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GIC Housing Finance Q3 Net Profit Drops 12% to ₹43.6 Cr; Asset Quality Weakens
GIC Housing Finance reported a 12.1% year-on-year decline in standalone net profit to ₹43.61 crore for the quarter ended December 31, 2025. While total revenue from operations saw a marginal increase to ₹272.63 crore, higher operating expenses and employee benefits weighed on the bottom line. Asset quality showed signs of stress as the Stage 3 Ratio (Gross NPA) rose to 4.24% compared to 3.47% in the previous year. However, the company has significantly strengthened its Provision Coverage Ratio to 58.63% from 36.80% a year ago.
Key Highlights
Net Profit for Q3 FY26 decreased by 12.1% YoY to ₹43.61 crore from ₹49.64 crore.
Stage 3 Ratio (Gross NPA) deteriorated to 4.24% from 3.47% in the same period last year.
Provision Coverage Ratio (PCR) improved substantially to 58.63% compared to 36.80% YoY.
Total Revenue from operations grew slightly by 1.25% YoY to ₹272.63 crore.
9M FY26 Net Profit stands at ₹100.91 crore, down 19.3% from ₹125.08 crore in 9M FY25.
👀 What to Watch
Investors should exercise caution as the rising Stage 3 assets and declining profitability indicate operational headwinds. Monitor the company's ability to manage credit costs and stabilize asset quality in the upcoming quarters.
GIC Housing Finance Q3 PAT Drops 12% YoY to ₹43.6 Cr; Asset Quality Weakens
GIC Housing Finance reported a 12.1% year-on-year decline in standalone net profit to ₹4,361 Lakh for the quarter ended December 31, 2025. While total revenue from operations remained relatively flat at ₹27,263 Lakh, profitability was impacted by higher employee expenses and a shift in ECL calculation methodology. Asset quality showed signs of stress with the Stage 3 ratio rising to 4.24% compared to 3.47% in the previous year. However, the company significantly strengthened its Provision Coverage Ratio to 58.63% from 36.80% a year ago.
Key Highlights
Standalone Net Profit fell 12.1% YoY to ₹4,361 Lakh from ₹4,964 Lakh in the same quarter last year.
Stage 3 Ratio (Gross NPAs) increased to 4.24% from 3.47% YoY, indicating deteriorating asset quality.
Provision Coverage Ratio (PCR) improved substantially to 58.63% from 36.80% YoY due to modified ECL calculations.
Total Revenue from operations grew marginally by 1.25% YoY to ₹27,263 Lakh.
9-month PAT declined 19.3% YoY to ₹10,091 Lakh, largely impacted by a one-time provisioning increase earlier in the fiscal year.
👀 What to Watch
Investors should exercise caution as the rising Stage 3 assets and declining net profit margins suggest operational headwinds. While the higher provision coverage provides a buffer, the trend in asset quality needs to be monitored closely in upcoming quarters.
GIC Housing Finance H1 FY26: 20% Disbursement Growth; GNPA Increases to 4.52%
GIC Housing Finance reported a 20% year-on-year growth in disbursements for H1 FY26, reaching ₹1,023 crore, with a significant 54% sequential jump in Q2. However, Profit After Tax for the half-year declined by 24% to ₹57 crore compared to the previous year. Asset quality saw some pressure as Gross NPA increased to 4.52% in September 2025 from 3.03% in March 2025, primarily due to the merger of the Assets Held for Sale portfolio. The company expanded its footprint by activating 12 new branches in key urban centers and saw its average ticket size rise to ₹31.50 lakhs.
Key Highlights
Disbursements grew 20% YoY to ₹1,023 Cr in H1 FY26, with Q2 FY26 seeing a 54% QoQ surge to ₹620 Cr.
Gross NPA increased to 4.52% (₹491 Cr) in Sep 2025 from 3.03% in Mar 2025, impacted by AHS portfolio merger.
Net Interest Margin (NIM) improved to 3.32% in H1 FY26 from 3.17% in H1 FY25.
Average loan ticket size increased to ₹31.50 Lakhs in H1 FY26 from ₹27.50 Lakhs in FY25.
Profit After Tax (PAT) for H1 FY26 stood at ₹57 Cr, a 24% decline from ₹75 Cr in H1 FY25.
👀 What to Watch
Investors should monitor the recovery in asset quality following the AHS portfolio merger and whether the strong disbursement momentum translates into bottom-line growth in coming quarters.
