5116762025-01-012025-03-315116762025-03-315116762024-03-315116762024-04-012025-03-315116762025-01-012025-03-31in-capmkt:OtherRevenueFromOperations1Member5116762024-04-012025-03-31in-capmkt:OtherRevenueFromOperations1Member5116762025-01-012025-03-31in-capmkt:OtherExpenses1Member5116762024-04-012025-03-31in-capmkt:OtherExpenses1Member5116762025-01-012025-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss15116762025-01-012025-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss25116762024-04-012025-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss15116762024-04-012025-03-31ItemsThatWillNotBeReclassifiedToProfitAndLoss25116762025-01-012025-03-31AuditorDomain1iso4217:INRxbrli:pureiso4217:INRxbrli:shares511676GICHSGFINNOTLISTEDINE289B01019GIC Housing Finance LimitedMain BoardEquity2024-04-012025-03-312025-05-162025-03-26INRLakhsQuarterlyFourth quarterSingle segmentHOUSING FINANCE2025-05-1614:00:002025-05-1617:30:00trueCash Flow IndirectDeclaration of unmodified opinion2025-01-012025-03-31AuditedConsolidated267030000000130000000000334000002716700000416000002758300000000219600000173560000038400000001000000-736000001505000002071500000686800000-130600000556200000170300000339000002042000003520000000000352000000-260000034940000035200000003494000000538500000106.546.54006.546.540.0444 <BR> Notes to Consolidated Financial Results: <BR> <BR> 3.The above audited 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. <BR> <BR> 4.The above audited 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. <BR> <BR> 5.The Board of GIC Housing Finance Limited ("Company") has recommended a dividend of Rs. 4.50/- per equity share of Rs. 10/- each (45%) subject to approval of the members of the company at the forthcoming Annual General Meeting. <BR> <BR> 6.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. <BR> <BR> 7.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. <BR> <BR> 8.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 March 31, 2025 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. <BR> <BR> 9.During the year ended March 31, 2025 the Company has reviewed, assessed and written off the Loan Origination System (LOS) software, classified under intangible assets, with a carrying value of Rs. 1,306 lakh as at reporting date and in accordance with Ind AS 1 – Presentation of Financial Statements, the carrying value of the asset has been charged to the Statement of Profit and Loss as an exceptional item, considering the nature, frequency and materiality of the transaction. <BR> <BR> 10.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 and year ended March 31, 2025 have been audited 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 May 16, 2025. <BR> <BR> 11.Other Operating Income for the year ended March 31, 2025 includes Rs. 1,202.14 Lakh towards Bad debts recovery. <BR> <BR> 12.The figures for the quarter ended March 31, 2025 and March 31, 2024 are the balancing figures between audited figures in respect of the year ended March 31, 2025 and March 31 , 2024 and the reviewed figures in respect of nine months ended December 31, 2024 and December 31, 2023 respectively. <BR> <BR> 13.The figures for the previous periods / year have been regrouped / reclassified wherever necessary in order to make them comparable with figures for the quarter and year ended March 31, 2025. <BR> <BR> 2024-04-012025-03-31AuditedConsolidated10492600000150000005490000000002401000001078910000010030000010889400000000742600000702960000015010000000310000016520000060120000086918000002197600000-130600000206700000044580000017000000462800000160420000000001604200000-180000016024000001604200000016024000000538500000101910960000029.7929.790029.7929.790.0444Other Operating Income33400000Other Operating Income240100000Other expenses150500000Other expenses601200000537600000506000000230000001021231000002540400000350000001052890000000382000007250000000031200000011360000002440000015324000002464800000107753800000538800000191096000001964840000001964840000001230000010100000000135411000007373200000000399000000877854000003150000021740000007110000032000000088105400000107753800000Remeasurement Gain/(Loss) on defined benefit plan500000Net Gain on equity instrument designed at FVTOCL-4000000-3500000Remeasurement Gain/(Loss) on defined benefit plan-9200000Net Gain on equity instrument designed at FVTOCL6800000-2400000-900000-600000-2600000-1800000702960000000000-11500000150400000-26000007100000096500000201000001501000001650000000000015000001049260000000000659000000-2823500000-7565000000693220000010474600000426200000-2535000000-17530000000000000150000013400000000131000000000000000000150000000-846700000-8702000000000000077874200000763147000009270000024230000000012245000001790000000179000000358600000537600000AuditedtrueM/s Chandabhoy & Jassoobhoytrue2026-10-31