GIC Housing Finance Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2016 - 2020
Net Income	1,424	1,604	1,514	2,133	1,735	1,056	Upgrade
Depreciation & Amortization	129.7	150.1	150.2	99.4	87.1	44.8	Upgrade
Loss (Gain) From Sale of Investments	508	0.8	-27.3	-78.6	-17.5	-17.2	Upgrade
Provision for Credit Losses	161.8	161.8	182.3	174.2	1,182	1,850	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Operating	-4,593	-2,413	3,241	8,542	10,065	3,798	Upgrade
Change in Accounts Payable	-36.7	7.1	25.9	-30.2	37.1	-80.5	Upgrade
Change in Other Net Operating Assets	-43.9	252.9	162.8	-168.5	-90.9	-949.3	Upgrade
Other Operating Activities	-337.1	237.4	206.7	197.8	-6.9	-223	Upgrade
Operating Cash Flow	-1,720	-175.3	5,221	10,432	12,860	5,479	Upgrade
Operating Cash Flow Growth	-	-	-49.95%	-18.88%	134.72%	2427.12%	Upgrade
Capital Expenditures	-5.6	-13.4	-21.9	-14	-2.1	-4.2	Upgrade
Sale of Property, Plant & Equipment	1.1	1.5	0.6	0.3	1.3	0.1	Upgrade
Sale (Purchase) of Intangibles	-34.9	-13.1	-18.1	-46.3	-51.9	-152.8	Upgrade
Investment in Securities	-349.1	-846.7	673.1	-2,070	18.8	18.5	Upgrade
Other Investing Activities	1.5	1.5	1.3	1.3	1.3	-	Upgrade
Investing Cash Flow	-387	-870.2	635	-2,129	-32.6	-138.4	Upgrade
Long-Term Debt Issued	-	77,874	53,950	33,801	58,502	79,421	Upgrade
Total Debt Issued	95,752	77,874	53,950	33,801	58,502	79,421	Upgrade
Long-Term Debt Repaid	-	-76,407	-59,902	-45,943	-67,205	-84,893	Upgrade
Total Debt Repaid	-92,145	-76,407	-59,902	-45,943	-67,205	-84,893	Upgrade
Net Debt Issued (Repaid)	3,607	1,467	-5,952	-12,141	-8,702	-5,471	Upgrade
Common Dividends Paid	-242.3	-242.3	-242.3	-242.3	-215.4	-107.7	Upgrade
Financing Cash Flow	3,364	1,225	-6,194	-12,384	-8,918	-5,579	Upgrade
Net Cash Flow	1,258	179	-338.4	-4,081	3,909	-238.7	Upgrade
Free Cash Flow	-1,725	-188.7	5,199	10,418	12,858	5,475	Upgrade
Free Cash Flow Growth	-	-	-50.10%	-18.98%	134.86%	2500.76%	Upgrade
Free Cash Flow Margin	-57.49%	-5.62%	161.37%	265.74%	397.46%	248.16%	Upgrade
Free Cash Flow Per Share	-32.04	-3.50	96.54	193.45	238.76	101.66	Upgrade
Cash Interest Paid	7,162	6,932	7,024	7,004	6,990	8,229	Upgrade
Cash Income Tax Paid	396.2	426.2	398.6	635.2	695.5	504.5	Upgrade

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