5116762026-04-012026-06-305116762026-04-012026-06-30in-capmkt:OtherRevenueFromOperations1Member5116762026-04-012026-06-30in-capmkt:OtherExpenses1Member5116762026-04-012026-06-30ItemsThatWillNotBeReclassifiedToProfitAndLoss15116762026-04-012026-06-30ItemsThatWillNotBeReclassifiedToProfitAndLoss2iso4217:INRxbrli:pureiso4217:INRxbrli:shares511676GICHSGFINNOTLISTEDINE289B01019GIC HOUSING FINANCE LIMITEDMain BoardEquity2026-04-012027-03-312026-08-122026-07-31INRLakhsQuarterlyFirst quarterSingle segmentHousing Finance2026-08-1213:38:002026-08-1216:36:00Not applicable2026-04-012026-06-30UnauditedConsolidated26430000000098000000000148000002667600000610000026737000000002286000001729800000380000000045000003249000001705000002496300000177400000017740000086400000-9800000766000001008000000000100800000810000010890000010080000001089000000538500000101.871.87001.871.870.0429Notes to Consolidated Financial Results: <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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. <br /> <br /> 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.Not ApplicableNot applicableOther Operating Income14800000Other Expenses170500000Remeasurement Gain / (Loss) on defined benefit plan10800000Net Gain on equity instrument designated at FVTOCI010800000270000008100000