GIC Housing Finance Limited (NSE:GICHSGFIN)

GIC Housing Finance Cash Flow Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Net Income	1,548	1,604	1,514	2,133	1,735
Depreciation & Amortization	109.8	150.1	150.2	99.4	87.1
Loss (Gain) From Sale of Investments	682.6	0.8	-27.3	-78.6	-17.5
Provision for Credit Losses	-	161.8	182.3	174.2	1,182
Net Decrease (Increase) in Loans Originated / Sold - Operating	-6,854	-2,413	3,241	8,542	10,065
Change in Accounts Payable	49.5	7.1	25.9	-30.2	37.1
Change in Other Net Operating Assets	50.5	252.9	162.8	-168.5	-90.9
Other Operating Activities	36	237.4	206.7	197.8	-6.9
Operating Cash Flow	-3,201	-175.3	5,221	10,432	12,860
Operating Cash Flow Growth	-	-	-49.95%	-18.88%	134.72%
Capital Expenditures	-10.3	-13.4	-21.9	-14	-2.1
Sale of Property, Plant & Equipment	2.2	1.5	0.6	0.3	1.3
Sale (Purchase) of Intangibles	-42.7	-13.1	-18.1	-46.3	-51.9
Investment in Securities	566.7	-846.7	673.1	-2,070	18.8
Other Investing Activities	1.5	1.5	1.3	1.3	1.3
Investing Cash Flow	517.4	-870.2	635	-2,129	-32.6
Long-Term Debt Issued	72,337	77,874	53,950	33,801	58,502
Total Debt Issued	72,337	77,874	53,950	33,801	58,502
Long-Term Debt Repaid	-69,548	-76,407	-59,902	-45,943	-67,205
Total Debt Repaid	-69,548	-76,407	-59,902	-45,943	-67,205
Net Debt Issued (Repaid)	2,789	1,467	-5,952	-12,141	-8,702
Common Dividends Paid	-242.3	-242.3	-242.3	-242.3	-215.4
Financing Cash Flow	2,547	1,225	-6,194	-12,384	-8,918
Net Cash Flow	-137	179	-338.4	-4,081	3,909
Free Cash Flow	-3,211	-188.7	5,199	10,418	12,858
Free Cash Flow Growth	-	-	-50.10%	-18.98%	134.86%
Free Cash Flow Margin	-81.03%	-5.62%	161.37%	265.74%	397.46%
Free Cash Flow Per Share	-59.63	-3.50	96.54	193.45	238.76
Cash Interest Paid	-	6,932	7,024	7,004	6,990
Cash Income Tax Paid	-	426.2	398.6	635.2	695.5

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