GIC Housing Finance H1 FY27 PAT Rises 18% to ₹67 Crore

Loan Portfolio Gross: ₹11,261 crore (increased 4% from ₹10,870 crore)
Borrowing Portfolio: ₹9,117 crore (increased 1% from ₹8,999 crore)
Share Capital: ₹54 crore (unchanged)
Networth: ₹2,150 crore (increased 8% from ₹1,998 crore)

Income Statement (₹ crore):

Sanctions: ₹973 crore (decreased 14% from ₹1,134 crore)
Disbursements: ₹939 crore (decreased 8% from ₹1,023 crore)
Interest Income: ₹534 crore (increased 1% from ₹527 crore)
Total Income: ₹545 crore (increased 1% from ₹537 crore)
Interest Expenses: ₹349 crore (increased 1% from ₹346 crore)
Staff Expenses: ₹44 crore (increased 16% from ₹38 crore)
Other Expenses & Depreciation: ₹48 crore (increased 33% from ₹36 crore)
Provision for NPA and others: ₹15 crore (decreased 80% from ₹76 crore)
Total Expenses: ₹456 crore (decreased 8% from ₹496 crore)
Profit before Tax: ₹89 crore (increased 117% from ₹41 crore)
Provision for Tax & DTA/DTL: ₹22 crore (increased 238% from -₹16 crore)
Profit after Tax after DTA/DTL: ₹67 crore (increased 18% from ₹57 crore)

Key Metrics (₹ crore):

NPA Metrics (as of September 30):

Performance Ratios:

Net Interest Margin (NIM %): 3.26% (decreased from 3.32%)
Earning Per Share (₹): 12.49 (increased 17% from 10.64)
Cost to Income Ratio (%): 54.32 (decreased from 78.72)
Cost to Income Ratio (without NPA provision) (%): 46.46 (increased from 38.92)
Yield On Advances (%): 9.34 (decreased from 9.72)
Cost of Borrowed Funds (%): 7.64 (decreased from 7.97)
Debt Equity Ratio (Times): 4.24 (decreased from 4.50)
Return on Net worth (%): 3.13 (increased from 2.87)
Return on Total Assets (%): 0.59 (increased from 0.52)
Price Earning Ratio: 10.75 (decreased from 16.35)
Book Value of Share (₹): 399.22 (increased from 370.94)
Total debts to total assets (%): 80.00 (decreased from 81.20)
Net Profit Margin (%): 12.35 (increased from 10.67)

The company maintained the following credit ratings as disclosed:

ICRA Ratings:

CRISIL Ratings: