GIC Housing Finance Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	10,634	10,494	10,429	10,988	11,355
Total Interest Expense	6,870	7,030	7,104	7,025	7,010
Net Interest Income	3,764	3,465	3,325	3,963	4,345
Commissions and Fees	54.4	54.9	51.6	52.9	52.8
Gain (Loss) on Sale of Investments	-	2.4	27.1	78.6	18.8
Other Revenue	144.5	0.6	0.4	0.2	-
Revenue Before Loan Losses	3,963	3,522	3,404	4,094	4,417
Provision for Loan Losses	-	161.8	182.3	174.2	1,182
Revenue	3,963	3,361	3,222	3,920	3,235
Revenue Growth (YoY)	17.93%	4.32%	-17.82%	21.19%	46.63%
Salaries & Employee Benefits	903.5	742.6	640	599.3	482
Cost of Services Provided	-	142.1	126.6	98.5	91.5
Other Operating Expenses	1,358	225.5	360.8	285.7	318.3
Total Operating Expenses	2,371	1,260	1,278	1,083	978.9
Operating Income	1,592	2,100	1,944	2,837	2,256
EBT Excluding Unusual Items	1,592	2,121	1,978	2,856	2,287
Other Unusual Items	-	-130.6	-	-	-
Pretax Income	1,592	2,067	2,042	2,899	2,303
Income Tax Expense	43.9	462.8	528.1	766	568.3
Net Income	1,548	1,604	1,514	2,133	1,735
Net Income to Common	1,548	1,604	1,514	2,133	1,735
Net Income Growth	-3.49%	5.99%	-29.03%	22.90%	64.35%
Shares Outstanding (Basic)	54	54	54	54	54
Shares Outstanding (Diluted)	54	54	54	54	54
Shares Change (YoY)	-0.00%	-	-	-	-
EPS (Basic)	28.75	29.79	28.11	39.60	32.22
EPS (Diluted)	28.75	29.79	28.11	39.60	32.22
EPS Growth	-3.49%	5.99%	-29.03%	22.91%	64.39%
Free Cash Flow	-3,211	-188.7	5,199	10,418	12,858
Free Cash Flow Per Share	-59.63	-3.50	96.54	193.45	238.76
Dividend Per Share	-	4.500	4.500	4.500	4.500
Dividend Growth	-	-	-	-	12.50%
Operating Margin	40.17%	62.50%	60.34%	72.38%	69.74%
Profit Margin	39.07%	47.74%	46.98%	54.40%	53.64%
Free Cash Flow Margin	-81.03%	-5.62%	161.37%	265.74%	397.46%
Effective Tax Rate	2.76%	22.39%	25.87%	26.43%	24.67%
Revenue as Reported	10,833	10,889	10,697	11,289	11,564

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.