Tijori
GIC Housing Finance Limited
Market Capital
₹ 499 Cr.
P/E
10.94
Share Price
₹92.70 -3.25 (-3.39%)
  • GIC Housing Finance Limited
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  • NBFC Sector

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  • Revenue Mix
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  • Balance Sheet
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Market Share
1%
Housing Finance - Market Share
Revenue Mix
Borrowing Break-Up - NBFC
AUM Break-Up - NBFC
Domestic vs Export
About
  • GIC HF provides individual housing loans to the middle to low income group in Tier II and Tier III cities. The company primarily lends to the salaried segment, which constitutes almost 72% of its total loan portfolio. GIC HF had a network of 65 branches as on March 31, 2017, most of which are concentrated in Maharashtra.
  • The company is promoted by General Insurance Corporation of India (GIC) having 15.3% stake and other govt’s general and assurance companies. Promoter and promoter group cumulatively accounted for 42.16% stake in the company.
Operational Metrics for GIC Housing Fin
NBFC
1.25% (as of Mar 19)
Net Interest Margin
31.27% (as of Mar 19)
Cost to Income Ratio
8% (as of Mar 19)
Cost Of Borrowing
16.55% (as of Mar 19)
Capital Adequacy Ratio
1.76% (as of Mar 16)
Gross NPA
0.58% (as of Mar 19)
Net NPA
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Compare with Competitors


Competitors
Peer Name Market Cap.
GIC Housing Finance Limited 499
Arman Financial Services Limited 471
Satin Creditcare Network Limited 442
Dewan Housing Finance Corporation Limited 432
NBI Industrial Finance Company Limited 388
Muthoot Capital Services Limited 610
Capital India Finance Limited 630
Centrum Capital Limited 631
Finkurve Financial Services Limited 363
PNB Gilts Limited 635
SREI Infrastructure Finance Limited 344
Magma Fincorp Limited 677
Tourism Finance Corporation of India Limited 290
Reliance Capital Limited 278
Choice International Limited 265
Niyogin Fintech Limited 256
Sastasundar Ventures Limited 251
Repco Home Finance Limited 761
Sat Industries Limited 215
Crest Ventures Limited 179
GCM Securities Limited 178
Store One Retail India Limited 170
Santosh Industries Limited 157
Kiran Vyapar Limited 144
SIL Investments Limited 142
A.K. Capital Services Limited 139
Industrial Investment Trust Limited 131
SRG Housing Finance Limited 131
Capital Trust Limited 129
Emkay Global Financial Services Limited 118
Reliance Home Finance Limited 115
Coral India Finance & Housing Limited 107
CSL Finance Limited 104
Arnold Holdings Limited 92
Vaarad Ventures Limited 90
South India Projects Limited 87
IndiaNivesh Limited 86
Maharashtra Apex Corporation Limited 85
PTC India Financial Services Limited 913
LKP Finance Limited 67
Monarch Networth Capital Limited 61
India Home Loan Limited 50
Vibrant Global Capital Limited 46
Religare Enterprises Limited 952
Pro Fin Capital Services Limited 13
TATA Capital Financial Services Limited 0
S.E. Investments Limited 1,029
IFCI Limited 1,295
BF Investment Limited 1,354
PTC India Limited 1,424
IIFL Securities 1,595
Equitas Holding Limited 1,946
IIFL Holdings Limited 2,754
Capri Global Capital Limited 2,963
IDFC Limited 2,993
Ujjivan Financial Services Limited 3,029
Indostar Capital Finance Limited 3,310
PNB Housing Finance Limited 3,415
Tata Investment Corporation Limited 3,791
MAS Financial Services Limited 3,813
Shriram City Union Finance Limited 4,414
Can Fin Homes Limited 4,649
Edelweiss Financial Services Limited 5,287
Capital First Limited 5,821
Cholamandalam Financial Holdings Ltd 6,020
Housing and Urban Development Corporation 7,007
Indiabulls Securities Limited 7,480
JM Financial Limited 7,720
CreditAccess Grameen Limited 7,911
IIFL Wealth 8,267
Indiabulls Housing Finance Limited 9,563
Motilal Oswal Financial Services Limited 9,749
Aavas Financiers Limited 9,939
Mahindra & Mahindra Financial Services Limited 12,046
SKS Microfinance Limited 12,597
L&T Finance Holdings Limited 12,881
Manappuram Finance Limited 13,257
LIC Housing Finance Limited 13,300
Sundaram Finance Limited 13,461
Aditya Birla Capital Limited 13,976
Cholamandalam Investment and Finance Company Limited 16,281
Shriram Transport Finance Company Limited 17,072
AU Small Finance Bank Limited 19,468
Rural Electrification Corporation Limited 20,391
Power Finance Corporation Limited 21,279
Gruh Finance Limited 23,292
Piramal Enterprises Limited 31,353
Muthoot Finance Limited 43,416
Bajaj Finserv Limited 99,418
Bajaj Finance Limited 192,246
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Investors
Also invests in Share %
GIC Housing Finance Limited
7.4
Tide Water Oil Company (India) Limited
6.9
Rane Brake Lining Limited
6.1
Rane Holdings Limited
3.1
Electrosteel Castings Limited
1.7
Sundaram Finance Limited
1.5
Bosch Limited
1.3
MOIL Limited
1.1
Axis Bank Limited
0.01
Also invests in Share %
GIC Housing Finance Limited
5.7
Orient Cement Limited
2.1
Bharat Bijlee Limited
1.4
Balmer Lawrie & Company Limited
1.4
BEML Limited
1.2
Orient Paper & Industries Limited
1.2
Orient Electric Limited
1.2
Axis Bank Limited
0.02
Also invests in Share %
GIC Housing Finance Limited
5.6
International Paper APPM Limited
1.8
Empire Industries Limited
1.6
Kirloskar Industries Limited
1.5
Oriental Hotels Limited
1.4
ITC Limited
1.2
Tourism Finance Corporation of India Limited
1.1
Kirloskar Oils Engine Limited
1.1
Axis Bank Limited
0.2
Also invests in Share %
Shemaroo Entertainment Limited
2.1
PTC India Limited
2
GIC Housing Finance Limited
1.7
Redington (India) Limited
1.3
Also invests in Share %
Shipping Corporation Of India Limited
12
Coal India Limited
11
National Buildings Construction Corporation Limited
6.6
Gillette India Limited
2.7
The Federal Bank Limited
2.4
NMDC Limited
2.1
Hindustan Zinc Limited
1.9
Indraprastha Gas Limited
1.4
Tech Mahindra Limited
1.4
GIC Housing Finance Limited
1.3
NIIT Technologies Limited
1.2
Power Grid Corporation of India Limited
1.1
Price
92.70 -3.25 (-3.39%)
Benchmarking
517
Balance Sheet
  • Standalone
  • Consolidated
  • View Detailed
(in Rs. Cr.) Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
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Profit & Loss
  • Standalone
  • Consolidated
  • View Detailed
(in Rs. Cr.) Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019