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Life Insurance Corporation of India

Finance & Investments

BSE Code 543526	ISIN Demat INE0J1Y01017	Book Value 222.62	NSE Symbol LICI	Dividend Yield (%) 1.38	Market Cap (₹ Cr.) 548,820.05	P/E 10.74	EPS 80.81	Face Value 10

Particulars (₹ Cr)	Sep 2025	Jun 2025	Mar 2025	Dec 2024

OPERATING RESULTS :
Gross premiums Written:	126634.14	119333.04	147886.01	107015.19
(a) First Year Premium	10,835.63	7,525.26	11,068.87	7,284.64
(b) Renewal Premium	64,995.67	59,884.79	79,138.32	64,585.88
(c) Single Premium	50,802.84	51,922.99	57,678.82	35,144.67
(d) Other Gross Premiums	0.00	0.00	0.00	0.00
Net premium written	0.00	0.00	0.00	0.00
Premium Earned(Net)	126,479.26	119,200.39	147,585.56	106,891.48
Income from investments (Net) (Insurance)	112,147.16	102,930.20	93,132.67	94,335.72
Other income (Insurance)	134.23	130.09	222.42	149.85
Foreign Exchange Gain/(Loss)	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00
Miscellaneous Income	134.23	130.09	222.42	149.85
Transfer of fund from Shareholders' A/c	853.04	602.93	684.37	616.63
Total Income	239,613.69	222,863.61	241,625.02	201,993.68
Commission & Brokerage (net) :
(a) First Year Commission	2,189.73	1,743.37	2,792.98	2,259.19
(b) Renewal Commission	3,379.18	3,081.95	4,651.87	3,555.62
(c) Single Commission	203.24	124.25	266.62	150.85
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	5,772.15	4,949.57	7,711.47	5,965.66
Operating Expenses related to insurance business (ab)	9,462.22	7,549.00	8,783.61	8,450.14
(a) Employees remuneration and welfare expenses	7,510.40	5,673.09	5,928.48	6,691.23
(c) Advertisements	0.00	0.00	0.00	0.00
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	1,951.82	1,875.91	2,855.13	1,758.91
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	213,858.94	198,213.78	204,268.09	174,596.53
(a) Claims Paid / Benefit Paid	106,250.36	97,056.11	142,245.16	94,682.89
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	107,608.58	101,157.67	62,022.93	79,913.64
Total Expense	229,093.31	210,712.35	220,763.17	189,012.33
Underwriting Profit/Loss	-102,614.05	-91,511.96	-73,177.61	-82,120.85
Provisions for doubtful debts (Including bad debts written off)	-156.46	-26.06	-1,014.95	-17.75
Provisions for diminution In value of investments	-245.11	-385.92	-414.89	295.54
Provisions for goods and service tax / service tax charge on linked charges	81.82	43.63	85.88	56.91
Provision for tax	1,386.57	1,583.72	3,386.28	1,694.78
Total Expenses Including Provisions	230,160.13	211,927.72	222,805.49	191,041.81
Operating Profit/Loss:	9,453.56	10,935.89	18,819.53	10,951.87
Appropriations	9,453.56	10,935.89	18,819.53	10,951.87
(a) Transfer to Profit and Loss A/c	9,413.61	10,791.67	18,402.75	10,898.47
(b) Transfer to Reserves / Shareholders' A/c	39.95	144.22	416.78	53.40
(c) Fund for Future Appropriations	0.00	0.00	0.00	0.00
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	1,137.54	875.22	546.52	940.41
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00
(c) Allocation of bonus to Policyholders	0.00	0.00	56,235.93	95.17
(d) Surplus Shown in the Revenue A/c	9,453.56	10,935.89	18,819.53	10,951.87
Total Surplus / Deficit	10,591.10	11,811.11	75,601.98	11,987.45
NON OPERATING RESULTS
Income in Shareholders' account (abc)	11,476.99	12,578.40	20,163.88	12,494.70
(a) Transfer from Policyholders' Fund	9,413.61	10,791.67	18,402.75	10,898.47
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	2,063.38	1,786.73	1,761.13	1,596.23
Income from investments	2,063.38	1,786.73	1,761.13	1,596.23
Other income	0.00	0.00	0.00	0.00
Expenses :
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00
Expenses other than those related to insurance business	42.49	515.62	23.51	364.17
Transfer of fund to Policyholders' A/c	1,309.46	1,059.36	1,140.81	1,073.04
Provisions for doudtful debts (including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution in value of Investments / Amortisation of premium on investments	-21.93	-2.72	-13.23	1.02
Total Expenses	1,330.02	1,572.26	1,151.09	1,438.23
Profit/Loss before Extraordinary items	10,146.97	11,006.14	19,012.79	11,056.47
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	10,146.97	11,006.14	19,012.79	11,056.47
Provisions for tax	93.58	19.63	0.00	0.00
Profit/(loss) after tax	10,053.39	10,986.51	19,012.79	11,056.47
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	10,053.39	10,986.51	19,012.79	11,056.47
Dividend per share (Rs)	0.00	0.00	0.00	0.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	0.00	0.00	0.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	133,517.33	131,053.94	120,067.43	101,054.64
Paid up equity share capital	6,325.00	6,325.00	6,325.00	6,325.00
Reserve & Surplus (excluding Revaluation Reserve)	133,546.23	131,082.27	120,095.76	101,082.98
Fair Value Change Account and Revaluation Reserve	933.74	916.63	-233.02	-80.17
Face Value	0.00	0.00	0.00	0.00
Total Assets:
(a) Investments:	5,540,188.52	5,531,689.15	5,288,616.60	5,322,427.33
- Shareholders' Fund	128,470.47	123,558.50	104,025.81	95,074.51
- Policyholders' Fund	5,354,740.62	5,354,407.93	5,136,278.80	5,183,692.25
- Assets held to cover linked liabilities	56,977.43	53,722.72	48,311.99	43,660.57
(b) Other Assets (Net of current liabilities and provisions)	279,327.74	263,914.55	286,537.96	230,341.41
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	2.13	2.17	2.11	2.02
Expenses of Management Ratio	12.03	10.47	11.15	13.47
Policyholder's Liabilities to Shareholder's fund	40.33	40.90	43.18	50.74
Incurred Claim Ratio	0.00	0.00	0.00	0.00
Net retention ratio	0.00	0.00	0.00	0.00
Combined ratio:	0.00	0.00	0.00	0.00
Adjusted Combined Ratio	0.00	0.00	0.00	0.00
Earnings per share (in Rs):
(a) Basic EPS	15.89	17.37	30.06	17.48
(b) Diluted EPS	15.89	17.37	30.06	17.48
NPA ratios:
a) Gross NPAs	8,048.98	8,436.46	8,442.89	9,662.94
b) Net NPAs	3.94	3.63	5.47	7.58
(%) Gross Non Performing Assets	1.34	1.42	1.46	1.64
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00