Gic Housing Finance Limited · NSE:GICHSGFIN
Gic Housing Finance — Investor Presentation (January 2026)
27 slides from Gic Housing Finance's investor presentation, Jan 16, 2026
Slide 1: Presentation for Investors Meet (cover letter to NSE)
GIC HOUSING FINANCE -- --------------------- LTD. -- ----- -- 1f.1(--- ~~- GICHFL/SEC/2025-26 16th January 2026 To, National Stock Exchange of India Limited, 'Exchange Plaza', C-1, Block G, Bandra-Kurla Complex, Sandra (E), Mumbai - 400 051 Scrip Code: GICHSGFIN Dear Sir/Madam, Sub.: Presentation fo
Slide 2: GIC Housing Finance Ltd. - Your Road to a Dream Home
GIC HOUSING FINANCE LTD. YOUR ROAD TO A DREAM HOME 1
Slide 3: About Us
ABOUT US • Company was incorporated in the year 1989 with the name “GIC GRIH VITTA LIMITED” • In 1993 got its present name “GIC Housing Finance Limited”. • It started its operations at 8 locations (1989-91) and as of September 2025 it has expanded across 84 locations in India with headquarters at Mu
Slide 4: Key Pointers
KEY POINTERS Rs. in Crs Half Year Half Year Year Ended on Year Ended on Variance Variance Particulars Ended on Ended on March 25 March 24 % % Sep 25 Sep 24 AUM (Gross) 10497 10283 2.08 10870 10376 4.76 TOTAL REVENUE 1089 1070 1.78 537 543 (1.10) TOTAL EXPENSES 870 866 0.46 496 448 10.71 EXCEPTIONA
Slide 5: Financial Snapshots
FINANCIAL SNAPSHOTS Rs. in Crs Contents Half Year Half Year Year Ended Year Ended Ended Ended Particulars on on Variance % Variance % on on Mar 25 Mar 24 Sep 25 Sep 24 Interest Income 1049 1043 1 527 517 2 Fees & Commission Income 5 5 - 3 3 - Other Operating Income 24 9 167 7 18 (61) Other Income 1
Slide 6: Financial Snapshots - Profit / (Loss) for the period
FINANCIAL SNAPSHOTS Contents Rs. in Cr Year Ended Year Ended Half Year Ended Half Year Ended Variance Variance Particulars on on on on % % Mar 25 Mar 24 Sep 25 Sep 24 Profit Before Exceptional 219 204 7 41 95 (57) Item Exceptional Item (LOS 13 - - - - - Software W/o) Profit Before Tax 206 204 1 41
Slide 7: Cost of Borrowed Funds
COST OF BORROWED FUNDS Rs. in Crs Contents Particulars Mar 25 March 24 Variance (%) Sep 25 Sep 24 Variance (%) BORROWING PORTFOLIO 8727 8563 1.92 8999 8648 4.06 YIELD ON ADVANCES (%) 9.95 9.82 1.32 9.72 9.87 (1.52) COST OF BORROWED FUNDS (%) 8.22 8.14 0.98 7.97 8.24 (3.28) NET INTEREST SPREAD 1.73
Slide 8: NPA Status
NPA STATUS Rs. in Crs As on As on As on As on Particulars Contents March 25 March 24 Sep 25 Sep 24 Portfolio as per IND AS (Gross) 10497 10283 10870 10376 ECL Cumulative Provision 285 298 418 315 Portfolio as per IND AS (Net) 10212 9985 10452 10061 Impairment of Financial Instrument 17 18 76 25 (f
Slide 9: Financial Ratios
FINANCIAL RATIOS FINANCIAL RATIOS As On As On As On As On Particulars March 25 March 24 Sep 25 Sep 24 DEBT EQUITY RATIO (In Times) 4.44 4.68 4.50 4.60 BOOK VALUE PER SHARE (Rs.) 364.78 339.57 370.94 349.15 EARNING PER SHARE (Rs.) 29.74 28.07 10.64 14.01 CAPITAL ADEQUECY RATIO (%) 34.92 33.56 34.56
Slide 10: Treasury Functions
TREASURY FUNCTIONS Fund Raising /Cash Flow Management /Banking / Debt Investments Fund Raising from Banks and Capital Market Cashflow Management Asset Liability Management Bank Relationship Liasoning with Credit Rating Agency Investments – Mainly towards LCR requirement in High Quality Li
Slide 11: Fund Raising
FUND RAISING Purpose is for onward lending for Housing and Refinance From Bank by way of : • Long Term Loans(Secured) • Short Term Loan / Line of Credit (Unsecured) From Capital Market (Institutions/ MFs/ Insurance co) • Non-Convertible Debentures(Secured) for medium/long-term requirements • C
Slide 12: Credit Ratings
CREDIT RATINGS Bank Loans, NCDs, CPs need to be rated by the approved Rating Agencies GICHFL has the following ratings for its Bank Loans, NCDs, and CPs from CRISIL and ICRA Credit Ratings- ICRA Credit Ratings- CRISIL Commercial Paper of ₹ 1500 Cr.(Rating) [ICRA] A1 + Commercial Paper of ₹1500 C
Slide 13: Borrowing Portfolio Bifurcation
