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GIC Housing Finance Limited — Bonds & AA (CRISIL) Rating

Corporate

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Methodology v1.0 Download Report (PDF)
Latest Rating
AA (CRISIL)
Total Debt Outstanding
₹750 Cr
Across 5 instruments
Listed Bonds
5
First Issue
2024-11-21
Latest Issue
2026-07-29
Maturity Range
2027 - 2028
Observation
5 active bonds tracked from this issuer.
View details →
Coverage: High Data Quality: High Sources: NSE, BSE, SEBI, rating agencies
01 Issuer Overview
Sector
—
Issuer Type
Corporate
First Tracked Bond
2024-11-21
Start of this issuer's debt program timeline
  • 5 active bonds tracked from this issuer.
  • 4 of 4 tracked bonds with a stated security status are secured. (based on 4 bonds with a disclosed security status)
  • Most recent rating action: initial by CRISIL on 2026-09-18.

Operating in India, GIC Housing Finance Limited is classified as a corporate issuer. Bond coupons here span 7.49% - 8.15%, paid annual. The maturity ladder spans 2027 - 2028.

Data sourced from NSDL, BSE, NSE, and registered credit rating agencies. Verify against the issuer's offer document before transacting.

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02 Debt Profile
Outstanding Bonds
5
Tracked by RetailBonds
Amount Tracked
₹750 Cr
Of bonds tracked by RetailBonds — not the issuer's total outstanding debt (disclosed for 4 of 5 bonds)
Avg Coupon
7.69%
Range 7.49% - 8.15%
Avg Remaining Tenure
1.0 Yrs
Nearest maturity 2027-02
Secured
100%
4 of 4 bonds with known status
Callable
0
Of 5 bonds
Avg Spread vs G-Sec
+186 bps
Credit premium (indicative)

Maturity Profile

Active bonds maturing, by year. Bar height relative to the tallest year (3 bonds).

0 2027: 3 bonds, ₹550 Cr tracked, avg coupon 7.56% 3 bonds 2027 2028: 2 bonds, ₹200 Cr tracked, avg coupon 7.90% 2 bonds 2028

Security Type / Instrument Mix

  • NCD 5 bonds · 100% · ₹750 Cr tracked

Funding Evolution

■ Issued that year — Cumulative outstanding (tracked)
2025: ₹600 Cr issued 2025 2026: ₹150 Cr issued 2026 Cumulative: ₹600 Cr Cumulative: ₹750 Cr

Based on 4 of 5 active bonds with a known issue date and issue size — the rest are excluded, not assumed zero.

03 Credit Profile
  • AA 4 bonds · 80%
  • Unrated 1 bonds · 20%
AgencyRatingOutlookBonds
ICRA AA+ — 4
CRISIL AA — 3
CRISIL AA Stable 1

Recent Rating Actions

2026-09-18 · CRISIL
AA+
Initial · Stable
04 Outstanding Bonds View all bonds →
ISIN Bond Name Coupon Rating Maturity YTM Last Trade
INE289B07115 GIC-7.49%-24-2-27-PVT 7.49% AA (CRISIL) 2027-02-24 — —
INE289B07131 GICHFL-7.59%-10-6-27-PVT 7.59% AA (CRISIL) 2027-06-10 — —
INE289B07107 GHFL-7.59%-24-8-27-PVT 7.59% AA (CRISIL) 2027-08-24 — —
INE289B07149 8.15% SECURED RATED LISTED REEDEMABLE NON CONVERTIBLE DEBENTURE SERIES 12 TRANCHE 1 DATE OF MATURITY 28/01/2028 8.15% — 2028-01-28 — —
INE289B07123 GICHFL-7.65%-29-02-28-PVT 7.65% AA (CRISIL) 2028-02-29 7.90% 2026-07-20
Compare (/) Compare Bonds

YTM and Last Trade depend on secondary-market volume — shown only for bonds with a recorded BSE/NSE trade.

05 Market Activity

No recorded secondary-market trades in the last 30 days.

06 Regulatory Filings
NSE Corporate Announcements
Trading Window 2026-09-23
Issue of Securities 2026-09-22
Credit Rating 2026-09-19
Updates 2026-08-24
Updates 2026-08-21
Credit Rating Rationale
07 Methodology & Data Coverage
DatasetCountFreshness
Credit Ratings (current) 8 2026-02-28
Rating Actions History 1 2026-09-18
Secondary-Market Trades 2 2026-07-20
Reg52(4) Payment Disclosures 0 —

Methodology version 1.0. See full methodology for sources and limitations.

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Frequently Asked Questions
How many active bonds does GIC Housing Finance Limited have?

GIC Housing Finance Limited currently has 5 active bonds with coupons 7.49% - 8.15%, maturities spanning 2027 - 2028.

What is GIC Housing Finance Limited's credit rating?

The most recent rating on GIC Housing Finance Limited's bonds is AA (CRISIL), published by CRISIL, ICRA.

Are GIC Housing Finance Limited's bonds secured?

Of the 4 bonds with a disclosed security status, 4 are secured (100%) and 0 are unsecured.

When do GIC Housing Finance Limited's bonds mature?

GIC Housing Finance Limited's active bonds mature between 2027 - 2028; the nearest matures in 2027-02; the average tenure is 1.0 Yrs.

What is the average coupon on GIC Housing Finance Limited's bonds?

The average coupon across GIC Housing Finance Limited's 5 active bonds is 7.69%.

Disclaimer: This page aggregates publicly available data about GIC Housing Finance Limited for informational purposes only. Ratings shown are the opinion of the issuing rating agency and are not buy/sell recommendations. RetailBonds.in does not issue its own ratings or investment advice. Verify all data against the issuer’s offer document before transacting.