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-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 16-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 26-Mar-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Consolidated
Whether results are audited or unaudited for the quarter ended Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Single segment
Description of single segment HOUSING FINANCE
Start date and time of board meeting 16-May-2025   14:00:00
End date and time of board meeting 16-May-2025   17:30:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion


Financial Results — NBFC
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Consolidated Consolidated
Part I Blue color marked fields are non-mandatory. For Consolidated Results, if the company has no figures for 3 months / 6 months ended, in such case zero shall be inserted in the said column.
1 Income
Revenue from operations
(i) Interest Income 2670300000 10492600000
(ii) Dividend Income 0 1500000
(iii) Rental Income 0 0
(iv) Fees and commission Income 13000000 54900000
(v) Net gain on fair value changes 0 0
(vi) Net gain on derecognition of financial instruments under amortised cost category 0 0
(vii) Sale of products (including Excise Duty) 0 0
(viii) Sale of services 0 0
(ix) Other revenue from operations
1 Other Operating Income 33400000 240100000
Total other revenue from operations 33400000 240100000
Total Revenue From Operations 2716700000 10789100000
Other income 41600000 100300000
Total income 2758300000 10889400000
2 Expenses
Cost of materials consumed 0 0
Purchases of stock-in-trade 0 0
Changes in inventories of finished goods, work-in-progress and stock-in-trade 0 0
Employee benefit expense 219600000 742600000
Finance costs 1735600000 7029600000
Depreciation, depletion and amortisation expense 38400000 150100000
Fees and commission expense 0 0
Net loss on fair value changes 0 0
Net loss on derecognition of financial instruments under amortised cost category 1000000 3100000
Impairment on financial instruments -73600000 165200000
(f) Other expenses
1 Other expenses 150500000 601200000
Total other expenses 150500000 601200000
Total expenses 2071500000 8691800000
3 Total profit before exceptional items and tax 686800000 2197600000
4 Exceptional items -130600000 -130600000
5 Total profit before tax 556200000 2067000000
7 Tax expense
8 Current tax 170300000 445800000
9 Deferred tax 33900000 17000000
10 Total tax expenses 204200000 462800000
11 Net Profit Loss for the period from continuing operations 352000000 1604200000
12 Profit (loss) from discontinued operations before tax 0 0
13 Tax expense of discontinued operations 0 0
17 Net profit (loss) from discontinued operation after tax 0 0
14 Share of profit (loss) of associates and joint ventures accounted for using equity method 0 0
15 Total profit (loss) for period 352000000 1604200000
16 Other comprehensive income net of taxes -2600000 -1800000
17 Total Comprehensive Income for the period 349400000 1602400000
18 Total profit or loss, attributable to
Profit or loss, attributable to owners of parent 352000000 1604200000
Total profit or loss, attributable to non-controlling interests 0 0
19 Total Comprehensive income for the period attributable to
Comprehensive income for the period attributable to owners of parent 349400000 1602400000
Total comprehensive income for the period attributable to owners of parent non-controlling interests 0 0
20 Details of equity share capital
Paid-up equity share capital 538500000 538500000
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 6.54 29.79
Diluted earnings per share from continuing operations 6.54 29.79
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 6.54 29.79
Diluted earnings per share 6.54 29.79
23 Debt equity ratio 0.0444 0.0444
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
25 Interest service coverage ratio


Text Block
Textual Information(1)


