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

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