BORROWING PORTFOLIO BIFURCATION Rs. in Crs Borrowing Portfolio As on % to total As on % to total Variance (%) March Contents 25 March 25 Sept 25 Sept 25 Long Term Loans from Banks 6260 72 6547 73 5 Short Term Loans from Banks 763 9 544 6 (29) Commercial Paper 737 8 656 7 (11) Non Convertible Debent
Slide 14: Your Road to a Dream Home
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Slide 15: Disbursement Highlights
DISBURSEMENT HIGHLIGHTS Strong Half-Year Performance Contents H1 FY 2025 ₹851 Crores Disbursements H1 FY 2026 ₹1,023 Crores Disbursements 20% Growth GIC Housing Finance Ltd. demonstrates robust growth, with half-yearly disbursements increasing significantly, reflecting our strategic market penetrat
Slide 16: Quarterly Review: Accelerated Quarterly Momentum
QUARTERLY REVIEW Accelerated Quarterly Momentum 1 Q1 FY 2026 ₹403 Crores Disbursements 2 Q2 FY 2026 ₹620 Crores Disbursements 54% QoQ Jump The second quarter of FY 2026 witnessed an exceptional surge in disbursements, highlighting our accelerating operational rhythm and growing market demand. This
Slide 17: Historical Disbursement Trends
PERFORMANCE ANALYSIS Historical Disbursement Trends (in ₹ Crores) Our historical disbursement data showcases a consistent upward trajectory, reflecting sustained growth and increasing market confidence in GIC Housing Finance Ltd. The significant jump in FY 2024-25 underscores our growing dominance
Slide 18: Strategic Branch Activation
ETWORK EXPANSION Strategic Branch Activation 3 Branches in NCR 3 Branches in Hyderabad 3 Branches in Bangalore 2 Branches in MMR 1 Branch in ROW In July 2025, GIC Housing Finance strategically activated 12 new branches across key urban centers. This expansion strengthens our presence in high-poten
Slide 19: Optimized Sourcing Strategy
OPERATIONAL EXCELLENCE Optimized Sourcing Strategy Digital Leads GICHFL Financial Services Pvt Ltd Leveraging online platforms for broader reach. Wholly owned subsidiary for quality sourcing. Direct Marketing Targeted campaigns for direct customer engagement. Referrals Capitalizing on satisfied cu
Slide 20: Increasing Ticket Size
LOAN PORTFOLIO Increasing Ticket Size FY25 Average ₹27.50 Lakhs H1 FY26 Average ₹31.50 Lakhs GIC Housing Finance has successfully increased its average ticket size, reflecting a shift towards higher-value loan disbursements. This positive trend indicates growing customer trust and our ability to c
Slide 21: Robust Growth Trajectory
FUTURE OUTLOOK Robust Growth Trajectory Market Penetration Expand reach in underserved and emerging markets across India. Digital Transformation Invest in technology to streamline operations and enhance customer experience. Product Innovation Develop tailored financial products to meet evolving cu
Slide 22: Summarizing Our Success
KEY TAKEWAYS Summarizing Our Success 1 Significant Disbursement Growth Achieved a 20% increase in H1 FY26 over H1 FY25, reaching ₹1,023 Crores. 2 Impressive Quarterly Performance Witnessed a 54% QoQ jump in Q2 FY26, with disbursements totaling ₹620 Crores. 3 Strategic Expansion Initiatives Success
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Slide 24: Bucket X Performance
Bucket X Performance Bucket X Performance from April 25 to Sep 25 Bucket X For The Month Resolution% Apr-25 98.80% May-25 99.30% Jun-25 99.05% Jul-25 99.15% Aug-25 99.03% Sep-25 99.25% Average of 6 months 99.10% Bucket X Average 6 months Performance (from April 25 to Sep 25) is 99.10% HO Collection
Slide 25: NPA trend for past 4 years
NPA trend for past 4 years Particulars 2021-22 2022-23 2023-24 2024-25 2025-26 (Reported as per Q4 Q4 Q4 Q4 Q1 Q2 Annual Report) GROSS NPA 1007.5 498 399 318 507 491 GROSS NPA% 8.6 4.68 3.88 3.03 4.74 4.52 NET NPA 634.43 345 274 203 223 211 NET NPA% 5.59 3.29 2.69 1.96 2.14 1.99 • There has been a c
Slide 26: Collection Strategy adopted
,·r.-·( Collection Strategy adopted ,.....,_ GIC HOUSING FINANCE LTD. YOUR ROAD TO A DREAM HOME • A new Board Approve OTS/Compromise settlement policy is in place which is in sync with recent RBI Circular on compromise settlement. This will assist drop in Gross NPA figures. • Control of Bucket X & R
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