GIC Housing Finance Q2 Results FY27: Net Profit Rises 14.41% to Rs 57.24 Cr, Revenue Rs 275.53 Cr

GIC Housing Finance Ltd (GICHSGFIN) Q2 Results FY27 announced on 12 November 2026, covering the company's financial performance for the July to September quarter. The consolidated results show revenue of Rs 275.53 Cr against Rs 271.54 Cr a year earlier, with net profit of Rs 57.24 Cr. Readers checking the results date on NSE and BSE will see that GIC Housing Finance Q2 Results FY27 are presented on a Consolidated basis.

This results analysis by Univest covers the financial highlights, business drivers, outlook and risks behind GIC Housing Finance Q2 Results, comparing revenue, Operating Profit and net profit with the same quarter of last year, beginning with the Financial Highlights table that follows this introduction.

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GIC Housing Finance Q2 Results FY27: Financial Highlights

Metric	Q2 FY27 (Sep 26)	Q2 FY26 (Sep 25)	YoY Change
Revenue	Rs 275.53 Cr	Rs 271.54 Cr	+1.47% YoY
Operating Profit	Rs 250.02 Cr	Rs 236.46 Cr	+5.73% YoY
Net Profit (PAT)	Rs 57.24 Cr	Rs 50.03 Cr	+14.41% YoY

Source: company filing for GIC Housing Finance Q2 Results FY27, 12 November 2026. Figures in Rs Crore, Consolidated basis.

Key Takeaways from GIC Housing Finance Q2 Results: What Stands Out

• Revenue of Rs 275.53 Cr grew 1.47% YoY from Rs 271.54 Cr, the sales base for the profit movement in GIC Housing Finance Q2 Results FY27.
• Net profit of Rs 57.24 Cr compares with Rs 50.03 Cr a year earlier, showing YoY growth of 14.41% in the quarterly results.
• Operating Profit was Rs 250.02 Cr against Rs 236.46 Cr a year earlier, showing YoY growth of 5.73%.
• Net profit margin improved to 20.8% from 18.4% in the comparison quarter, so profit grew faster than sales.
• FY26 ratios show return on equity of 7.61%, return on capital employed of 7.75% and debt at 4.30 times total assets.
• Next step: the performance analysis sets the revenue growth against the faster rise in profit.

GIC Housing Finance Q2 Results FY27: Performance Analysis

The quarter shows modest sales growth and a faster rise in profit. Revenue of Rs 275.53 Cr is up 1.47% YoY, while net profit of Rs 57.24 Cr is above the Rs 50.03 Cr reported in the same quarter a year earlier on a consolidated basis.

Within GIC Housing Finance Q2 Results FY27, Operating Profit rose from Rs 236.46 Cr to Rs 250.02 Cr, an increase of 5.73%. Net profit margin improved to 20.8% from 18.4%, which is why the net profit growth of 14.41% is larger than the revenue growth of 1.47%.

Investors reading GIC Housing Finance Q2 Results FY27 can compare these figures with the FY26 return ratios of 7.61% for equity and 7.75% for capital employed. Later disclosures will show whether the GIC Housing Finance Q2 Results trend continues, and these quarterly results are best followed filing by filing, which is where the results analysis turns to the business factors.

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Key Business Factors This Quarter

Revenue Growth – The results analysis begins with revenue growth of 1.5% year on year to Rs 275.53 Cr, the sales base on which GIC Housing Finance Q2 Results FY27 were built for the July to September quarter.

Net Profit Growth – Net profit rose 14.4% year on year to Rs 57.24 Cr, a movement Univest users can verify directly from the reported net profit figures for the two quarters.

Margin Improvement – Net profit margin improved to 20.8% from 18.4% in the comparison quarter, a change that reflects net profit of Rs 57.24 Cr against revenue of Rs 275.53 Cr in these quarterly results.

FY27 Outlook After GIC Housing Finance Q2 Results

Full-year FY27 performance will depend on subsequent quarters and on sector conditions as they are disclosed. After GIC Housing Finance Q2 Results FY27, this results analysis keeps to the reported figures and offers no forward estimate, so the net profit of Rs 57.24 Cr stays the reference for the quarter.

The reported figures in the Financial Highlights table cover revenue, Operating Profit and net profit for both quarters, so readers can check each movement described here against the same consolidated filing. Nothing beyond those figures is projected in this section.

These consolidated results close the first half of the fiscal year with revenue of Rs 275.53 Cr as the latest figure. The next filing will show whether the margin holds at 20.8% against the net profit comparison, and it will also update the FY26 return ratios, which leads into the risks.

Key Risks to Watch After GIC Housing Finance Q2 Results FY27

Low Return Ratios

Return on equity was low at 7.61% in FY26 and return on capital employed was modest at 7.75%. Both full-year ratios are single digit, so investors can compare future YoY growth in earnings against them.

High Debt Relative to Assets

Debt is high at 4.30 times total assets in FY26, a balance sheet ratio that stays relevant even as quarterly net profit rises. The next annual disclosure will update this figure.

Slower Annual Earnings Trend

Annual earnings have slipped across FY22 to FY26, even though GIC Housing Finance Q2 Results FY27 show YoY growth in net profit. Investors can track whether later filings change that longer trend.

Taken together, the revenue growth of 1.47%, the net profit growth of 14.41% and the margin change from 18.4% to 20.8% describe one connected movement, where each higher line follows from the one before it in the consolidated statement.

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Conclusion

GIC Housing Finance Q2 Results FY27 show revenue up 1.47% YoY and net profit up 14.41% YoY to Rs 57.24 Cr, on a Consolidated basis. FY26 return ratios and debt remain the figures to watch. Read with the GIC Housing Finance Q2 Results figures, these quarterly results and consolidated results can be followed on the Univest Screener, and investors should consult a SEBI-registered advisor before acting.

Frequently Asked Questions on GIC Housing Finance Q2 Results FY27

What are GIC Housing Finance Q2 Results FY27?

Ans. GIC Housing Finance Q2 Results FY27 are the consolidated quarterly results for July to September 2026, with revenue of Rs 275.53 Cr and net profit of Rs 57.24 Cr, as the Quick Answer summarises.

What is the results date for GIC Housing Finance Q2 Results FY27?

Ans. The results date is 12 November 2026, when GIC Housing Finance declared its July to September quarter numbers, so the Financial Highlights section reflects that filing, including revenue of Rs 275.53 Cr.

What revenue was reported in GIC Housing Finance Q2 Results FY27?

Ans. GIC Housing Finance reported consolidated revenue of Rs 275.53 Cr for the quarter, compared with Rs 271.54 Cr a year earlier, which is where the Performance Analysis section begins.

What net profit was reported in GIC Housing Finance Q2 Results FY27?

Ans. The company reported net profit of Rs 57.24 Cr, against Rs 50.03 Cr in the same quarter last year, showing YoY growth of 14.41%, as the Key Takeaways section explains.

How much YoY growth did revenue show in GIC Housing Finance Q2 Results FY27?

Ans. Revenue showed YoY growth of 1.47%, rising from Rs 271.54 Cr to Rs 275.53 Cr, while net profit grew faster, as the Performance Analysis section compares.

Did net profit rise or fall in GIC Housing Finance Q2 Results?

Ans. Net profit rose 14.41% YoY, from Rs 50.03 Cr to Rs 57.24 Cr, and net profit margin improved to 20.8% from 18.4%, as the Key Takeaways section notes.

What was the Operating Profit in GIC Housing Finance Q2 Results FY27?

Ans. Operating Profit was Rs 250.02 Cr against Rs 236.46 Cr a year earlier, showing YoY growth of 5.73%, while net profit margin improved to 20.8%, as the Key Takeaways section notes.

Are GIC Housing Finance Q2 Results consolidated results or standalone results?

Ans. These are consolidated results, so the figures cover GIC Housing Finance together with its subsidiaries, while the Financial Highlights table presents revenue, Operating Profit and net profit on that Consolidated basis.

What business factors shaped GIC Housing Finance Q2 Results FY27?

Ans. The disclosed factors are 1.5% YoY revenue growth, 14.4% net profit growth and a net profit margin improving to 20.8% from 18.4%, all covered in the Key Business Factors section.

What are the key risks after GIC Housing Finance Q2 Results FY27?

Ans. The key risks are FY26 return on equity of 7.61%, return on capital employed of 7.75% and debt at 4.30 times total assets, as the Key Risks section explains.

What is the outlook after GIC Housing Finance Q2 Results?

Ans. Full-year FY27 results will depend on subsequent quarters, so the outlook stays tied to upcoming filings, while the FY27 Outlook section uses the reported net profit of Rs 57.24 Cr as its reference.

Where can I find the complete GIC Housing Finance Q2 Results FY27 data?

Ans. The Financial Highlights table in this article compares revenue, Operating Profit and net profit with last year, while the Univest Screener and the Univest app let readers follow the stock further.