5116762025-04-012025-06-305116762025-04-012025-06-30in-capmkt:OtherRevenueFromOperations1Member5116762025-04-012025-06-30in-capmkt:OtherExpenses1Member5116762025-04-012025-06-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15116762025-04-012025-06-30ItemsThatWillNotBeReclassifiedToProfitAndLoss2iso4217:INRxbrli:pureiso4217:INRxbrli:shares511676GICHSGFINNOTLISTEDINE289B01019GIC Housing Finance LimitedMain BoardEquity2025-04-012026-03-312025-08-122025-07-07INRLakhsQuarterlyFirst quarterSingle segmentHOUSING FINANCE2025-08-1214:00:002025-08-1217:10:00Not applicablefalsefalseNo default on Loans and Debt Securities2025-04-012025-06-30UnauditedStandalone2623900000009900000000019800000265360000070000026543000000001795000001731200000254000000019000007797000001406000002858300000-2040000000-20400000090000000-367500000-27750000073500000000073500000170000075200000538500000101.361.36001.361.360.044Notes to Standalone Financial Results: <BR> <BR> 1. The above unaudited standalone financial results have been prepared in accordance with and comply in all material aspects with the Indian Accounting Standards ("Ind AS") as prescribed under Section 133 of the Companies Act, 2013 read with 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> 2. The main business of the Company is to provide loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business and accordingly there are no separate reportable segments, as per the Ind AS 108- Operating Segments. <BR> <BR> 3. There are no loans transferred / acquired during the quarter ended June 30, 2025 under the RBI Master direction on Transfer of Loan Exposure dated September 24, 2021. <BR> <BR> 4. Information as required by Regulation 52(4) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 is attached as Annexure I. <BR> <BR> 5. Pursuant to Regulations 54 of SEBI (Listing obligations and Disclosure Requirements) Regulations, 2015, all Secured Non-Convertible Debentures (NCDs) issued by the Company and outstanding as on June 30, 2025 are fully secured by way of charge on identified receivables of the company. Accordingly, the Company is maintaining asset cover of 1x or such higher asset cover required as per the terms of offer document. <BR> <BR> 6. During the quarter 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 quarter. <BR> <BR> 7. During the previous year ended March 31, 2025 the Company had 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 had been charged to the Statement of Profit and Loss as an exceptional item, considering the nature, frequency and materiality of the transaction. <BR> <BR> 8. In compliance with Regulation 33 and Regulation 52 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the above standalone financial results for the quarter ended June 30, 2025 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, 2025. <BR> <BR> 9. The figures for the quarter ended March 31, 2025 are the balancing figures between audited figures in respect of the year ended March 31, 2025 and the reviewed figures in respect of nine months ended December 31, 2024. <BR> <BR> 10. The figures for the previous periods / year have been regrouped / reclassified wherever necessary in order to make them comparable with figures for the quarter ended June 30, 2025. <BR> Other Operating Income19800000Other Expenses140600000Remeasurement Gain / (Loss) on defined benefit plan1200000Net Gain on equity instrument designated at FVTOCI110000023000006000001700000