GIC Housing Finance Limited (NSE:GICHSGFIN)

GIC Housing Finance Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	10,594	10,494	10,429	10,988	11,355	12,185
Total Interest Expense	6,978	7,030	7,104	7,025	7,010	8,229
Net Interest Income	3,615	3,465	3,325	3,963	4,345	3,956
Commissions and Fees	52	54.9	51.6	52.9	52.8	20.5
Gain (Loss) on Sale of Investments	2.4	2.4	27.1	78.6	18.8	19
Other Revenue	0.6	0.6	0.4	0.2	-	61.2
Revenue Before Loan Losses	3,670	3,522	3,404	4,094	4,417	4,057
Provision for Loan Losses	669.6	161.8	182.3	174.2	1,182	1,851
Revenue	3,001	3,361	3,222	3,920	3,235	2,206
Revenue Growth (YoY)	-7.83%	4.32%	-17.82%	21.19%	46.63%	6.37%
Salaries & Employee Benefits	821	742.6	640	599.3	482	434.6
Cost of Services Provided	142.1	142.1	126.6	98.5	91.5	107.6
Other Operating Expenses	297.9	225.5	360.8	285.7	318.3	353.6
Total Operating Expenses	1,391	1,260	1,278	1,083	978.9	940.6
Operating Income	1,610	2,100	1,944	2,837	2,256	1,266
EBT Excluding Unusual Items	1,584	2,121	1,978	2,856	2,287	1,346
Other Unusual Items	-130.6	-130.6	-	-	-	-
Pretax Income	1,530	2,067	2,042	2,899	2,303	1,346
Income Tax Expense	106.8	462.8	528.1	766	568.3	289.8
Net Income	1,424	1,604	1,514	2,133	1,735	1,056
Net Income to Common	1,424	1,604	1,514	2,133	1,735	1,056
Net Income Growth	-13.63%	5.99%	-29.03%	22.90%	64.35%	131.46%
Shares Outstanding (Basic)	54	54	54	54	54	54
Shares Outstanding (Diluted)	54	54	54	54	54	54
EPS (Basic)	26.44	29.79	28.11	39.60	32.22	19.60
EPS (Diluted)	26.44	29.79	28.11	39.60	32.22	19.60
EPS Growth	-13.61%	5.99%	-29.03%	22.91%	64.39%	131.41%
Free Cash Flow	-1,725	-188.7	5,199	10,418	12,858	5,475
Free Cash Flow Per Share	-32.04	-3.50	96.54	193.45	238.76	101.66
Dividend Per Share	-	4.500	4.500	4.500	4.500	4.000
Dividend Growth	-	-	-	-	12.50%	100.00%
Operating Margin	53.66%	62.50%	60.34%	72.38%	69.74%	57.36%
Profit Margin	47.44%	47.74%	46.98%	54.40%	53.64%	47.85%
Free Cash Flow Margin	-57.49%	-5.62%	161.37%	265.74%	397.46%	248.16%
Effective Tax Rate	6.98%	22.39%	25.87%	26.43%	24.67%	21.54%
Revenue as Reported	10,832	10,889	10,697	11,289	11,564	12,403

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.