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GIC Housing Finance Ltd

Q3 FY26

GIC Housing Finance Q3 FY26 investor presentation: Revenue & Margins

Q3 FY26 investor presentation: what the company reported on revenue, margins and projects.

Price₹132

Market cap₹710 Cr

P/E4.5

Updated16 Oct 2026

Read4 min read

Based on GIC Housing Finance Ltd's Q3 FY26 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Quarterly Disbursements (Volume): - Q2 FY26 disbursements: ₹620 Crores - 54% quarter-on-quarter (QoQ) jump from Q1 FY26 (₹403 Crores) - H1 FY26 disbursements: ₹1,023 Crores, a 20% increa The presentation does not explicitly report EBITDA or operating margin figures for the quarter.

From GIC Housing Finance Ltd's Q3 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Quarterly Disbursements (Volume):
Q2 FY26 disbursements: ₹620 Crores
54% quarter-on-quarter (QoQ) jump from Q1 FY26 (₹403 Crores)
H1 FY26 disbursements: ₹1,023 Crores, a 20% increase over H1 FY25 (₹851 Crores)
Total Income (Revenue):
Half Year ended Sep 25: ₹537 Crores (slight 1.10% decrease YoY from ₹543 Crores in Sep 24 H1)
Year ended Mar 25: ₹1,089 Crores (1.78% increase YoY from ₹1,070 Crores in Mar 24)
Explicit Outlook for Revenue/Volumes:
Focus on market penetration in underserved and emerging markets
Strategic branch expansion to enhance market reach

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Profitability & Margins

The presentation does not explicitly report EBITDA or operating margin figures for the quarter.
Profit After Tax (PAT) for the half year ended Sep 25 is ₹57 Cr, down 24% from ₹75 Cr in H1 Sep 24. For Q2 FY26 specifically, profit before exceptional items is ₹41 Cr versus ₹95 Cr in Q2 last year, showing a 57% decline.
No explicit margin outlook is stated in the presentation.

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Capital Expenditure Plans

The investor presentation does not explicitly mention any capex, capacity expansion projects, or new plant/project investments with specific amounts, status, or timelines. However, it does describe: - **Strategic Branch Activation:** - Activated 12 new branches in July 2025 across key urban centers: 3 in NCR, 3 in Hyderabad, 3 in Bangalore, 2 in MMR, and 1 in Rest of the World (ROW). - Objective: Enhance market reach and service capabilities.

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Fundraising & Capital Structure

Fundraising is primarily through debt instruments for onward lending and refinancing (Page 11):
Long Term Loans (Secured) and Short Term Loans/Lines of Credit (Unsecured) from banks.
Non-Convertible Debentures (NCDs) for medium/long-term requirements via capital markets.
Commercial Paper for short-term funding via capital markets.
Loans from National Housing Bank (NHB) for refinance.
Borrowing limits approved by the Board: ₹17,000 Crores, with caps on NCDs (₹2,500 Cr), Commercial Paper (₹1,500 Cr), and Short-term loans (₹1,500 Cr).
Borrowing portfolio increased modestly by 3% from ₹8,727 Cr (Mar 25) to ₹8,999 Cr (Sep 25) (Page 13).

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Order Book & Pipeline

The investor presentation does not explicitly report any details on order book, order inflow, or pending orders. The document focuses on financial performance, disbursement growth, borrowing, collection strategies, and operational metrics without mentioning order-related data. Key points from the presentation include: - Disbursement growth: ₹1,023 Crores in H1 FY26, 20% increase over H1 FY25. - Quarterly disbursements: ₹620 Crores in Q2 FY26, a 54% QoQ increase. - Collection strategies implemented to control NPAs and enhance recoveries.

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Frequently Asked Questions

What were GIC Housing Finance Ltd Q3 FY26 results?

Quarterly Disbursements (Volume): - Q2 FY26 disbursements: ₹620 Crores - 54% quarter-on-quarter (QoQ) jump from Q1 FY26 (₹403 Crores) - H1 FY26 disbursements: ₹1,023 Crores, a 20% increa The presentation does not explicitly report EBITDA or operating margin figures for the quarter.

What is GIC Housing Finance Ltd share price analysis?

GIC Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 4.5 with a market cap of ₹710 Cr. Investors should review the full earnings analysis for detailed insights.

Is GIC Housing Finance Ltd planning capital expenditure?

The investor presentation does not explicitly mention any capex, capacity expansion projects, or new plant/project investments with specific amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.