profit or loss 27.00 27.00
3 Amount of items that will be reclassified to profit and loss
Total Amount of items that will be reclassified to profit and loss
4 Income tax relating to items that will be reclassified to profit or loss 0.00 0.00
5 Total Other comprehensive income 81.00 81.00