GIC Housing Finance Limited (GICHSGFIN) — Defensive Interval Ratio
GIC Housing Finance Limited (GICHSGFIN) has a Defensive Interval Ratio of 303486 days as of September 2025. Defensive assets of Rs106.26 Billion (cash Rs1.68 Billion, short-term investments Rs50.90 Million, receivables Rs104.53 Billion) cover 303486 days of daily cash needs of Rs350.14K/day. Check GICHSGFIN intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
GIC Housing Finance Limited Defensive Interval Ratio (2012–2025)
This chart shows how GIC Housing Finance Limited's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of September 2025, the ratio stands at 303486 days, meaning defensive assets of Rs106.26 Billion can fund 303486 days of operations without new revenue. Also explore GICHSGFIN shareholders equity momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for GIC Housing Finance Limited (2012–2025)
The table below presents the year-by-year Defensive Interval Ratio for GIC Housing Finance Limited from 2012 to 2025, covering 14 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see GIC Housing Finance Limited stock valuation.
| Year | DIR (days) | Defensive Assets (INR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | Rs645.90 Million | Rs86.36 Million/day | Rs588.20 Million | Rs41.80 Million | ▼ -3 days |
| 2024 | 11 days | Rs893.00 Million | Rs84.26 Million/day | Rs0.00 | Rs884.20 Million | ▼ -3935 days |
| 2023 | 3946 days | Rs1.10 Billion | Rs279.73K/day | Rs896.10 Million | Rs199.10 Million | ▲ +3891 days |
| 2022 | 54 days | Rs4.82 Billion | Rs88.75 Million/day | Rs4.78 Billion | Rs36.50 Million | ▲ +43 days |
| 2021 | 11 days | Rs910.70 Million | Rs83.64 Million/day | Rs867.60 Million | Rs27.00 Million | ▼ -5 days |
| 2020 | 16 days | Rs1.16 Billion | Rs73.24 Million/day | Rs1.11 Billion | Rs33.30 Million | ▲ +9 days |
| 2019 | 7 days | Rs531.50 Million | Rs81.20 Million/day | Rs485.00 Million | Rs24.00 Million | ▼ -5 days |
| 2018 | 12 days | Rs783.50 Million | Rs65.09 Million/day | Rs538.00 Million | Rs23.00 Million | ▼ -83 days |
| 2017 | 95 days | Rs4.78 Billion | Rs50.29 Million/day | Rs587.70 Million | Rs21.40 Million | ▲ +11 days |
| 2016 | 84 days | Rs3.59 Billion | Rs42.76 Million/day | Rs- | Rs19.70 Million | ▲ +8 days |
| 2015 | 76 days | Rs3.12 Billion | Rs41.09 Million/day | Rs- | Rs- | ▲ +1687 days |
| 2014 | -1611 days | Rs-48.05 Billion | Rs29.83 Million/day | Rs- | Rs-50.73 Billion | ▼ -1692 days |
| 2013 | 81 days | Rs2.31 Billion | Rs28.35 Million/day | Rs- | Rs- | ▼ -13 days |
| 2012 | 94 days | Rs2.11 Billion | Rs22.42 Million/day | Rs- | Rs- | — |