GIC Housing Finance Ltd

NCD interest payment

• Interest payment of Rs 15.18 crore for NCD ISIN INE289B07107 (976944) paid 24/08/2026; record date 09/08/2026.

NCD 976944 Interest Payment

• Interest payment made: Yes.
• ISIN INE289B07107.
• Issue size: Rs 200,00,00,000/-.
• Interest amount due: Rs 15,18,00,000/-.
• Frequency: Quarterly; coupon dates: Aug 25, 2025; Aug 24, 2026; Aug 24, 2027.
• Interest payment record date: 09/08/2026.
• Due date for interest payment: 24/08/2026.
• Actual date of interest payment: 24/08/2026.
• Amount of interest paid: Rs 15,18,00,000/-.
• Date of last interest payment: 25/08/2025.
• Scrip code: 976944.

Interest payment

• Payment made: Yes.
• ISIN: INE289B07099.
• Issue size: Rs 300 crore.
• Interest amount due: Rs 24.84 crore.
• Frequency: yearly.
• Interest payment record date: 06-08-2026.
• Due date for interest payment: 21-08-2026.
• Actual date of interest payment: 21-08-2026.
• Amount of interest paid: Rs 24.84 crore.
• Date of last interest payment: 21-08-2025.

Redemption payment

• Redemption completed: Yes.
• ISIN: INE289B07099.
• Type of redemption: Full.
• Amount redeemed: Rs 300 crore.
• Due date for redemption/maturity: 21-08-2026.
• Actual date of redemption: 21-08-2026.
• Outstanding amount after redemption: Nil.
• Reason for redemption: Maturity.

Interest payment details

• Interest payment for NCD 976182 was made on 21-08-2026.
• ISIN INE289B07099; Issue size Rs 300,00,00,000.
• Interest amount due and paid: Rs 24,84,00,000.
• Interest frequency: yearly.
• Record date: 06-08-2026; Due date: 21-08-2026.

Redemption details

• Redemption: Full redemption of 30,000 NCDs on 21-08-2026.
• Amount redeemed: Rs 300,00,00,000; Outstanding balance: Nil.
• Reason for redemption: Maturity.
• ISIN INE289B07099; Redemption date due and actual: 21-08-2026.
• No partial redemption; no call/put option.

Appointment: Head of Operations Department

• Type: Appointment of S.R. Ravi as Head of Operations.
• Appointed Head of Operations Department (SMP) on August 21, 2026.
• Board approved on Nomination and Remuneration Committee recommendation.
• Term of appointment: Not Applicable.
• Professional profile: 33+ years in housing finance operations and management.
• Joined as Junior Executive on March 18, 1993 at Chennai Branch.
• Served across Chennai, Trichy, Bhubaneswar, and Corporate Office.
• Experience includes branch management, underwriting, credit, collections, and administration.
• Former Head of Chennai Branch (2001-2005).
• Exposure to SARFAESI enforcement and litigation support before courts.
• Provident Fund Trustee Committee member; governance and provident fund administration.

Cessation: Head of Operations Department

• Smt. Paba Koshy ceases to be Head of Operations Department with effect Aug 21, 2026.
• She continues to serve as Chief Financial Officer (CFO).
• No change in CFO designation or other roles.

Appointment: Head of Operations Department

• S.R. Ravi appointed Head of Operations Department (Senior Management Personnel) effective Aug 21, 2026.
• Reason: Board approved appointment based on Nomination and Remuneration Committee recommendation via Circular Resolution.

Cessation: Head of Operations Department

• Paba Koshy ceases to be Head of Operations; effective Aug 21, 2026; remains CFO.

Financial highlights

• Sanctions ₹384 crore; down from ₹450 crore prior year.
• Disbursements ₹384 crore; down from ₹403 crore prior year.
• Interest income ₹264 crore; up ₹2 crore YoY.
• Total income ₹267 crore; up ₹2 crore YoY.
• Total expenses ₹249 crore; down 13% YoY.
• Profit before tax ₹18 crore; vs ₹-20 crore prior year.
• Profit after tax ₹10 crore; up from ₹8 crore.
• Loan portfolio gross ₹11,185 crore; up 5%.
• NPA: Gross 4.49% (₹502 crore); Net 2.04% (₹222 crore); BVPS ₹393.02.
• Credit ratings: long-term AA+ stable (ICRA/CRISIL).

Financial highlights

• Sanctions: 384 crore, down from 450 crore year-ago.
• Disbursements: 384 crore, down from 403 crore.
• Total income: 267 crore, up from 265 crore.
• Profit before tax: 18 crore vs (20) crore prior year.
• Profit after tax: 10 crore, up from 8 crore.
• Loan portfolio gross: 11,185 crore, up 5% YoY.
• Borrowing portfolio: 9,074 crore, up 4% YoY.
• Net interest margin: 3.24%; down from 3.30%.
• Net NPA portfolio to net advances: 2.04%.
• Gross NPA portfolio: 502 crore; Gross NPA 4.49%.