GIC Housing Finance Reports 24% PAT Decline and Higher Gross NPAs for Half Year Ended September 2025
GIC Housing Finance reported a 24% decline in half-year PAT to ₹57 crore and a 57% fall in PBT. Gross NPAs rose 20% to 4.52%, despite growth in sanctions and disbursements.
The substantial decline in profitability (PBT and PAT) and the significant rise in Gross NPAs are critical financial indicators that can severely impact investor confidence and the company's financial health, warranting a high impact.
The company reported a significant 57% decrease in Profit before Tax and a 24% decrease in Profit after Tax for the half year ended September 30, 2025. Gross Non-Performing Assets (NPA) percentage also increased by 20% to 4.52%, indicating deteriorating asset quality, despite improvements in sanctions and disbursements.
* GIC Housing Finance Limited submitted its Financial Highlights for the half year ended September 30, 2025. * For the half year ended September 30, 2025, sanctions increased by 21% to ₹1134 crore compared to ₹940 crore in the previous year. * Disbursements grew by 20% to ₹1023 crore from ₹851 crore in the same period last year. * Total Income for the half year decreased marginally by 1% to ₹537 crore from ₹543 crore. * Profit before Tax (PBT) saw a significant decline of 57% to ₹41 crore from ₹95 crore. * Profit after Tax (PAT) decreased by 24% to ₹57 crore from ₹75 crore in the prior half year. * The Loan Portfolio Gross increased by 5% to ₹10,870 crore as on September 30, 2025. * Gross NPA portfolio rose by 25% to ₹491 crore, with Gross NPA % increasing by 20% to 4.52% from 3.78%. * Net NPA to Net Advances % improved by 18% to 1.99% from 2.43%. * Earning Per Share (EPS) decreased by 24% to ₹10.64. * Return on Net worth declined by 29% to 2.87%, and Return on Total Assets decreased by 27% to 0.52%. * The company's credit ratings from ICRA and CRISIL remain stable, with Commercial Paper rated A1+ and Long Term Loan/Non Convertible Debentures rated AA+ Stable.
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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 high impact, which is the band that most often changes something.
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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.