GIC Housing Finance share price today

GIC Housing Finance Ltd's share price was ₹128.43 at the close on 5 November 2026. It has been falling for 64 weeks. That is 13.0% below its average price over the last 200 trading days. In the last 52 weeks it traded between ₹121 and ₹180, and at that close it sat 13% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today GIC Housing Finance Ltd is in stage 4. The phase helps read everything below.

Over the past 13 weeks it has done worse than the NIFTY 500, and it has been behind for 21 weeks running.

Over the last 11 years the share price moved −41% while the NIFTY 500 moved +251%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 25 June 2026. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

1. Foreign funds (FIIs) cut their stake for 5 quarters in a row

   From 2.7% to 0.9% of the company by the September 2026 quarter.

2. Indian funds and insurers (DIIs) cut their stake for 4 quarters in a row

   From 5.5% to 2.4% of the company by the September 2026 quarter.

GIC Housing Finance paid ₹4.50 a share in regular dividends in the 12 months to 5 November 2026 (1 payment), a yield of 3.50% at the ₹128.43 close on 5 November 2026. The last was a dividend of ₹4.50 a share, ex-date 25 June 2026.

GIC Housing Finance dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. GIC Housing Finance Ltd paid out 16% of its profit as dividends in FY26, and it paid a dividend in each of its last 5 reported years.

From the NSE corporate-actions record, read 5 November 2026.

For April to June 2026 (the quarter ended 30 June 2026), GIC Housing Finance reported total income of ₹267 crore, up 0.8% from ₹265 crore a year earlier, and a profit of ₹10.0 crore, up 42.9% from ₹7.00 crore.

GIC Housing Finance results: April to June 2026 against a year earlier

The next results, for July to September 2026, are due by 14 November 2026: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

From the company's reported quarterly results (quarter ended 30 June 2026). Income and profit in ₹ crore.

GIC Housing Finance closed at ₹128.43 on 5 November 2026, down 25.2% from ₹171.69 a year earlier (7 November 2025) and down 23.2% over five years. Its highest weekly close since March 2016 was ₹608.75 on 16 June 2017.

GIC Housing Finance share price: then and now

Weekly closing prices. Each change is the move from that price to the 5 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

563 weekly closes from 11 March 2016 to 5 November 2026.

5 Nov 2026: GIC Housing Finance closed at ₹128.43, up 6.5% on the week and down 2.4% on the month. Results for April to June 2026: Total income up 0.8% and profit up 42.9% on a year earlier.

Earlier

• 25 Jun 2026: ex-date for a dividend of ₹4.50 a share, record date 26 Jun 2026.

GIC Housing Finance is on 2 of our India lists: 52 week high & low and Dividend stocks.

GIC Housing Finance Ltd earned ₹10.0 Cr of net profit in the Jun 2026 quarter, +42.9% on the same quarter a year earlier. That is the 2nd quarter in a row of profit growth. Full-year FY26 profit was ₹155 Cr. Over 4 years profit has grown −2.8% a year on average. That is 3.7% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹7.0 Cr.

For the full year, FY26 profit was ₹155 Cr (−3.1% on the year before).

Why profit moved: revenue changed +0.8% on a year earlier and the margin moved +1.1 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +30.1% and revenue +1.4%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

GIC Housing Finance Ltd reported ₹267 Cr of income in the Jun 2026 quarter, +0.8% on the same quarter a year earlier. That is the 4th quarter in a row with growth on the year before. Over 4 years it has grown −1.5% a year on average. The last full year, FY26, came in at ₹1,083 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹1,085 Cr.

FY26 revenue was ₹1,083 Cr, +0.4% on the year before.

Recent pace: the last four quarters grew +1.4% on average, against −1.5% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +1.4%, against +1.0% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +22.5%, against −0.3% a year (accelerating).

GIC Housing Finance Ltd's net margin was 3.7% in the Jun 2026 quarter, 1.1 percentage points higher than the same quarter a year ago. Across 5 years it has been between 14.2% and 19.0%. The latest quarter is below every full year in that period.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

GIC Housing Finance Ltd does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up.

GIC Housing Finance Ltd's revenue was ₹1,083 Cr in FY26, +0.4% on the year before, so the loan book is growing. The latest quarter was +0.8% on a year earlier. The net margin on that income is 3.7%, +1.1 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

GIC Housing Finance Ltd's P/BV is 0.3×, near the low end of its own history: it has been lower only 4% of the time. Its usual P/BV (the middle reading) is 0.6×, over 5.1 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 8% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.

Why the multiple is where it is: over the past year book value grew while the price moved −25.2%. Price and book value moved together, so the multiple stayed in its range.

Where the price move came from: over 5 years the price moved −5.2% a year; about +12.4% a year came from book-value growth and about −17.6 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple.

In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple.

GIC Housing Finance Ltd's business is turning around. Profit growth has swung from −18.9% at its low to +22.5%, improving for 3 quarters in a row, with ROE steady at 7.5%. This is based on 12 quarters of 4 measures.

Every business is somewhere on a path of getting better or worse, and this section names where. The last 12 quarters of growth in revenue, profit and earnings per share, plus the return the business earns on its capital, are read as lines. Getting worse: the lines are falling. Turning around: a low point has just formed and the last few quarters are rising from it. Getting better: the rise from the low has lasted. Growing steadily: steady growth with healthy returns. Slowing from a peak: still high, but slowing. When the lines disagree the result is mixed; too little history means no reading. CAGR (compound annual growth rate) is the steady yearly rate that would turn the starting value into the latest one. It is the fairest way to compare growth over different periods. If the 1-year figure is much bigger than the 10-year one, recent growth is running faster than the long-run trend. A dash means there is no figure for that period, or the starting year was a loss, where a growth rate means nothing.

Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it.

Compound annual growth rate (%)

Compound annual growth rate over each period, %. Revenue, profit and EPS come from yearly figures; the share price row is price growth over the same periods. A dash means no figure for that period, or the starting year was a loss.