GIC Housing Finance Limited

NSE:GICHSGFIN India Mortgage Finance
Market Cap
$90.04 Million
₹7.80 Billion INR
Market Cap Rank
#20496 Global
#1043 in India
Share Price
₹144.80
Change (1 day)
-0.98%
52-Week Range
₹144.80 - ₹204.41
All Time High
₹571.02
About

GIC Housing Finance Limited provides housing finance services in India. The company grants housing loans to individuals, cooperative societies, association of persons, companies, and corporations for purchase of plots, houses, flats, apartments and construction, repair, renovation, upgradation of houses, and flats or apartments for residential purpose. It also provides home loans comprising indiv… Read more

GIC Housing Finance Limited - Asset Resilience Ratio

Latest as of September 2025: 1.56%

GIC Housing Finance Limited (GICHSGFIN) has an Asset Resilience Ratio of 1.56% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets
₹1.73 Billion
Cash + Short-term Investments
Total Assets
₹110.82 Billion
All company assets
Resilience Assessment
Low
Financial Resilience Level

Asset Resilience Ratio Trend (2006–2025)

This chart shows how GIC Housing Finance Limited's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.

Liquid Assets Composition Over Time

This chart breaks down GIC Housing Finance Limited's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.

Current Liquid Assets Breakdown

Component Amount % of Total Assets
Cash & Equivalents ₹1.68 Billion 1.52%
Short-term Investments ₹50.90 Million 0.05%
Total Liquid Assets ₹1.73 Billion 1.56%

Asset Resilience Insights

  • Limited Liquidity: GIC Housing Finance Limited maintains only 1.56% of assets in liquid form.
  • This low level may indicate efficient asset utilization but could pose risks during economic downturns.
  • The company primarily holds liquidity in cash and equivalents rather than short-term investments.

GIC Housing Finance Limited Industry Peers by Asset Resilience Ratio

Compare GIC Housing Finance Limited's asset resilience ratio with other companies in the same industry.

Company Industry Asset Resilience Ratio
PennyMac Financial Services Inc
F:1AC
Mortgage Finance 0.24%
Aadhar Housing Finance Ltd
NSE:AADHARHFC
Mortgage Finance 3.98%
Aavas Financiers Limited
NSE:AAVAS
Mortgage Finance 18.85%
Australian Finance Group Ltd
AU:AFG
Mortgage Finance 0.00%
Atrium Mortgage Investment Corporation
PINK:AMIVF
Mortgage Finance 0.00%
Aptus Value Housing Finance India Limited
NSE:APTUS
Mortgage Finance 3.95%
Bajaj Housing Finance
NSE:BAJAJHFL
Mortgage Finance 0.00%
Better Home & Finance Holding Company
NYSE:BETR
Mortgage Finance 10.91%

Annual Asset Resilience Ratio for GIC Housing Finance Limited (2006–2025)

The table below shows the annual Asset Resilience Ratio data for GIC Housing Finance Limited.

Year Asset Resilience Ratio (%) Liquid Assets Total Assets Change
2025-03-31 0.58% ₹630.00 Million ₹107.75 Billion -0.26pp
2024-03-31 0.84% ₹884.20 Million ₹104.71 Billion -0.16pp
2023-03-31 1.00% ₹1.10 Billion ₹109.20 Billion -3.03pp
2022-03-31 4.04% ₹4.81 Billion ₹119.29 Billion +3.33pp
2021-03-31 0.71% ₹894.60 Million ₹126.41 Billion -0.16pp
2020-03-31 0.87% ₹1.14 Billion ₹130.99 Billion +0.48pp
2019-03-31 0.39% ₹509.00 Million ₹129.67 Billion -0.10pp
2018-03-31 0.49% ₹561.00 Million ₹113.55 Billion -0.17pp
2017-03-31 0.66% ₹609.10 Million ₹92.23 Billion +0.64pp
2016-03-31 0.02% ₹19.70 Million ₹80.21 Billion +91.96pp
2014-03-31 -91.93% ₹-50.73 Billion ₹55.18 Billion -91.96pp
2006-03-31 0.03% ₹5.40 Million ₹17.76 Billion --
pp = percentage points