GIC Housing Finance cash flow

Latest FY26

Cash from operations: −₹320cr−₹17.5 cr in FY25
Cash from investing: ₹51.7cr−₹87.0 cr in FY25
Cash from financing: ₹255cr+108.0% on FY25
Capital spending: ₹5.3cr+100.0% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Jun 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	11.0	15.0	15.0	0.0
	—	68.5	16.5	18.2	0.0
	—	687	703	710	0.0
	—	−1,063	−1,049	−1,043	0.0
	—	−0.2	−0.2	−0.1	0.0
	—	−5.6	6.6	−8.4	0.0
	—	−55.5	15.0	−4.3	0.0
	—	−0.7	−1.2	−0.0	0.0
	—	−0.1	−0.3	15.1	0.0
	—	5.0	0.7	2.6	0.0
	—	58.8	9.7	1.1	0.0
	—	2.5	2.0	4.4	0.0
Cash from operating activities
	197	159	207	204	290
	—	−293	−282	−289	0.0
	—	−133	−75.7	−84.6	290
	—	1,064	1,047	1,043	0.0
	—	650	693	702	0.0
	—	−563	−254	306	0.0
	—	38.0	42.6	39.9	0.0
	—	−320	−17.5	522	290
Cash from investing activities
	—	1.0	1.3	2.2	0.0
	—	4.3	1.3	1.8	0.0
	—	0.2	0.2	0.1	0.0
	—	0.2	0.2	0.1	0.0
	—	56.7	−84.7	67.3	0.0
	—	51.7	−87.0	63.5	0.0
Cash from financing activities
	—	7,234	7,787	5,395	0.0
	—	6,944	7,631	5,981	0.0
	—	10.4	9.3	9.4	0.0
	—	24.2	24.2	24.2	0.0
	—	255	122	−619	0.0
	—	−13.7	17.9	−33.8	290
	—	−13.7	17.9	−33.8	290
	—	—	—	35.9	290
Reference items
	—	−325	−20.2	518	290
	—	−2.2	144	−61.4	—
	—	−₹60.43	−₹3.75	₹96.20	₹53.83
	—	−2.07×	−0.11×	3.45×	1.36×
	—	38.0	42.6	39.9	0.0
	—	650	693	702	—

Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

GICHSGFIN₹122.43

GIC Housing Finance Limited

· Banking & Finance

₹ CrorePeersSRGHFL REPCOHOMEMcap ₹659 Cr

View

In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	0.0	15.0	15.0	11.0	—
+ Impairment Loss / (Reversal)	0.0	18.2	16.5	68.5	—
+ Finance Costs	0.0	710.4	703.0	687.0	—
+ Interest Income	0.0	-1,042.7	-1,049.3	-1,063.3	—
+ Dividend Income	0.0	-0.1	-0.2	-0.2	—
+ Other Non-cash Items	0.0	-8.4	6.6	-5.6	—
Changes in Working Capital
+ Other Financial Assets — Current	0.0	-4.3	15.0	-55.5	—
+ Other Financial Assets — Non-current	0.0	-0.0	-1.2	-0.7	—
+ Other Bank Balances	0.0	15.1	-0.3	-0.1	—
+ Trade Payables — Current	0.0	2.6	0.7	5.0	—
+ Other Current Liabilities	0.0	1.1	9.7	58.8	—
+ Other Non-current Liabilities	0.0	4.4	2.0	2.5	—
Cash from Operating Activities
Profit Before Tax (per I/S)	289.9	204.2	206.7	159.2	197.3
+ Total Adjustments (incl. Working Capital)	0.0	-288.8	-282.4	-292.5	—
Cash from Operations (pre-tax)	289.9	-84.6	-75.7	-133.3	—
+ Interest Received — Operating	0.0	1,043.2	1,047.5	1,064.0	—
+ Interest Paid — Operating	0.0	702.4	693.2	650.1	—
+ Other Inflows / (Outflows) — Operating	0.0	305.7	-253.5	-562.7	—
+ Income Taxes Paid	0.0	39.9	42.6	38.0	—
Cash from Operating Activities	289.9	522.1	-17.5	-320.1	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	0.0	2.2	1.3	1.0	—
+ Acq of Intangible Assets	0.0	1.8	1.3	4.3	—
+ Disp of Fixed Assets	0.0	0.1	0.2	0.2	—
+ Dividends Received — Investing	0.0	0.1	0.2	0.2	—
+ Other Inflows / (Outflows) — Investing	0.0	67.3	-84.7	56.7	—
Cash from Investing Activities	0.0	63.5	-87.0	51.7	—
Cash from Financing Activities
+ Proceeds from Borrowings	0.0	5,395.0	7,787.4	7,233.7	—
+ Repayment of Borrowings	0.0	5,980.8	7,631.5	6,944.4	—
+ Payment of Lease Liabilities	0.0	9.4	9.3	10.4	—
+ Dividends Paid	0.0	24.2	24.2	24.2	—
Cash from Financing Activities	0.0	-619.4	122.5	254.7	—
Net Changes in Cash (pre-FX)	289.9	-33.8	17.9	-13.7	—
Net Changes in Cash	289.9	-33.8	17.9	-13.7	—
Closing Cash	289.9	35.9	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	289.9	518.1	-20.2	-325.4	—
Free Cash Flow to Equity	—	-61.4	143.8	-2.2	—
Free Cash Flow per Basic Share	53.83	96.20	-3.75	-60.43	—
Cash Flow to Net Income	1.36	3.45	-0.11	-2.07	—
Cash Paid for Taxes	0.0	39.9	42.6	38.0	—
Cash Paid for Interest	—	702.4	693.2	650.1	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.