Cash flow statement, indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2024
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Consolidated
Part I Blue color marked fields are non-mandatory.
Statement of cash flows
Cash flows from used in operating activities
Profit before tax 2067000000
Adjustments for reconcile profit (loss)
Adjustments for finance costs 7029600000
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables, current 0
Adjustments for decrease (increase) in trade receivables, non-current 0
Adjustments for decrease (increase) in other current assets 0
Adjustments for decrease (increase) in other non-current assets 0
Adjustments for other financial assets, non-current -11500000
Adjustments for other financial assets, current 150400000
Adjustments for other bank balances -2600000
Adjustments for increase (decrease) in trade payables, current 7100000
Adjustments for increase (decrease) in trade payables, non-current 0
Adjustments for increase (decrease) in other current liabilities 96500000
Adjustments for increase (decrease) in other non-current liabilities 20100000
Adjustments for depreciation and amortisation expense 150100000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 165000000
Adjustments for provisions, current 0
Adjustments for provisions, non-current 0
Adjustments for other financial liabilities, current 0
Adjustments for other financial liabilities, non-current 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 1500000
Adjustments for interest income 10492600000
Adjustments for share-based payments 0
Adjustments for fair value losses (gains) 0
Adjustments for undistributed profits of associates 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 65900000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments for reconcile profit (loss) -2823500000
Net cash flows from (used in) operations -756500000
Dividends received 0
Interest paid 6932200000
Interest received 10474600000
Income taxes paid (refund) 426200000
Other inflows (outflows) of cash -2535000000
Net cash flows from (used in) operating activities -175300000
Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of property, plant and equipment 1500000
Purchase of property, plant and equipment 13400000
Proceeds from sales of investment property 0
Purchase of investment property 0
Proceeds from sales of intangible assets 0
Purchase of intangible assets 13100000
Proceeds from sales of intangible assets under development 0
Purchase of intangible assets under development 0
Proceeds from sales of goodwill 0
Purchase of goodwill 0
Proceeds from biological assets other than bearer plants 0
Purchase of biological assets other than bearer plants 0
Proceeds from government grants 0
Proceeds from sales of other long-term assets 0
Purchase of other long-term assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 1500000
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash -846700000
Net cash flows from (used in) investing activities -870200000
Cash flows from used in financing activities
Proceeds from changes in ownership interests in subsidiaries 0
Payments from changes in ownership interests in subsidiaries 0
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Payments to acquire or redeem entity's shares 0
Payments of other equity instruments 0
Proceeds from exercise of stock options 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 77874200000
Repayments of borrowings 76314700000
Payments of lease liabilities 92700000
Dividends paid 242300000
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities 1224500000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 179000000
Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 179000000
Cash and cash equivalents cash flow statement at beginning of period 358600000
Cash and cash equivalents cash flow statement at end of period 537600000




Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Consolidated
Assets
1 Finanical Asset
Cash and cash equivalents 537600000
Bank Balance other than (a) above 50600000
Derivative financial instruments 0
Receivables
(I) Trade Receivables 2300000
(II) Other Receivables 0
Loans 102123100000
Investments 2540400000
Other Financial assets 35000000
Total Financial Assets 105289000000
2 Non Financial Asset
Inventories 0
Current tax assets (Net) 38200000
Deferred tax Assets (Net) 725000000
Investment Property 0
Biological assets other than bearer plants 0
Property, Plant and Equipment 31200000
Capital work-in-progress 0
Intangible assets under development 113600000
Goodwill 0
Other Intangible assets 24400000
Other non-financial assets (to be specified) 1532400000
Total Non Financial Assets 2464800000
Total assets 107753800000
Equity and liabilities
1 Equity
Equity attributable to owners of parent
Equity share capital 538800000
Other equity 19109600000
Total equity attributable to owners of parent 19648400000
Non controlling interest 0
Total equity 19648400000
2 Liabilities
2.1 Financial Liabilities
(a) Derivative financial instruments 0
(b) Payables
(I)Trade Payables
(i) total outstanding dues of micro enterprises and small enterprises 12300000
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 101000000
II) Other Payables
(i) total outstanding dues of micro enterprises and small enterprises 0
(ii) total outstanding dues of creditors other than micro enterprises and small enterprises 0
(C ) Debt Securities 13541100000
(d) Borrowings (Other than Debt Securities) 73732000000
(e) Deposits 0
(f) Subordinated Liabilities 0
(g) Other financial liabilities 399000000
Total Financial Liabilities 87785400000
2.2 Non-Financial Liabilities
(a) Current tax liabilities (Net) 31500000
(b) Provisions 217400000
(C ) Deferred tax liabilities (Net) 0
(d) Other non-financial liabilities 71100000
Total Non Financial Liabilities 320000000
Total liabilities 88105400000
Total equity and liabilites 107753800000
Disclosure of notes on assets and liabilities


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether accounts are audited or unaudited Audited Audited
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
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-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
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 500000 -9200000
2 Net Gain on equity instrument designed at FVTOCL -4000000 6800000
Total Amount of items that will not be reclassified to profit and loss -3500000 -2400000
2 Income tax relating to items that will not be reclassified to profit or loss -900000 -600000
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
5 Total Other comprehensive income -2600000 -1800000




Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 M/s Chandabhoy & Jassoobhoy Yes 31-Oct-2026


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth


Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date