GIC Housing Finance Share Price Target 2025, 2026, 2030, 2040, 2050

GIC Housing Finance is a Non-Banking Financial Company (NBFC) owned by the General Insurance Corporation of India. The company gives loans to people to buy, build, or repair homes and also offers loans to builders for housing projects. It was started with the support of many government insurance and finance companies, and now has about 75 offices across India. GICHFL provides different types of loans, like home loans, loans for new or resale homes, and extra top-up loans. It helps both individuals and builders and is known for being honest, clear, and fair in its work.

What is GIC Housing Finance Ltd NSE: GICHSGFIN?

GIC Housing Finance was established in 1989 in Mumbai and is owned by the General Insurance Corporation of India. It is a housing finance company that provides loans to people for buying, building, or repairing homes and also gives loans against property. The company helps both salaried and self-employed people in many parts of India, mainly in small cities and towns. It has more than 70 offices and works to make home loans easy and affordable for middle-class families. The interest rates for loans start from about 8.8% per year, and it is seen as a trusted company, even though there are many big players in the housing finance market.

GIC Housing Finance Share Price Target

GIC Housing Finance Share Price Target 2025

This company is owned and supported by the General Insurance Corporation of India (GIC Re), one of the biggest reinsurance companies in the country. Experienced people from the banking, insurance, and finance fields manage it. The board members follow clear and fair rules to run the company properly. GICHFL always makes financial decisions carefully and follows all the rules and guidelines. In 2025, its share price target would be ₹231, as per stock market analysts.

According to stock market analysts, its share price would be between ₹156 to ₹231 in 2025.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2025	156	231

Month	Minimum Price  (Rs)	Maximum Price (Rs)
January	172	216
February	162	191
March	156	179
April	158	186
May	168	193
June	184	201
July	184	206
August	170	188
September	170	181
October	162	194
November	160	221
December	166	231

GIC Housing Finance Share Price Target 2026

It mainly gives home loans to people who want to buy, build, or repair their homes. It also provides loans to builders and developers who are working on housing projects. Besides home loans, the company offers loans against property and loans for commercial buildings. These loans are made for salaried people, self-employed workers, and business owners. The company helps customers pick the right loan based on their income and how much they can repay. In 2026, its share price target would be ₹310, as per stock market analysts.

According to stock market analysts, its share price would be between ₹225 to ₹310 in 2026.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2026	225	310

Month	Minimum Price  (Rs)	Maximum Price (Rs)
January	225	261
February	227	267
March	231	270
April	235	273
May	239	277
June	242	280
July	247	282
August	250	284
September	251	288
October	258	293
November	260	297
December	269	310

Share Price Target 2027

It has more than 75 offices in different cities and towns across India. This wide network helps the company serve people in both big cities and small towns. The main goal of the company is to make home loans easy and available for everyone, including those in smaller or developing areas. It uses modern technology to make the loan process faster and simpler. Every office has trained staff who help customers with paperwork, checking eligibility, and getting the loan amount. In 2027, its share price target would be ₹390, as per stock market analysts.

According to stock market analysts, its share price would be between ₹300 to ₹390 in 2027.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2027	300	390

Share Price Target 2028

It offers different types of loans to meet the needs of all kinds of customers. Its main loans include home purchase loans, home construction loans, home improvement loans, and balance transfer loans. It also gives top-up loans to people who already have a home loan but need some extra money. The company provides loans for both new and resale homes. In 2028, its share price target would be ₹470, as per stock market analysts.

According to stock market analysts, its share price would be between ₹378 to ₹470 in 2028.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2028	378	470

Share Price Target 2029

One of the main advantages of this company is that it offers home loans at low and affordable interest rates. These rates are suitable for middle-class families who want to buy or build homes. The interest rate usually starts at around 8.8% per year, depending on the person’s income, loan amount, and credit history. The company also provides online calculators on its website so people can easily check their EMI and see how much loan they can get before applying. In 2029, its share price target would be ₹548, as per stock market analysts.

According to stock market analysts, its share price would be between ₹455 to ₹548 in 2029.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2029	455	548

GIC Housing Finance share price Target 2030

The company uses new technology to make its loan process faster and easier for customers. People can fill out forms online, upload their documents, and track their loan progress through the company’s website. This saves time and reduces paperwork. The company can quickly check a person’s credit score, verify documents, and approve loans faster. It is always working to improve its website and systems to give safe and smooth services. It believes that using technology along with friendly customer support is the best way to help people. In 2030, its share price target would be ₹628, as per stock market analysts.

According to stock market analysts, its share price would be between ₹530 to ₹628 in 2030.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2030	530	628

Month	Minimum Price  (Rs)	Maximum Price (Rs)
January	530	571
February	537	576
March	540	581
April	543	584
May	547	588
June	550	592
July	553	597
August	562	600
September	567	607
October	572	612
November	578	622
December	581	628

Share Price Target 2040

It is a strong and reliable company that has been growing well in both customers and loan amounts. It has good financial strength and follows all the rules and standards set by the industry. The company regularly shares its financial reports and keeps its accounts clear and accurate. It also has a strong system to recover loans on time and avoid bad loans. It has built a good reputation and continues to provide affordable home loans to many people in India. In 2040, its share price target would be ₹1030, as per stock market analysts.

