GIC Housing Finance Ltd

NSE :GICHSGFIN   BSE :511676  Sector : Finance
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18 Nov
201.15
(-2.38%)
14 Nov
206.06
(1.66%)
13 Nov
202.70
(-4.11%)
12 Nov
211.39
(-2.01%)
11 Nov
215.72
(0.20%)
08 Nov
215.30
(-2.06%)
07 Nov
219.83
(-0.06%)
06 Nov
219.97
(1.28%)
05 Nov
217.20
(2.26%)
04 Nov
212.41
(-2.00%)
01 Nov
216.74
(2.16%)
31 Oct
212.15
(-0.64%)
30 Oct
213.51
(2.30%)
29 Oct
208.70
(0.23%)
28 Oct
208.23
(1.88%)
25 Oct
204.38
(-2.27%)
24 Oct
209.13
(0.31%)
23 Oct
208.48
(1.40%)
22 Oct
205.61
(-5.51%)
21 Oct
217.60
(-2.00%)
18 Oct
222.05
(2.12%)


Technical Analysis

Short Term Investors

Very Bearish

Medium Term Investors

Very Bearish

Long Term Investors

Very Bearish

Moving Averages

5 DMA
Bearish

207.6


10 DMA
Bearish

212.28


20 DMA
Bearish

211.44


50 DMA
Bearish

224.35


100 DMA
Bearish

236.49


200 DMA
Bearish

230.36



Intraday Support and Resistance
(Based on Pivot Points) |

Updated On Nov 18, 2024 04:00 PM For Next Trading Session

Pivots Classic Fibonacci Camarilla Woodie DM
R3 211.71 209.18 202.95 - -
R2 209.18 206.68 202.35 208.81 -
R1 205.16 205.13 201.75 204.42 207.18
P 202.63 202.63 202.63 202.26 203.64
S1 198.61 200.13 200.55 197.87 200.63
S2 196.08 198.58 199.95 195.71 -
S3 192.06 196.08 199.35 - -

Key Metrics

EPS

30.57

P/E

6.6

P/B

0.58

Dividend Yield

2.23%

Market Cap

1,083 Cr.

Face Value

10

Book Value

349.17

ROE

8.58%

EBITDA Growth

227.31 Cr.

Debt/Equity

5.03

Shareholding Pattern

  42.41% Total Promoter Holding
0% Mutual Fund Holdings
2.91% FIIs
48.79% Non Institution
5.89% Insurance Companies
0% Custodians
0% Other Parties

Shareholding History


Quarterly Result (Figures in Rs. Crores)


GIC Housing Finance Ltd Quaterly Results


Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
INCOME 270.19 262.9 265.54 277.19 265.7
PROFIT 30.19 35.65 53.67 38.99 36.52
EPS 5.61 6.62 9.97 7.24 6.78

GIC Housing Finance Ltd Quaterly Results


Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
INCOME 270.18 262.89 265.53 277.18 265.68
PROFIT 30.16 35.6 53.59 38.96 36.48
EPS 5.6 6.61 9.95 7.23 6.77

Profit & Loss (Figures in Rs. Crores)


GIC Housing Finance Ltd Profit & Loss


Mar 2022Mar 2023Mar 2024
INCOME 1156.4 1128.9 1069.68
PROFIT 172.31 210.14 146.62
EPS 32.2 39.58 28.09

GIC Housing Finance Ltd Profit & Loss


Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
INCOME 732.74 876.37 1001.74 1111.86 1227.65 1254.91 1239.55 1156.4 1128.88 1069.64
PROFIT 102.96 124.5 147.73 205.63 171.81 45.61 105.57 172.37 210.09 146.43
EPS 18.09 22.09 27.42 38.17 31.89 8.47 19.59 32.21 39.57 28.05

Balance Sheet (Figures in Rs. Crores)

