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General Insurance Corporation of India

Finance & Investments

BSE Code 540755	ISIN Demat INE481Y01014	Book Value 328.45	NSE Symbol GICRE	Dividend Yield (%) 2.56	Market Cap (₹ Cr.) 68,570.72	P/E 10.23	EPS 38.2	Face Value 5

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

OPERATING RESULTS :
Gross premiums Written:	10367.08	9967.71	8413.49	12405.68
(a) First Year Premium	0.00	0.00	0.00	0.00
(b) Renewal Premium	0.00	0.00	0.00	0.00
(c) Single Premium	0.00	0.00	0.00	0.00
(d) Other Gross Premiums	10,367.08	9,967.71	8,413.49	12,405.68
Net premium written	9,420.91	9,281.03	7,603.76	1,158.51
Premium Earned(Net)	8,680.15	8,539.50	8,647.04	10,063.56
Income from investments (Net) (Insurance)	2,650.24	1,702.93	2,441.63	1,919.16
Other income (Insurance)	33.87	236.89	-108.76	-18.40
Foreign Exchange Gain/(Loss)	33.87	236.89	-108.76	-18.40
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00
Miscellaneous Income	0.00	0.00	0.00	0.00
Transfer of fund from Shareholders' A/c	0.00	0.00	0.00	0.00
Total Income	11,364.26	10,479.32	10,979.91	11,964.32
Commission & Brokerage (net) :
(a) First Year Commission	0.00	0.00	0.00	0.00
(b) Renewal Commission	0.00	0.00	0.00	0.00
(c) Single Commission	0.00	0.00	0.00	0.00
(d) Other Commission	1,910.23	1,771.81	1,493.68	2,196.82
Net Commission	1,910.23	1,771.81	1,493.68	2,196.82
Operating Expenses related to insurance business (ab)	102.92	84.58	57.99	91.36
(a) Employees remuneration and welfare expenses	52.49	39.82	28.73	36.50
(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·	50.43	44.76	29.26	54.86
Premium Deficiency	-41.10	2.09	-9.84	11.23
Incurred Claims: -	7,134.23	7,500.30	8,084.87	9,034.28
(a) Claims Paid / Benefit Paid	6,941.82	6,921.95	4,666.86	7,458.04
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	192.41	578.35	3,418.01	1,576.24
(c) Changes in Actuarial Liabilities	0.00	0.00	0.00	0.00
Total Expense	9,106.28	9,358.78	9,626.70	11,333.69
Underwriting Profit/Loss	-426.13	-819.28	-979.66	-1,270.13
Provisions for doubtful debts (Including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments	0.00	0.00	0.00	0.00
Provisions for goods and service tax / service tax charge on linked charges	0.00	0.00	0.00	0.00
Provision for tax	0.00	0.00	0.00	0.00
Total Expenses Including Provisions	9,106.28	9,358.78	9,626.70	11,333.69
Operating Profit/Loss:	2,257.98	1,120.54	1,353.21	630.63
Appropriations	2,257.98	1,120.54	1,353.21	630.63
(a) Transfer to Profit and Loss A/c	1,660.03	1,120.54	1,353.21	630.63
(b) Transfer to Reserves / Shareholders' A/c	597.95	0.00	0.00	0.00
(c) Fund for Future Appropriations	0.00	0.00	0.00	0.00
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	0.00	0.00	0.00	0.00
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00
(c) Allocation of bonus to Policyholders	0.00	0.00	0.00	0.00
(d) Surplus Shown in the Revenue A/c	0.00	0.00	0.00	0.00
Total Surplus / Deficit	0.00	0.00	0.00	0.00
NON OPERATING RESULTS
Income in Shareholders' account (abc)	3,025.93	2,073.81	2,419.50	1,489.02
(a) Transfer from Policyholders' Fund	1,660.03	1,120.54	1,353.21	630.63
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	1,365.90	953.27	1,066.29	858.39
Income from investments	1,252.78	924.25	1,041.71	839.83
Other income	113.12	29.02	24.58	18.56
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	28.09	-27.49	73.61	33.56
Transfer of fund to Policyholders' A/c	0.00	0.00	0.00	0.00
Provisions for doudtful debts (including bad debts written off)	7.30	-71.78	60.74	58.24
Provisions for diminution in value of Investments / Amortisation of premium on investments	67.88	4.39	4.02	4.07
Total Expenses	103.27	-94.88	138.37	95.87
Profit/Loss before Extraordinary items	2,922.66	2,168.69	2,281.13	1,393.15
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	2,922.66	2,168.69	2,281.13	1,393.15
Provisions for tax	739.77	547.34	420.37	356.79
Profit/(loss) after tax	2,182.89	1,621.35	1,860.76	1,036.36
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	2,182.89	1,621.35	1,860.76	1,036.36
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	2,182.89	1,621.35	106.36	18,358.02
Paid up equity share capital	877.20	877.20	877.20	877.20
Reserve & Surplus (excluding Revaluation Reserve)	43,927.32	40,968.33	39,704.17	38,858.08
Fair Value Change Account and Revaluation Reserve	40,117.81	45,058.21	51,436.38	47,290.78
Face Value	5.00	5.00	5.00	5.00
Total Assets:
(a) Investments:	138,073.74	139,540.92	143,305.29	137,863.69
- Shareholders' Fund	44,728.58	44,799.87	44,352.30	43,074.50
- Policyholders' Fund	93,345.16	94,741.05	98,952.99	94,789.19
- Assets held to cover linked liabilities	0.00	0.00	0.00	0.00
(b) Other Assets (Net of current liabilities and provisions)	-53,151.41	-52,637.18	-51,287.54	-50,837.63
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	3.70	3.52	3.42	3.36
Expenses of Management Ratio	1.09	0.91	0.76	0.79
Policyholder's Liabilities to Shareholder's fund	0.00	0.00	0.00	0.00
Incurred Claim Ratio	82.19	87.83	93.65	89.77
Net retention ratio	90.87	93.11	90.38	93.01
Combined ratio:	103.56	107.83	114.05	109.60
Adjusted Combined Ratio	75.43	89.48	81.94	92.97
Earnings per share (in Rs):
(a) Basic EPS	12.44	9.24	10.61	5.91
(b) Diluted EPS	12.44	9.24	10.61	5.91
NPA ratios:
a) Gross NPAs	0.01	0.02	0.02	0.02
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.00	0.00	0.00	0.00
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00