Updates

GIC HOUSING FINANCE LTD. GICHFL/SEC/2026-27 August 13, 2026 National Stock Exchange of India Ltd., ‘Exchange Plaza’, C-1, Block G, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051 Scrip Code: GICHSGFIN Dear Sir, Sub: Submission of Financial Highlights for the quarter ended June 30, 2026. We hereby forward the Financial Highlights for the quarter ended June 30, 2026. This is for your information and record purpose. Thanking you, 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. CIN No. : L65922MH1989PLC054583; Tel.:022-43041900 E-mail: corporate@gichf.com ; Website: www.gichfindia.com GIC HOUSING FINANCE LTD FINANCIAL HIGHLIGHTS FOR QUARTER ENDED ON 30-06-2026 1-: in Crorel Quarter Ended Quarter Ended Increase/ Particulars 30-06-2026 30-06-2025 (Decrease) {%) Sanctions 384 450 (15) Disbursements 384 403 (5) Interest Income 264 262 1 Fees & Commission Income 1 1 Other Income 2 2 Total Income 267 265 1 Interest Expenses 173 173 Staff Exoenses 21 17 24 Other Expenses & Depn. 23 17 35 Provision for NPA and others 32 78 (59) Total Expenses 249 285 (13) Profit before Tax 18 (20) 190 Provision for Tax & (DTAl/DTL 8 (28) 129 Profit after Tax after (DTAl/DTL 10 8 125 Quarter Ended Quarter Ended Increase/ Particulars 30-06-2026 30-06-2025 (Decrease) (%) Loan Portfolio Gross 11,185 10,692 5 Borrowing Portfolio 9,074 8,684 4 Share Caoital 54 54 - Networth 2116 1972 7 Net Interest Margin% (NIM) 3.24 3.30 (2) Gross NPA oortfolio 502 507 (1) Gross NPA % 4.49 4.74 (5) Net NPA Portfolio 222 223 Net NPA to Net Advances% 2.04 2.14 (5) Quarter Ended Quarter Ended Increase/ RATIOS As on Ason (Decrease) (%) 30-06-2026 30-06-2025 Earning Per Share 1.86 1.36 38 Cost to Income Ratio 81.24 122.11 (33) Cost to Income Ratio (without NPA provision) 46.81 37.64 24 Yield On Advances 9.62 9.76 (1) Cost of Borrowed Funds % 7.64 8.07 (SI Debt Eauitv Ratio /Times! 4.29 4.40 (3) Return on Net worth 0.47 0.38 24 Return on Total Assets (%) 0.09 0.07 29 Price Earnine: Ratio 81.73 144.05 (43) Book Value of Share 393.02 366.18 7 Total debts to total assets(%) 79.90 80.85 Ill Net Profit Marilin f%l 3.76 2.77 36 Credit Ratings-ICRA Short Term Loan of "'. 1000 Cr. IRatine:l flCRAlAl + Commercial Paper of"'. 1500 Cr.lRating) [ICRAl Al+ Lone: Term Laan af "'. 9000 Cr. IRatine:l flCRAl AA+Stable Non Convertible Debentures of°' 1530 Cr. [ICRA] AA+Stable Credit Ratings-CRISIL Short Term Loan of"'. 1000 Cr. /Rating) CRISILAl + Commercial Paper of "1500 Cr.(Rating) CRISILAl + Long Term Laan of" 8100 Cr. (Rating) CRISIL AA+ Stable Non Convertible Debentures of" 1530 Cr. CRISIL AA+ Stable FOR GIC HOUSING FINANCE LIMITED 4 - ? ~<:>\~G f:'11;_ Paba Koshy Senior Vice President & CFO ~ "A