Mar 2024Mar 2023Mar 2022
SOURCES OF FUNDS :
Share Capital 53.8853.8853.88
Reserves Total 1,774.951,645.421,456.88
Total Shareholders Funds1,828.831,699.31,510.76
Secured Loans7,782.848,304.599,754.08
Unsecured Loans801.56863.35610.81
Total Loan Funds8,584.49,167.9410,364.89
Total Liabilities10,413.2310,867.2411,875.65
APPLICATION OF FUNDS :
Loan / Non-Current Assets 9,978.3110,321.0411,198.18
Gross Block 85.9779.9839.87
Less: Accumulated Depreciation42.3427.7619.31
Net Block43.6352.2220.56
Capital Work in Progress10.058.8229.14
Investments 168.45229.3214.41
Sundry Debtors 0.380.260.22
Cash and Bank Balance40.6589.61481.8
Loans and Advances 147.9126.550.47
Total Current Assets188.93216.37532.49
Current Liabilities 34.9436.4341.22
Provisions 22.3916.512.17
Total Current Liabilities & Provisions57.3352.9353.39
Net Current Assets131.6163.44479.1
Deferred Tax Assets80.9391.9130.7
Deferred Tax Liability6.796.73.56
Net Deferred Tax74.1485.2127.14
Other Assets7.057.27.12
Total Assets10,413.2310,867.2411,875.65
Contingent Liabilities6.596.485.45
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
SOURCES OF FUNDS :
Share Capital 53.8853.8853.8853.8853.8853.8853.8853.8853.8853.88
Reserves Total 1,774.771,645.431,456.941,303.941,209.211,200.121,064.49784.34677.92606.49
Total Shareholders Funds1,828.651,699.311,510.821,357.821,263.091,2541,118.37838.22731.8660.37
Secured Loans7,782.848,304.599,754.0810,412.3611,003.4110,417.879,091.27,339.466,382.55,149.51
Unsecured Loans801.56863.35610.81813.22764.881,240.76892.86897.38618.56644.75
Total Loan Funds8,584.49,167.9410,364.8911,225.5811,768.2911,658.639,984.068,236.847,001.065,794.26
Other Liabilities0000000251.57218.14201.6
Total Liabilities10,413.0510,867.2511,875.7112,583.413,031.3812,912.6311,102.439,326.637,9516,656.23
APPLICATION OF FUNDS :
Loan / Non-Current Assets 9,978.3110,321.0411,198.1812,331.2112,813.8612,747.3410,935.198,885.337,570.176,297.54
Gross Block 85.9779.9839.8728.0726.064.172.6916.0115.9215.6
Less: Accumulated Depreciation 42.3427.7619.3111.697.291.330.6213.7113.7612.98
Net Block43.6352.2220.5616.3818.772.842.072.32.162.62
Capital Work in Progress10.058.8229.1428.7213.4400000
Investments 169.2230.0715.1614.2513.5813.513.0126.479.89.83
Sundry Debtors 0.380.260.220.3300013.2712.139.41
Cash and Bank Balance39.8488.88481.0590.63114.5152.2257.3562.1152.3441.57
Loans and Advances 147.82126.4850.5331.2619.4725.0317.57394.67345.14303.43
Total Current Assets188.04215.62531.8122.22133.9877.2574.92470.05409.61354.41
Current Liabilities 34.9836.4241.2240.9755.6648.1437.0935.5332.2227.88
Provisions 22.3916.512.1716.4711.848.717.319.4338.1636.56
Total Current Liabilities & Provisions57.3752.9253.3957.4467.556.8544.444.9670.3864.44
Net Current Assets130.67162.7478.4164.7866.4820.430.52425.09339.23289.97
Deferred Tax Assets80.9391.9130.7123.5100.88120.51117.54074.368.14
Deferred Tax Liability6.796.73.563.23.740032.962.8630.54
Net Deferred Tax74.1485.2127.14120.397.14120.51117.54-32.911.4437.6
Other Assets7.057.27.127.768.118.044.120.3418.218.67
Total Assets10,413.0510,867.2511,875.7112,583.413,031.3812,912.6311,102.439,326.637,9516,656.23
Contingent Liabilities6.596.484.951.952.451.65128.694.524.014.01

Cash Flow (Figures in Rs. Crores)

Net Profit before Tax and Extr...204.16
Depreciation15.02
Interest (Net)-332.47
Dividend Received0.13
P/L on Sales of Invest-2.71
Prov. and W/O (Net)18.21
Total Adjustments (PBT and Ext...-307.62
Operating Profit before Workin...-103.46
Trade Payables2.59
Change in Borrowing324.14
Total Adjustments (OP before W...324.55
Cash Generated from/(used in) ...221.09
Interest Paid(Net)340.82
Direct Taxes Paid-39.86
Total Adjustments(Cash Generat...300.96
Cash Flow before Extraordinary...522.05
Net Cash from Operating Activi...522.05
Purchased of Fixed Assets-4
Sale of Fixed Assets0.06
Purchase of Investments-2,705.9
Sale of Investments2,773.21
Net Cash used in Investing Act...63.5
Proceed from 0ther Long Term B...5,395.01
Of the Long Tem Borrowings-5,980.75
Of Financial Liabilities-9.42
Dividend Paid-24.23
Net Cash used in Financing Act...-619.39
Net Profit before Tax and Extr...203.91
Depreciation15.02
Interest (Net)-332.47
Dividend Received0.13
P/L on Sales of Invest-2.71
Prov. and W/O (Net)18.21
Total Adjustments (PBT and Ext...-307.62
Operating Profit before Workin...-103.71
Trade Payables2.41
Loans and Advances324.14
Total Adjustments (OP before W...324.75
Cash Generated from/(used in) ...221.04
Interest Paid(Net)340.82
Direct Taxes Paid-39.86
Total Adjustments(Cash Generat...300.96
Cash Flow before Extraordinary...522
Net Cash from Operating Activi...522
Purchased of Fixed Assets-4
Sale of Fixed Assets0.06
Purchase of Investments-2,705.9
Sale of Investments2,773.21
Net Cash used in Investing Act...63.5
Proceed from 0ther Long Term B...5,395.01
Of the Long Tem Borrowings-5,980.75
Of Financial Liabilities-9.42
Dividend Paid-24.23
Net Cash used in Financing Act...-619.39

Company Details

Registered Office
AddressRoyal Insurance Build 6th Flr,
14 Jamshedji Tata Rd Churchgat
CityMumbai
StateMaharashtra
Pin Code400020
Tel. No.91-22-2285 1765(5 Lines)
Fax. No.91-22-2288 4985/2288 0173
Emailinvestors@gichf.com; corporate@gichf.com; nutan.si
Internethttp://www.gichfindia.com
Registrars
AddressRoyal Insurance Build 6th Flr
CityMumbai
StateMaharashtra
Pin Code400020
Tel. No.91-22-2285 1765(5 Lines)
Fax. No.91-22-2288 4985/2288 0173
Emailinvestors@gichf.com; corporate@gichf.com; nutan.si
Internethttp://www.gichfindia.com
Management
Name Designation
Hitesh JoshiNon Executive Director
AJIT KUMAR SAXENAIndependent Director
Rani Singh NairIndependent Director
Vaijinath GavarshettyIndependent Director
Kishore GarimellaIndependent Director
S. J. KrishnanIndependent Director
Neelam DamodharanIndependent Director
Paul LoboManaging Director & CEO
Sunil KakarIndependent Director
RASHMI RAMAN SINGHNon Executive Director
N. RamaswamyChairman (Non-Executive)
Rajeshwari Singh MuniNon Executive Director
B. S. RahulNon Executive Director
Girija SubramanianNon Executive Director