According to stock market analysts, its share price would be between ₹946 to ₹1030 in 2040.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2040	946	1030

Month	Minimum Price  (Rs)	Maximum Price (Rs)
January	946	981
February	951	988
March	953	993
April	957	996
May	960	1003
June	968	1010
July	969	1014
August	971	1018
September	973	1021
October	978	1024
November	982	1027
December	987	1030

Share Price Target 2050

It follows all the important rules for checking customer details, approving loans, and managing risks. The company also updates its policies regularly to match new government guidelines. Its financial reports and accounts are checked by experts to make sure they are clear and correct. This careful and honest way of working helps keep customers and investors safe. In 2050, its share price target would be ₹1433, as per stock market analysts.

According to stock market analysts, its share price would be between ₹1338 to ₹1433 in 2050.

Year	Minimum Price (Rs)	Maximum Price (Rs)
2050	1338	1433

Month	Minimum Price  (Rs)	Maximum Price (Rs)
January	1338	1378
February	1344	1383
March	1347	1385
April	1351	1387
May	1354	1393
June	1359	1396
July	1363	1398
August	1367	1405
September	1372	1413
October	1377	1420
November	1381	1427
December	1389	1433

Should I buy GIC Housing Finance stock?

Year	Minimum Price (Rs)	Maximum Price (Rs)
2025	156	231
2026	225	310
2027	300	390
2028	378	470
2029	455	548
2030	530	628
2040	946	1030
2050	1338	1433

It can be a good choice for people who want to invest for the long term in a stable company. It is supported by the General Insurance Corporation of India, which makes it a trusted name. The stock price is low compared to its earnings and overall value, which may make it a good deal. However, the company’s growth is slow, and the returns are average. It also faces risks like changes in interest rates and strong competition from bigger companies. Overall, it is a safe and steady stock for investors who want stable returns, not quick profits.

GIC Housing Finance earnings results

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue +	1,252	1,232	1,152	1,123	1,060	1,079	1,070
Interest	946	823	702	703	711	703	702
Expenses +	191	277	216	126	140	151	209
Financing Profit	116	131	234	294	209	225	159
Financing Margin %	9%	11%	20%	26%	20%	21%	15%
Other Income +	3	8	5	6	10	-3	-6
Depreciation	6	4	9	10	15	15	14
Profit before tax	112	135	230	290	204	206	139
Tax %	59%	22%	25%	26%	26%	22%
Net Profit +	46	106	174	213	151	160	129
EPS in Rs	8.47	19.60	32.23	39.59	28.07	29.74	23.87
Dividend Payout %	24%	20%	14%	11%	16%	15%

Key Metrics

TTM PE Ratio	PB Ratio	Dividend Yield	Sector PE	Sector PB	Sector Div Yld
7.39	0.48	2.54%	17.79	2.41	0.98%

Peers & Comparison

Stock	PE Ratio	PB Ratio	Dividend Yield
GIC Housing Finance Ltd	5.94	0.48	2.54%
LIC Housing Finance Ltd	5.91	0.88	1.71%
PNB Housing Finance Ltd	12.48	1.43	0.54%
Aptus Value Housing Finance India Ltd	20.91	3.64	1.43%

Is GIC Housing Finance stock good to buy? (bull case & bear case)

Bull Case:

• In FY25, it earned a total income of about ₹1,557 crore, which shows stable growth compared to last year.
• Its net profit for FY25 was around ₹160 crore, showing that the company can still make good profits even when the market is tough.
• The company’s book value per share was close to ₹364, which means it has strong assets and good financial strength.
• The capital adequacy ratio (CAR) is around 20%, which is higher than what the RBI requires, showing that the company is financially safe.
• It has more than 75 offices across India, helping it reach both city and small-town customers.
• The company is supported by the General Insurance Corporation of India (GIC Re), which gives it strong trust and backing.
• Its home loan interest rates start from about 8.8% per year, which is attractive for middle-class people.

Bear Case:

• Sales growth in the last five years has been weak, with a fall of about 2.9% every year.
• The return on equity (ROE) is around 9%, which is lower than big players like HDFC Ltd. or LIC Housing Finance.
• It faces strong competition from larger housing finance companies and private banks that offer faster and more digital services.
• The company’s profit growth may stay slow, around 8–10% per year, in the next few years.

Conclusion

It is a trusted company in India that helps people buy, build, or repair their homes. It is owned by the General Insurance Corporation of India (GIC Re), which makes it strong and reliable. The company offers many types of home loans with simple rules and low interest rates, starting at around 8.8% per year. It has a strong financial position with a capital adequacy ratio of about 20% and more than 75 offices across India, helping both city and small-town customers. It is a good choice for people who want long-term and stable returns instead of quick profits.

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