GIC Housing Finance profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

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

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	7.6%	7.6%	8.5%	8.6%	12.6%
	1.4%	1.4%	1.5%	1.4%	1.9%
	3.4%	3.4%	3.3%	3.1%	3.5%
	42.2%	42.2%	38.7%	38.1%	27.9%
	0.7%	0.7%	0.2%	0.2%	0.2%
	14.5%	14.3%	14.9%	14.3%	19.1%
Leverage
	5.36×	5.36×	5.48×	5.73×	6.43×
	4.30×	4.30×	4.44×	4.68×	5.38×
Additional
	20.2%	2.8%	22.4%	25.9%	26.4%
	—	15.7%	15.1%	16.0%	0.0%

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

alphave

GICHSGFIN₹125.95

GIC Housing Finance Limited

· Banking & Finance

₹ CrorePeersSRGHFL REPCOHOMEMcap ₹678 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/06/2026
Returns
Return on Common Equity	12.55	8.58	8.46	7.61	7.61
Return on Assets	1.87	1.42	1.51	1.40	1.40
Margins & Efficiency
Net Interest Margin (on avg assets)	3.47	3.11	3.26	3.41	3.41
Cost to Income	27.91	38.07	38.70	42.21	42.21
Credit Cost (impairment / avg loans)	0.16	0.18	0.16	0.65	0.65
Net Income Margin	19.13	14.32	14.87	14.31	14.53
Leverage
Leverage (Assets/Equity)	6.43	5.73	5.48	5.36	5.36
Total Debt/Equity	5.38	4.68	4.44	4.30	4.30
Additional
Effective Tax Rate	26.43	25.87	22.39	2.76	20.17
Dvd Payout Ratio	0.00	16.01	15.10	15.65	—

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%.