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Life Insurance Corporation of India

Finance & Investments

BSE Code 543526	ISIN Demat INE0J1Y01017	Book Value 199.87	NSE Symbol LICI	Dividend Yield (%) 1.33	Market Cap (₹ Cr.) 568,933.54	P/E 11.69	EPS 76.96	Face Value 10

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

OPERATING RESULTS :
Gross premiums Written:	119333.04	147886.01	107015.19	120047.48
(a) First Year Premium	7,525.26	11,068.87	7,284.64	11,201.44
(b) Renewal Premium	59,884.79	79,138.32	64,585.88	61,910.04
(c) Single Premium	51,922.99	57,678.82	35,144.67	46,936.00
(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)	119,200.39	147,585.56	106,891.48	119,900.99
Income from investments (Net) (Insurance)	102,930.20	93,132.67	94,335.72	108,972.43
Other income (Insurance)	130.09	222.42	149.85	144.76
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	130.09	222.42	149.85	144.76
Transfer of fund from Shareholders' A/c	602.93	684.37	616.63	601.52
Total Income	222,260.68	241,625.02	201,993.68	229,619.70
Commission & Brokerage (net) :
(a) First Year Commission	1,743.37	2,792.98	2,259.19	2,749.43
(b) Renewal Commission	3,081.95	4,651.87	3,555.62	3,221.24
(c) Single Commission	124.25	266.62	150.85	162.98
(d) Other Commission	0.00	0.00	0.00	407.91
Net Commission	4,949.57	7,711.47	5,965.66	6,541.56
Operating Expenses related to insurance business (ab)	6,946.07	8,783.61	8,450.14	9,750.22
(a) Employees remuneration and welfare expenses	5,673.09	5,928.48	6,691.23	7,739.65
(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·	1,272.98	2,855.13	1,758.91	2,010.57
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	198,213.78	204,268.09	174,596.53	205,808.59
(a) Claims Paid / Benefit Paid	97,056.11	142,245.16	94,682.89	97,562.33
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	101,157.67	62,022.93	79,913.64	108,246.26
Total Expense	210,109.42	220,763.17	189,012.33	222,100.37
Underwriting Profit/Loss	-90,909.03	-73,177.61	-82,120.85	-102,199.38
Provisions for doubtful debts (Including bad debts written off)	-26.06	-1,014.95	-17.75	-349.63
Provisions for diminution In value of investments	-385.92	-414.89	295.54	-542.54
Provisions for goods and service tax / service tax charge on linked charges	43.63	85.88	56.91	55.94
Provision for tax	1,583.72	3,386.28	1,694.78	1,102.32
Total Expenses Including Provisions	211,324.79	222,805.49	191,041.81	222,366.46
Operating Profit/Loss:	10,935.89	18,819.53	10,951.87	7,253.24
Appropriations	10,935.89	18,819.53	10,951.87	7,253.24
(a) Transfer to Profit and Loss A/c	10,791.67	18,402.75	10,898.47	7,242.29
(b) Transfer to Reserves / Shareholders' A/c	144.22	416.78	53.40	10.95
(c) Fund for Future Appropriations	0.00	0.00	0.00	0.00
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	875.22	546.52	940.41	859.76
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00
(c) Allocation of bonus to Policyholders	0.00	56,235.93	95.17	0.00
(d) Surplus Shown in the Revenue A/c	10,935.89	18,819.53	10,951.87	7,253.24
Total Surplus / Deficit	11,811.11	75,601.98	11,987.45	8,113.00
NON OPERATING RESULTS
Income in Shareholders' account (abc)	12,578.40	20,163.88	12,494.70	8,699.93
(a) Transfer from Policyholders' Fund	10,791.67	18,402.75	10,898.47	7,242.29
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	1,786.73	1,761.13	1,596.23	1,457.64
Income from investments	1,786.73	1,761.13	1,596.23	1,457.64
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	515.62	23.51	364.17	26.73
Transfer of fund to Policyholders' A/c	1,059.36	1,140.81	1,073.04	1,057.94
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	-2.72	-13.23	1.02	-5.60
Total Expenses	1,572.26	1,151.09	1,438.23	1,079.07
Profit/Loss before Extraordinary items	11,006.14	19,012.79	11,056.47	7,620.86
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	11,006.14	19,012.79	11,056.47	7,620.86
Provisions for tax	19.63	0.00	0.00	0.00
Profit/(loss) after tax	10,986.51	19,012.79	11,056.47	7,620.86
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	10,986.51	19,012.79	11,056.47	7,620.86
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	131,053.94	120,067.43	101,054.64	89,998.17
Paid up equity share capital	6,325.00	6,325.00	6,325.00	6,325.00
Reserve & Surplus (excluding Revaluation Reserve)	131,082.27	120,095.76	101,082.98	90,026.99
Fair Value Change Account and Revaluation Reserve	916.63	-233.02	-80.17	274.17
Face Value	0.00	0.00	0.00	0.00
Total Assets:
(a) Investments:	5,531,689.15	5,288,616.60	5,322,427.33	5,390,776.41
- Shareholders' Fund	123,558.50	104,025.81	95,074.51	87,384.11
- Policyholders' Fund	5,354,407.93	5,136,278.80	5,183,692.25	5,259,589.69
- Assets held to cover linked liabilities	53,722.72	48,311.99	43,660.57	43,802.61
(b) Other Assets (Net of current liabilities and provisions)	263,914.55	286,537.96	230,341.41	243,995.29
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	2.17	2.11	2.02	1.98
Expenses of Management Ratio	10.47	11.15	13.47	13.57
Policyholder's Liabilities to Shareholder's fund	40.90	43.18	50.74	57.32
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	17.37	30.06	17.48	12.05
(b) Diluted EPS	17.37	30.06	17.48	12.05
NPA ratios:
a) Gross NPAs	8,436.46	8,442.89	9,662.94	9,724.26
b) Net NPAs	3.63	5.47	7.58	6.17
(%) Gross Non Performing Assets	1.42	1.46	1.64	1.72
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00