GIC Housing Finance Limited
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
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
Total Assets
Resilience Assessment
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 | -- |