GIC Housing Finance 9M FY26: PAT falls 19% to 101 Cr, NPA provisions surge 204%

Revenue Growth 20pctDebt Equity ThresholdResults View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

+1.5%Reaction day

₹164.50

prior close

₹166.40

announcement price

After-mkt

timing

Nifty Microcap 250market · in no size index; the smallest one is used-0.5%+2.0% vs market

Housing Finance Company peers, median of 17sector-0.1%+1.6% vs sector

On the reaction day the stock moved 2.0 pts more than Nifty Microcap 250 and 1.6 pts more than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

Minutes after the announcementfrom the announcement price · no benchmark

Stock

-1.3

10m

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15m

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30m

-1.7

Sessions after the filingfrom the prior close

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Reaction day

+1.5-0.5+2.0-0.1+1.6

Next day

-0.4-1.0+0.6-1.4+1.0

-1.1-2.5+1.4-2.7+1.6

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15d

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-9.2-4.5-4.7-6.6-2.6

-7.0+5.4-12.3+0.9-7.9

UpDownMarket · Nifty Microcap 250Sector · Housing Finance Company peers, median of 17Pending

Minute windows have no benchmark: there is no intraday index history to compare against.

AI summary

For nine months ended Dec 2025, GIC Housing Finance reported PAT of 101 Cr, down 19% YoY, as NPA provisions jumped 204% to 73 Cr. PBT fell 36% to 96 Cr. Sanctions grew 28% to 1,777 Cr and disbursements 27% to 1,613 Cr. Loan portfolio rose 6% to 10,999 Cr. Gross NPA worsened to 4.24% from 3.47%, though Net NPA improved to 1.80%. NIM expanded to 3.36%. Debt-equity ratio stood at 4.36x and cost-to-income surged to 67.19%.

Likely market impact

Higher NPA provisions and rising cost-to-income pressured earnings despite strong loan growth. Watch asset quality and margin trends.