Key Information Document for NCD Series 12 Tranche 1

GIC HOUSING FINANCE LTD. 11■11 - ------------------------------ --- GICHFL/SEC/2026-27 July 23, 2026 To, Scrip Code: BSE Limited, Equity - 511676 P.J. Towers, NCDs - 976182, 976945, 976944, 977277, Dalal Street, 977579 Fort, Mumbai - 400001. CPs - 731198, 731633, 731766, 731787, 731886, 731962, 732053 Dear Sir, Sub: Disclosure under Regulation 30 & 51 of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015 - Key Information Document ("KID'J for NCDs 2026-27 Series 12 Tranche 1. Ref. Our earlier letter dated May 15, 2026. (Event date and time of occurrence - July 23, 2026, at 04:00 P.M.) In accordance with Regulation 30 & 51 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed a KID for issue of Secured, Listed, Rated, Redeemable, Taxable, Non-Convertible Debentures 2026-27 Series 12 Tranche 1 on Private Placement basis. The Company uploaded the Key Information Document on EBP Platform today. Further, additional information in terms of Chapter V-A, Para 2.1 of Annexure 18 of SEBI Master Circular No. SEBI/HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026, is enclosed as Annexure-A. This is for your information and record purpose. Yours faithfully, Raj Gor Group Head & Company Secretary Encl.: a/a. Regd. Office : National Insurance Building, 6th Floor, 14, Jamshedji Tata Road, Churchgate, Mumbai -400 020. Tel.: (022) 4304 1900 •Email : corporate@gichf.com •Website: www.gichfindia.com CIN No. : L65922MH1989PLC054583 1r.f( GIC HOUSING FINANCE LTD. Annexure-A Additional Information as per Chapter V-A, Para 2.l(g) of Annexure 18 of SEBI Master Circular No. SEBI/HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026. Sr. Particulars Details: NCD Series 12 Tranche 1 1 Type of securities proposed to be Non - Convertible Debentures issue 2 Type of issuance Private Placement 3 Total number of securities proposed 20,000 securities of Rs. 1,00,000/- each to be issued or the total amount for which the securities will be issued. 4 Size of the issue Rs. 200 Crores (Green shoe option Rs NIL) 5 Whether proposed to be listed? If yes, Yes, BSE Limited name of the stock exchange(s) 6 a) Tenure of the instrument, a) 548 Days b) Date of Allotment (Deemed) and b) July 29, 2026 c) Date of maturity c) January 28, 2028 7 a) Coupon/interest offered, a) 8.15% p.a. b) Schedule of payment of b) First coupon payment on January 28, 2027, coupon/interest and principal and Final coupon payment on January 28, 2028. c) Principal payment on January 28, 2028. 8 Charge/security, if any, created over The Debentures shall be secured by a first the assets ranking exclusive continuing security by way of a first ranking exclusive charge on the Hypothecated Assets in favor of the Debenture Trustee for the benefit of the Debenture Holders. 9 Special right/interest/privileges NA attached to the instrument and changes thereof. 10 Delay in payment of interest I In case of default in Payment of Coupon principal amount for a period of more and/or the Redemption Amounts if any on I than three months from the due date the respective Due Dates or failure in or default in payment of interest / performance by the Company of any other principal terms of the Debentures as set out in the Transaction Documents, additional interest of 2% p.a. (Two Per cent per annum) over and above the Coupon Rate will be payable by the Company for the period during which the default continues, until the same is rectified. Regd. Office : National Insurance Building, 6th Floor, 14, Jamshedji Tata Road, Churchgate, Mumbai -400 020. Tel.: (022) 4304 1900 • Email : corporate@gichf.com • Website : www.gichfindia.com CIN No. : L65922MH1989PLC054583 1f.f( CIC HOUSING FINANCE LTD. --------------------------------- 'l'""'"'tr.,,,,,; - -- 11 Details of any letter or comments No such event regarding payment/non-payment of interest, principal on due dates, or any other matter concerning the security and /or the assets along with its comments thereon, if any 12 Details