GIC Housing Finance Nine Months Profit Down 19% to ₹101 Crore
GIC Housing Finance reported a 19% year-on-year decrease in Profit After Tax to ₹101 crore for the nine months ended December 31, 2025. Total income was ₹810 crore. Gross NPA increased by 29% to ₹466 crore, while Net NPA decreased by 15% to ₹193 crore. EPS fell by 19% to ₹18.74.
The decrease in profit and increase in NPAs are significant financial indicators that could impact investor sentiment and the company's valuation.
The company reported a decrease in profit after tax, a decline in earnings per share, and an increase in gross NPA, indicating a negative financial performance.
GIC Housing Finance Limited has announced its financial highlights for the nine months ended December 31, 2025. The company reported a Profit After Tax (PAT) of ₹101 crore, a decrease of 19% compared to ₹125 crore in the corresponding period of the previous year.
Total income for the nine months stood at ₹810 crore, a marginal decrease from ₹813 crore in the prior year period. Total expenses were ₹714 crore, an increase of 8% from ₹662 crore. Profit Before Tax (PBT) saw a significant decline of 36%, falling to ₹96 crore from ₹151 crore.
The company's loan portfolio grossed ₹10,999 crore as of December 31, 2025, up 6% from ₹10,405 crore a year earlier. Networth increased by 6% to ₹2,042 crore from ₹1,930 crore.
However, asset quality metrics showed some deterioration. Gross Non-Performing Asset (NPA) portfolio increased by 29% to ₹466 crore, with the Gross NPA percentage rising to 4.24% from 3.47%. Conversely, Net NPA portfolio decreased by 15% to ₹193 crore, and Net NPA to Net Advances improved to 1.80% from 2.22%.
Key ratios also reflect the challenging period. Earnings Per Share (EPS) declined by 19% to ₹18.74 from ₹23.23. The Cost to Income Ratio increased by 44% to 67.19%. Return on Net worth and Return on Total Assets also saw decreases.
What to do with a filing like this
GIC Housing Finance Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by GIC Housing Finance Limited. Read the original for the full detail.