GIC Housing Finance Limited

GIC Housing Finance Ltd (GICHFL) is a prominent housing finance company in India, established to provide long-term housing loans to individuals and corporates for residential property purchase or construction. Headquartered in Mumbai, GICHFL operates through a pan-India network of over 70 branches and extension offices, serving customers across urban and semi-urban centers. The company is backed by strong promoters, including the General Insurance Corporation of India and four public sector insurance companies, ensuring governance, credibility, and access to diversified resources.

GICHFL’s lending portfolio focuses on the retail segment, with an emphasis on salaried and self-employed individuals, while cautiously expanding into niche segments such as affordable housing. The company maintains prudent risk controls and compliance systems governed by regulatory standards set by the National Housing Bank (NHB), ensuring operational stability and sustainable portfolio growth.