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HOUSING FINANCE LIMITEDMain BoardEquity2025-04-012026-03-312026-05-152026-04-10INRLakhsQuarterlyFourth quarterSingle segmentHousing Finance2026-05-1514:00:002026-05-1519:45:00trueCash Flow IndirectDeclaration of unmodified opiniontruetrueNANAfalsetrue2026-05-15https://www.gichfindia.com/pdf/2024-25/Policy%20on%20Related%20Party%20Transactions.pdffalsefalseNot applicable2026-01-012026-03-31AuditedStandalone26906000000016200000000020200000272700000074000002734400000000233400000168350000027800000004700000-4820000020050000021017000006327000000632700000101000000-4100000969000005358000000000535800000102100000637900000538500000109.959.95009.959.950.043Notes to Standalone Financial Results: <BR> 3. The above audited 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> 4. The Board has recommended a dividend of Rs. 4.5 per equity share of Rs. 10/- each (45%) subject to approval of the members of the company at the forthcoming Annual General Meeting. <BR> 5. 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> 6. Disclosure as required under RBI Circular No. RBI/2020-21/16 DOR.No.BP.BC/3/21.04.048/2020-21 dated August 6, 2020 pertaining to Resolution Framework for COVID-19 related Stress read with circular RBI/2021-22/31 DOR.STR.REC.11/21.04.048/2021-22 dated May 5, 2021 pertaining to Resolution Framework - 2.0 : <BR> Type of borrower <BR> (A) Exposure to Accounts classified as Standard consequent to a Implementation of resolution plan at September 30, 2025 <BR> (B) of ( A ) , aggregate debt that slipped Into NPA during the half year <BR> (C) of ( A ) , amount written off during the half year <BR> (D) of ( A ) , amount paid by the borrowers during the half year <BR> (E) Exposure to Accounts classified as Standard consequent to a Implementation of resolution plan - Position as at March 31, 2026 <BR> Type of borrower (A) (B) (C) (D) (E) <BR> Personal loan 2,225 34 - 148 2,043 <BR> Corporate persons - - - - - <BR> Of which , MSMES - - - - - <BR> Others - - - - - <BR> Total 2,225 34 - 148 2,043 <BR> 7. There are no loans transferred / acquired during the quarter and year ended March 31, 2026 under the Reserve Bank of India (Non-Banking Financial Companies -Transfer and Distribution of Credit Risk) Directions, 2025 - RBI/ DOR/2025-26/352, DOR.STR.REC.271/21.04.048/ 2025-26 dated November 28, 2025. <BR> <BR> 8. 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> 9. 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 March 31, 2026 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> 10. The Company has modified the method of calculating Expected Credit Loss (ECL) w.e.f April 01, 2025, 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. <BR> 11. 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> 12. On November 21, 2025, the Government of India notified the four Labour Codes - the Code on Wages, 2019, the Industrial Relations Code, 2020, the Code on Social Security, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 - consolidating twenty nine existing labour laws. The Company has assessed and there is no material impact of these changes on the basis of opinion obtained and the best information available. The Company continues to monitor the implementation of Central / State Rules and clarifications from the Government on other aspects of the Labour Code as needed. <BR> 13. 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 and year ended March 31, 2026 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 15, 2026. The Statutory Auditors have expressed an unmodified opinion. <BR> 14. The figures for the quarter ended March 31, 2026 and March 31, 2025 are the balancing figures between audited figures in respect of the year ended March 31, 2026 and March 31, 2025 and the reviewed figures in respect of nine months ended December 31, 2025 and December 31, 2024 respectively. <BR> 2025-04-012026-03-31AuditedStandalone106325000001500000054400000000013390000010822300000990000010832200000000833400000686990000010960000000131000006852000007333000009244500000158770000001587700000376000000-333200000428000001544900000000015449000001097000001654600000538500000102051760000028.6928.690028.6928.690.043Not applicableNot applicableOther Operating Income20200000Other Operating Income133900000Other expenses200500000Other expenses7333000003967000004340000005400000010828150000021082000004170000011087690000002580000010426000000027400000015630000001240000083970000021042000001129811000005388000002051760000021056400000210564000000186000001423000000019353400000711514000000091350000091579200000740000024660000009150000034550000091924700000112981100000Other financial assets41700000Right Of Use Assets653100000Other non-financial assets186600000Other financial liabilities230700000Lease Liabilities682800000Other Non Financial Liabilities91500000Remeasurement Gain/(Loss) on defined benefit plan8700000Net Gain on equity instrument designed at FVTOCL106400000115100000Remeasurement Gain/(Loss) on defined benefit plan700000Net Gain on equity instrument designed at