of redemption of NA preference shares indicating the manner of redemption (whether out of profits or out of fresh issue) and debentures 13 Any cancellation or termination of NA proposal for issuance of securities including reasons thereof. Regd. Office : National Insurance Building, 6th Floor, 14, Jamshedji Tata Road, Churchgate, Mumbai -400 020. Tel.: (022) 4304 1900 •Email : corporate@gichf.com •Website : www.gichfindia.com CIN No. : L65922MH1989PLC054583 For Private Circulation Only KEY INFORMATION DOCUMENT AS PER REGULATION 50A (6) OF SEBI (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021 READ WITH RELEVANT CIRCULARS ISSUED BY SEBI FROM TIME TO TIME (Promoted by General Insurance Corporation of India (GIC-Re), National Insurance Company Limited, The New India Assurance Company Limited, The Oriental Insurance Company Limited, United India Insurance Company Limited Registered and Corporate Office: National Insurance Building, 6th Floor, 14, Jamshedji Tata Road, Churchgate, Mumbai 400020. Tel No: 022-43041950 , 022-43041900 Website: www.gichfindia.com E-mail: treasury@gichf.com , corporate@gichf.com CIN: L65922MH1989PLC054583 PAN: AAACG2755R NHB Reg. No 01.0025.02 dated 7 May 2002 issued by NHB under section 29A of the National Housing Bank Act, 1987. Date & Place of Incorporation: 12 December 1989 - Maharashtra Certificate of registration number issued by National Housing Bank: 01.0025.02 dated 07th May 2002 Date: 23rd July 2026 Type of Issue Document: Key Information Document Issue of listed, secured, rated, taxable, redeemable non-convertible debentures of face value of Rs. 1,00,000 (rupees One Lakh) each for Series 12 Tranche 1 for cash at par for an amount of up to Rs. 200,00,00,000/- (Rupees Two Hundred Crores Only) with green shoe option to retain over-subscription amount up to Rs. NIL aggregating issue size of up to Rs. 200,00,00,000/- (Rupees Two Hundred Crores Only) NCDs in a dematerialised form on a private placement basis (the issue by GICHFL. THIS KEY INFORMATION DOCUMENT SHALL BE READ IN CONJUNCTION WITH THE GENERAL INFORMATION DOCUMENT DATED 6 FEBRUARY 2026 AND THE PRIVATE PLACEMENT OFFER CUM APPLICATION LETTER. Chief Financial Officer Company Secretary & Promoter Compliance Officer Smt. Paba Koshy Shri. Rajkumar Umedlal Gor GENERAL INSURANCE Senior Vice President & CFO +91-22-43041930 CORPORATION OF INDIA +91-22-43041916 Email: raj.gor@gichf.com (GIC-Re). Email: paba.koshy@gichf.com Jamshedji Tata Road, Churchgate, Mumbai- 400020 India. Tel:+912222867000 Email: info@gicre.in THE NEW INDIA ASSURANCE COMPANY LIMITED #87,MG Road, Fort, Mumbai 4000001. Tel:18002091415 Email: tech.support@newindia.co.in NATIONAL INSURANCE COMPANY Premises No. 18-0374, Plot No. CBD- 81, New Town, Kolkata 700156 Tel:033-22022100 Email: Customer.Support@Nic.Co.In Customer.Relations@Nic.Co.In THE ORIENTAL INSURANCE COMPANY LIMITED Block-4, Plate-A, NBCC Office Complex, Kidwai Nagar East, New Delhi - 110023 Tel: 1800118485 Email : csd@orientalinsurance.co.in UNITED INDIA INSURANCE COMPANY LIMITED United Insurance Co Ltd., 24, Whites Road, Chennai- 600014 Tel: 180042533333 Email: customercare@uiic.co.in IDBI Trusteeship Services KFin Technologies Limited CRISIL Ratings Limited Limited Tower B, Plot No 31 & 32, (A subsidiary of CRISIL Universal Insurance Building, Selenuim Building, Limited) Ground Floor, Sir P.M. Road, Gachibowli, Financial District, Crisil Limited Lightbridge IT Fort, Mumbai -400001 Nanakramguda, Park, Saki Vihar Road, Andheri Tel No. (022)40807000, Serilingampally , Hyderabad East, Mumbai -400 072, Fax No. 91-22-66311776 500 032, Telangana, India Maharashtra Contact person: Contact Person: Mr. Umesh Tel: +919893470851 Mr. Sandesh Vaidya Pandey Contact Person: Lakshy Anand E-mail: itsl@idbitrustee.com Email: Email- Website: www.idbitrustee.com umesh.pandey@kfintech.com Id:lakshy.anand1@crisil.com Website: www.kfintech.com Website:www.crisil.com Statutory Auditor [Showing first 8,000 characters — download PDF for full document]