GIC Housing Finance Cash Flow Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	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	1,604	1,514	2,133	1,735	1,056	Upgrade
Depreciation & Amortization	150.1	150.2	99.4	87.1	44.8	Upgrade
Loss (Gain) From Sale of Investments	162.6	-27.3	-78.6	-17.5	-17.2	Upgrade
Provision for Credit Losses	-	182.3	174.2	1,182	1,850	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2,413	3,241	8,542	10,065	3,798	Upgrade
Change in Accounts Payable	7.1	25.9	-30.2	37.1	-80.5	Upgrade
Change in Other Net Operating Assets	252.9	162.8	-168.5	-90.9	-949.3	Upgrade
Other Operating Activities	237.4	206.7	197.8	-6.9	-223	Upgrade
Operating Cash Flow	-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	-13.4	-21.9	-14	-2.1	-4.2	Upgrade
Sale of Property, Plant & Equipment	1.5	0.6	0.3	1.3	0.1	Upgrade
Sale (Purchase) of Intangibles	-13.1	-18.1	-46.3	-51.9	-152.8	Upgrade
Investment in Securities	-846.7	673.1	-2,070	18.8	18.5	Upgrade
Other Investing Activities	1.5	1.3	1.3	1.3	-	Upgrade
Investing Cash Flow	-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	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	-76,407	-59,902	-45,943	-67,205	-84,893	Upgrade
Net Debt Issued (Repaid)	1,467	-5,952	-12,141	-8,702	-5,471	Upgrade
Common Dividends Paid	-242.3	-242.3	-242.3	-215.4	-107.7	Upgrade
Financing Cash Flow	1,225	-6,194	-12,384	-8,918	-5,579	Upgrade
Net Cash Flow	179	-338.4	-4,081	3,909	-238.7	Upgrade
Free Cash Flow	-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	-5.63%	161.37%	265.74%	397.46%	248.16%	Upgrade
Free Cash Flow Per Share	-3.50	96.54	193.45	238.76	101.66	Upgrade
Cash Interest Paid	6,932	7,024	7,004	6,990	8,229	Upgrade
Cash Income Tax Paid	426.2	398.6	635.2	695.5	504.5	Upgrade

Updated Feb 11, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.