FVTOCL124600000125300000130000001560000000102100000109700000686990000000000-3500000-554700000-1300000482000000588200000254000001096000006850000000000015000001063250000000000-558000000-2923000000-13353000000650110000010640100000378600000-5626700000-320160000000000000210000097000000004270000000000000000001500000005667000005179000000000000072336600000694436000001041000002423000000002546600000-1371000000-137100000533800000396700000GIC Housing Finance Limited******Shri Hitesh Rameshchandra Joshi******Non-Executive DirectorLoan250000000Omnibus approval27000017950001524000GIC Housing Finance Limited******Shri Sachindra Salvi******MD & CEORemuneration250000000Omnibus approval505200000GIC Housing Finance Limited******Smt. Varsha Godbole******Chief Financial OfficerRemuneration250000000Omnibus approval512600000GIC Housing Finance Limited******Smt. Nutan Singh******Company SecretaryRemuneration250000000Omnibus approval131300000GIC Housing Finance Limited******Smt. Nutan Singh******Company SecretaryLoan250000000Omnibus approval6900021470002078000GIC Housing Finance Limited******Smt. Nutan Singh******Company SecretaryLoan250000000Omnibus approval3500038780003844000GIC Housing Finance Limited******Shri T. Mariraja******Officer on deputation from Promoter CompanyRemuneration10000000000Omnibus approval437600000GIC Housing Finance Limited******Smt. Rani Singh Nair******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval42000000GIC Housing Finance Limited******Shri Vaijinath Gavarshetty******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval45000000GIC Housing Finance Limited******Shri Garimella Nanda Kishore******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval33000000GIC Housing Finance Limited******Shri Sathia Jeeva Krishnan Chidambara******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval36000000GIC Housing Finance Limited******Shri Damodharan Neelam******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval33000000GIC Housing Finance Limited******Shri Sunil Kakar******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval30000000GIC Housing Finance Limited******General Insurance Corporation of India (GIC-Re)******PromoterAny other transactionGIC-Re employees Housing Loan (Scheme)10000000000Omnibus approval69680000576244000645900000GIC Housing Finance Limited******The New India Assurance Co. Ltd.******PromoterAny other transactionInsurance Premium10000000000Omnibus approval365100000GIC Housing Finance Limited******National Insurance Co. Ltd.******PromoterAny other transactionRent Exp.10000000000Omnibus approval2307800000GIC Housing Finance Limited******United India Insurance Co. Ltd.******PromoterAny other transactionInsurance Premium10000000000Omnibus approval22200000GIC Housing Finance Limited******United India Insurance Co. Ltd.******PromoterAny other transactionHouse Building Advance (Employees Loan portfolio) of UIICL10000000000Omnibus approval39985000402216000362231000GIC Housing Finance Limited******GICHFL Financial Services Pvt. Ltd.******Wholly owned SubsidiaryAny other transactionReimbursment of Cost & Payment of Commission for business sourced250000000Omnibus approval5252900000GIC Housing Finance Limited******Shri A V Muralidharan******Director of wholly owned subsidiary of GIC Housing Finance Ltd.Any other transactionSitting Fees250000000Omnibus approval4000000GIC Housing Finance Limited******Shri Vaijinath Gavarshetty******Directors of wholly owned subsidiary of GIC Housing Finance Ltd.Any other transactionSitting Fees250000000Omnibus approval4000000GIC Housing Finance Limited******Smt. Suchita Gupta******Directors of wholly owned subsidiary of GIC Housing Finance Ltd.Any other transactionSitting Fees250000000Omnibus approval4000000GIC Housing Finance Limited******Shri Sachindra Salvi******MD & CEOAdvance250000000Omnibus approval3000000Advance012 MonthsSecuredAdvance is given as part of employee benefit scheme and it is recovered in 12 equal monthly installmentsGIC Housing Finance Limited******Shri T. Mariraja******Officer on deputation from Promoter CompanyAdvance10000000000Omnibus approval3000000Advance012 MonthsSecuredAdvance is given as part of employee benefit scheme and it is recovered in 12 equal monthly installmentsGIC Housing Finance Limited******Shri B. B. Phonde******Officer on deputation from Promoter CompanyRemuneration10000000000Omnibus approval516700000GIC Housing Finance Limited******Shri B. B. Phonde******Officer on deputation from Promoter CompanyAdvance10000000000Omnibus approval4500000Advance012 MonthsSecuredAdvance is given as part of employee benefit scheme and it is recovered in 12 equal monthly installmentsGIC Housing Finance Limited******Shri Dinesh Waghela******Independent DirectorAny other transactionSitting Fees250000000Omnibus approval36000000GIC Housing Finance Limited******National Insurance Co. Ltd.******PromoterAny other transactionInsurance Premium10000000000Omnibus approval1633300000GIC Housing Finance Limited******National Insurance Co. Ltd.******PromoterAny other transactionElectrcity10000000000Omnibus approval800000GIC Housing Finance Limited******United India Insurance Co. Ltd.******PromoterAny other transactionRent Exp.10000000000Omnibus approval24300000GIC Housing Finance Limited******The New India Assurance Co. Ltd.******PromoterAny other transactionLease Rent Amenities10000000000Omnibus approval20200000230114000AuditedtrueGokhale & Sathetrue2027-02-27