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NSE Close — 25 Sep 2026
₹137.32
Change
-0.64 (-0.46%)
Open
₹138.94
Prev. Close
₹137.96
Day High
₹138.94
Day Low
₹136.6
Volume Analysis
Traded
36,885
Delivered
20,212
Delivery %
54.8%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (3)
- •High debt-to-equity ratio (4.33)
- •Low return on equity (7.61%)
- •Below-average fundamentals quality score (36/100)
Opportunities (0)
No signal for this stock
Threats (1)
- •FII holding has been falling
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹140.98 | ₹139.96 | ₹138.64 | ₹137.62 | ₹136.3 | ₹135.28 | ₹133.96 |
| Fibonacci | ₹139.96 | ₹139.07 | ₹138.51 | ₹137.62 | ₹136.73 | ₹136.17 | ₹135.28 |
| Camarilla | ₹137.96 | ₹137.75 | ₹137.53 | ₹137.62 | ₹137.11 | ₹136.89 | ₹136.68 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-22.87%
1 Week
-1.41%
1 Month
-2.63%
3 Months
-9.93%
6 Months
-1.43%
1 Year
-21.62%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹502.92
Current price is at or below the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹748 Cr
P/E (TTM)
4.75
ROE
7.61%
Book Value
₹391.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 24 Sep 2026. Not investment advice.
TopFund Analysis
Gic Housing Finance Ltd scores weakly on TopFund's composite fundamentals check within the Financial Services sector, at 36/100. The strongest factor is Corporate Governance (83/100), while Growth (0/100) is the weakest area to weigh before deciding. Notably: High debt-to-equity ratio (4.33); low return on equity (7.61%). FII holding has been falling.
TopFund Score — Fundamentals Quality
36/100 — WeakData confidence: 71/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Stock is trading at 0.35 times its book value
- +Stock is providing a good dividend yield of 3.24%.
- −Company has low interest coverage ratio.
- −Company has a low return on equity of 8.18% over last 3 years.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
KID uploaded for ₹200 crore NCD Series 12 Tranche 2; 8.15% coupon, maturity December 19, 2029.
CRISIL reaffirmed AA+/A1+ ratings; enhanced NCD limit to Rs.500 crore.
Copy of Newspaper Publication for Postal Ballot Notice
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 268 | 268 | 261 | 260 | 274 | 264 | 269 | 272 | 265 | 272 | 273 | 273 | 267 |
| Expenses + | 42 | 47 | 41 | 10 | 53 | 37 | 31 | 30 | 110 | 35 | 42 | 39 | 73 |
| Financing Profit | 43 | 42 | 44 | 78 | 47 | 50 | 59 | 68 | -18 | 64 | 58 | 65 | 21 |
| Financing Margin % | 16.0% | 16.0% | 17.0% | 30.0% | 17.0% | 19.0% | 22.0% | 25.0% | -7.0% | 24.0% | 21.0% | 24.0% | 8.0% |
| Other Income + | 3 | 3 | 2 | 6 | 3 | 2 | 1 | -9 | 0 | 0 | 0 | 1 | 1 |
| Interest | 183 | 179 | 176 | 172 | 174 | 177 | 179 | 174 | 173 | 173 | 173 | 168 | 173 |
| Depreciation | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 |
| Profit before tax | 42 | 41 | 42 | 79 | 47 | 48 | 56 | 56 | -20 | 61 | 55 | 63 | 18 |
| Tax % | 24.0% | 26.0% | 16.0% | 32.0% | 17.0% | 23.0% | 12.0% | 37.0% | -137.0% | 18.0% | 20.0% | 15.0% | 43.0% |
| Net Profit + | 32 | 30 | 36 | 54 | 39 | 37 | 50 | 35 | 7 | 50 | 44 | 54 | 10 |
| EPS in Rs | 6 | 6 | 7 | 10 | 7 | 7 | 9 | 7 | 1 | 9 | 8 | 10 | 2 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| Revenue + | 1,152 | 1,123 | 1,060 | 1,079 | 1,083 | 1,084 |
| Expenses + | 216 | 126 | 140 | 151 | 226 | 189 |
| Financing Profit | 234 | 294 | 209 | 225 | 169 | 208 |
| Financing Margin % | 20.0% | 26.0% | 20.0% | 21.0% | 16.0% | 19.0% |
| Other Income + | 5 | 6 | 10 | -3 | 1 | 2 |
| Interest | 702 | 703 | 711 | 703 | 687 | 687 |
| Depreciation | 9 | 10 | 15 | 15 | 11 | 12 |
| Profit before tax | 230 | 290 | 204 | 207 | 159 | 197 |
| Tax % | 25.0% | 26.0% | 26.0% | 22.0% | 3.0% | — |
| Net Profit + | 174 | 213 | 151 | 160 | 155 | 157 |
| EPS in Rs | 32 | 40 | 28 | 30 | 29 | 29 |
| Dividend Payout % | 14.0% | 11.0% | 16.0% | 15.0% | 16.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Reserves | 1,457 | 1,645 | 1,775 | 1,911 | 2,053 |
| Other Liabilities + | 53 | 53 | 57 | 60 | 74 |
| Total Liabilities | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
| Fixed Assets + | 20 | 52 | 44 | 27 | 69 |
| CWIP | 29 | 9 | 10 | 11 | 16 |
| Investments | 14 | 229 | 168 | 254 | 210 |
| Other Assets + | 11,865 | 10,630 | 10,248 | 10,483 | 11,004 |
| Total Assets | 11,929 | 10,920 | 10,471 | 10,775 | 11,299 |
| Borrowing | 10,365 | 9,168 | 8,584 | 8,751 | 9,119 |
| Equity Capital | 54 | 54 | 54 | 54 | 54 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Cash from Operating Activity + | 1,286 | 1,043 | 522 | -18 | -320 |
| Cash from Investing Activity + | -3 | -213 | 64 | -87 | 52 |
| Cash from Financing Activity + | -892 | -1,238 | -619 | 122 | 255 |
| Net Cash Flow | 391 | -408 | -34 | 18 | -14 |
| CFO/OP | 145 | 111 | 61 | 3 | -33 |
| Free Cash Flow | 1,281 | 1,037 | 518 | -20 | -325 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 47.63% | 48.4% | 48.52% | 49.04% | 48.79% | 49.24% | 49.52% | 49.39% | 49.92% | 50.46% | 51.18% | 53.65% |
| Promoters | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% | 42.41% |
| FII | 3.62% | 3.28% | 3.18% | 2.64% | 2.91% | 2.46% | 2.18% | 2.67% | 2.16% | 2.08% | 1.81% | 1.4% |
| DII | 6.34% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.89% | 5.51% | 5.51% | 5.05% | 4.59% | 2.53% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Gic Housing Finance Ltd (this stock) | 748 | 4.75 | 0.36 | 7.61% |
| Vls Finance Ltd | 752 | 16.1 | 0.36 | 0.95% |
| Emkay Global Fin Serv Ltd | 756 | 38.7 | 1.87 | 4.52% |
| Yogi Ltd. | 725 | 55.5 | 5.09 | 16.7% |
| Aryaman Financial Serv L | 780 | 26.3 | 4.66 | 20.4% |
| Aditya Birla Money Ltd | 671 | 70.4 | 40.75 | 26.0% |
| Max India Limited | 836 | — | 1.9 | -32.8% |
Which Mutual Funds Hold Gic Housing Finance Ltd?
Frequently Asked Questions about Gic Housing Finance Ltd
Gic Housing Finance Ltd (GICHSGFIN) closed at ₹137.32 on NSE on 25 September 2026, down 0.64 (0.46%) from the previous close.
Gic Housing Finance Ltd trades on the NSE (National Stock Exchange of India) under the symbol GICHSGFIN.
Gic Housing Finance Ltd has a trailing twelve-month P/E (price-to-earnings) ratio of 4.75.
Gic Housing Finance Ltd has a dividend yield of 3.24%.
Gic Housing Finance Ltd's 52-week high is ₹184.0 and its 52-week low is ₹130.0.
Gic Housing Finance Ltd has a market capitalisation of ₹748 crore.
Gic Housing Finance Ltd has a TopFund Quality Score of 36/100 (Weak), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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