GIC Housing Finance Ltd

GIC Housing Finance FY2025 Financial Highlights 📊

• Paid Up Share Capital: ₹53.88 crore

• Reserves & Surplus: ₹1910.53 crore

• Net Profit: ₹160.17 crore

• Gross Advances: ₹10497.34 crore

• Total comprehensive income: ₹15,999 lakh

• Net Profit Margin: 12.72%

• Capital adequacy ratio: 33.6% (regulatory requirement is 15%)

• Stage 3 loans ratio: 3.03% with 36.07% provision coverage

• Total debt to total assets ratio: 81.21%

• Maintains 71 branches, corporate office, 4 hubs, and 5 satellite offices

• Board recommended dividend of ₹4.5 per equity share (45%) for FY 2024-25

• Asset quality improved with gross NPAs reducing from 3.88% (March 2024) to 3.03% (March 2025)

• Strong liquidity with unutilised bank lines of ₹1,047 crore

• Parent company General Insurance Corporation of India holds 42.41% stake