GIC Housing Finance Limited

About Us

Empowering Dreams of Home Ownership in Goa

GIC Housing Finance Limited (GICHFL) stands as one of India’s most trusted names in housing finance, committed to helping individuals and families realize the dream of owning a home. The Panaji branch in Goa continues this legacy by offering personalized financial solutions within a professional, transparent, and customer-focused environment. Conveniently located on the bustling 18th June Road — one of Goa’s most prominent business corridors — the branch ensures accessibility, reliability, and efficiency in every aspect of housing finance service delivery.

Our Location and Facilities

The GIC Housing Finance Limited branch in Panaji is strategically situated at B-202, 2nd Floor, Aakash Bhavan, 18th June Road, opposite Mathias Plaza, making it easy to locate for clients across the city. The central location places the branch at the heart of Goa’s financial and commercial district, ensuring convenience for salaried professionals, entrepreneurs, and property investors alike.

The office environment is designed to foster productive discussions and efficient service delivery. Clients benefit from a comfortable consultation area, dedicated documentation support, and private meeting spaces for financial discussions. Every detail of the office layout emphasizes professionalism, confidentiality, and efficiency — values that define the GICHFL approach to customer service.

Accessibility is a key advantage. The branch’s proximity to public transport links, major roads, and well-known landmarks like Mathias Plaza ensures that clients can easily reach the office. Parking availability nearby adds further convenience for those arriving by car.

The Panaji branch operates with the highest standards of professionalism, maintaining a secure and welcoming setting where financial matters are handled with care, discretion, and accuracy.

Our Core Services

At GIC Housing Finance Limited, we understand that every client’s housing requirement is unique. Whether purchasing a first home, renovating an existing one, or investing in property, we offer a comprehensive suite of services designed to meet diverse financial needs.

1. Home Loans for Purchase

Our primary offering includes financing for the purchase of new or pre-owned residential properties. These loans cater to a wide range of client profiles, from first-time buyers to experienced property investors.
Key Features:

• Competitive interest rates and flexible tenure options.

• Quick processing and transparent eligibility evaluation.

• Financing available for individual houses, apartments, and builder projects.

• Personalized assistance throughout the loan process — from documentation to disbursement.

This service simplifies the journey toward home ownership, making it achievable, efficient, and stress-free.

2. Home Construction and Extension Loans

For clients who already own a plot of land, GICHFL provides home construction loans designed to finance the building of a new home. These loans support every stage of construction, ensuring smooth progress from foundation to finishing.
Additionally, we offer home extension loans for clients who wish to expand their current property — whether to accommodate a growing family or add new functional spaces.
Benefits:

• Flexible disbursement schedules aligned with construction stages.

• Customized repayment plans to suit the borrower’s financial situation.

• Guidance from experienced professionals for smooth documentation and approval.

3. Home Improvement and Renovation Loans

Every home needs care and maintenance. GIC Housing Finance Limited offers home improvement loans to help homeowners enhance comfort, aesthetics, and property value.
Whether it’s modernizing interiors, upgrading utilities, or renovating an old structure, our financing options are structured to make improvements affordable and convenient.
Highlights:

• Loans available for both minor and major renovations.

• Simple application and minimal paperwork.

• Enhanced property value and improved living standards.

This service is ideal for homeowners seeking to rejuvenate their living spaces without financial strain.

4. Plot Purchase Plus Construction Loans

To make home-building projects simpler, GICHFL offers composite loans that cover both the purchase of residential plots and the construction of homes on them. This integrated financial product helps clients avoid the complexities of managing multiple loans.
Advantages:

• Streamlined process combining land purchase and home construction.

• Single loan structure for simplified repayments.

• Expert assistance throughout the entire process.

These loans enable clients to seamlessly transition from plot ownership to building their dream home.

5. Loans for Non-Resident Indians (NRIs)

GIC Housing Finance recognizes the aspirations of Non-Resident Indians who wish to invest in property or build a home in India. The Panaji branch offers NRI housing loans tailored to meet their unique financial and regulatory requirements.
Key Features:

• Expert support in navigating NRI documentation and legal processes.

• Flexible loan structures designed for NRIs’ income sources.

• Financing available for both self-occupied and investment properties.

Through this service, GICHFL ensures that NRIs can confidently invest in India’s real estate market with professional support and complete transparency.

6. Balance Transfer Facilities

Existing homeowners looking for better loan terms can benefit from GICHFL’s balance transfer facility. This service allows clients to transfer their current home loans from another lender to GIC Housing Finance for improved interest rates or flexible terms.
Benefits:

• Potential reduction in EMI and total interest cost.

• Simplified transfer process with expert documentation support.

• Option to combine balance transfer with top-up loans for additional needs.

The focus is on enhancing customer satisfaction through cost-effective and convenient financial solutions.

Why Choose GIC Housing Finance Limited

Trusted Legacy

As a part of the GIC Group, one of India’s leading financial conglomerates, GIC Housing Finance Limited carries a heritage of reliability, trust, and customer-first values.

Transparent Processes

We prioritize clarity at every step — from loan eligibility to repayment. Clients receive full details of terms, conditions, and charges, ensuring an informed financial decision.

Customized Financial Solutions

Every client’s need is different. Our loan products are tailored to align with individual income profiles, property types, and repayment capabilities.

Expert Guidance

The Panaji branch employs experienced professionals who provide comprehensive advice and support through the entire loan cycle.

Efficient Processing

With a streamlined application and approval system, clients experience minimal delays and maximum convenience.

Community Commitment

Our branch serves as a reliable financial partner for the people of Goa, supporting the state’s growing real estate and housing ecosystem.

Our Mission

To make home ownership accessible and achievable for every aspiring homeowner by providing reliable, transparent, and customer-focused housing finance solutions.

Our Vision

To be a leading housing finance institution that empowers individuals through affordable and secure home financing, while maintaining ethical business practices and customer satisfaction.

Client-Centric Approach

At GIC Housing Finance Limited, customer satisfaction is the cornerstone of our operations. From the moment a client walks into our Panaji branch, they experience a process built around their needs:

• Personalized consultations to understand goals and financial capabilities.

• Transparent advice on loan products and eligibility.

• Continuous support throughout the documentation, sanction, and disbursement stages.

• Post-loan services including repayments, balance transfers, and customer care.

We value long-term relationships, ensuring that every client receives consistent support well beyond loan approval.

Commitment to Excellence

Our Panaji branch exemplifies GICHFL’s broader commitment to excellence. Through professional conduct, accurate service delivery, and an unwavering focus on integrity, the branch upholds the company’s reputation as a trusted housing finance provider.

With a blend of modern financial expertise and customer empathy, GIC Housing Finance Limited continues to be a preferred partner for housing finance in Goa.