GIC Housing Finance Q1 PAT at ₹10 Cr vs ₹8 Cr YoY

Interest Income: ₹264 crore (vs. ₹262 crore in Q1 FY2026 - increase of ₹2 crore)
Fees & Commission Income: ₹1 crore (unchanged YoY)
Other Income: ₹2 crore (unchanged YoY)
Total Income: ₹267 crore (vs. ₹265 crore YoY - increase of ₹2 crore)
Interest Expenses: ₹173 crore (unchanged YoY)
Staff Expenses: ₹21 crore (vs. ₹17 crore YoY - increase of ₹4 crore or 24%)
Other Expenses & Depreciation: ₹23 crore (vs. ₹17 crore YoY - increase of ₹6 crore or 35%)
Provision for NPA and others: ₹32 crore (vs. ₹78 crore YoY - decrease of ₹46 crore or 59%)
Total Expenses: ₹249 crore (vs. ₹285 crore YoY - decrease of ₹36 crore or 13%)
Profit before Tax: ₹18 crore (vs. loss of ₹20 crore YoY - improvement of ₹38 crore)
Provision for Tax & (DTA/DTL): ₹8 crore (vs. tax benefit of ₹28 crore YoY)
Profit after Tax after (DTA/DTL): ₹10 crore (vs. ₹8 crore YoY - increase of ₹2 crore or 25%)

Loan Portfolio Gross: ₹11,185 crore (vs. ₹10,692 crore YoY - increase of ₹493 crore or 5%)
Borrowing Portfolio: ₹9,074 crore (vs. ₹8,684 crore YoY - increase of ₹390 crore or 4%)
Share Capital: ₹54 crore (unchanged YoY)
Networth: ₹2,116 crore (vs. ₹1,972 crore YoY - increase of ₹144 crore or 7%)

Gross NPA Portfolio: ₹502 crore (vs. ₹507 crore YoY - decrease of ₹5 crore or 1%)
Gross NPA %: 4.49% (vs. 4.74% YoY - improvement of 25 bps)
Net NPA Portfolio: ₹222 crore (vs. ₹223 crore YoY - decrease of ₹1 crore)
Net NPA to Net Advances %: 2.04% (vs. 2.14% YoY - improvement of 10 bps)
Net Interest Margin % (NIM): 3.24% (vs. 3.30% YoY - decrease of 6 bps)

Earning Per Share: ₹1.86 (vs. ₹1.36 YoY - increase of 38%)
Cost to Income Ratio: 81.24% (vs. 122.11% YoY - improvement of 40.87 percentage points)
Cost to Income Ratio (without NPA provision): 46.81% (vs. 37.64% YoY - increase of 9.17 percentage points)
Yield On Advances: 9.62% (vs. 9.76% YoY - decrease of 14 bps)
Cost of Borrowed Funds %: 7.64% (vs. 8.07% YoY - decrease of 43 bps)
Debt Equity Ratio (Times): 4.29 (vs. 4.40 YoY - improvement of 0.11x)
Return on Net worth: 0.47% (vs. 0.38% YoY - increase of 9 bps)
Return on Total Assets (%): 0.09% (vs. 0.07% YoY - increase of 2 bps)
Price Earning Ratio: 81.73 (vs. 144.05 YoY - decrease of 62.32)
Book Value of Share: ₹393.02 (vs. ₹366.18 YoY - increase of ₹26.84 or 7%)
Total debts to total assets (%): 79.90% (vs. 80.85% YoY - improvement of 95 bps)
Net Profit Margin (%): 3.76% (vs. 2.77% YoY - improvement of 99 bps)

All credit ratings remain unchanged from previous disclosures:

ICRA Ratings:

CRISIL Ratings: