Investor Presentation

GIC Housing Finance (GICHF) reported robust disbursement growth but a dip in H1 FY26 profits. **Business Performance:** AUM grew 4.76% YoY to ₹10,870 Cr for H1 FY26. Disbursements surged 20% YoY to ₹1,023 Cr in H1 FY26, with Q2 seeing a significant 54% QoQ jump.

Average loan ticket size increased to ₹31.50 Lakhs from ₹27.50 Lakhs.

However, H1 FY26 Profit After Tax declined 24% YoY to ₹57 Cr, primarily due to higher impairment provisions.

Gross NPA percentage also rose to 4.52% for H1 FY26, partly attributed to an Assets Held for Sale (AHS) portfolio merger. **Growth Drivers & Strategy:** GICHF expanded its reach by activating 12 new branches in key urban centers.

The company has also optimized its sourcing strategy through a wholly-owned subsidiary, digital leads, and agent networks.

To manage asset quality, new Board-approved One-Time Settlement (OTS) and Collection & Recovery policies are now in place. **Outlook:** Management remains focused on continued market penetration, digital transformation, and product innovation.

They are actively working to reduce delinquencies and maintain strong asset quality.