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Life Insurance Corporation of India

Finance & Investments

BSE Code 543526	ISIN Demat INE0J1Y01017	Book Value 199.51	NSE Symbol LICI	Dividend Yield (%) 1.28	Market Cap (₹ Cr.) 593,379.66	P/E 12.32	EPS 76.13	Face Value 10

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

OPERATING RESULTS :
Gross premiums Written:	147886.01	107015.19	120047.48	113900.24
(a) First Year Premium	11,068.87	7,284.64	11,201.44	7,470.43
(b) Renewal Premium	79,138.32	64,585.88	61,910.04	56,429.19
(c) Single Premium	57,678.82	35,144.67	46,936.00	50,000.62
(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)	147,585.56	106,891.48	119,900.99	113,770.14
Income from investments (Net) (Insurance)	93,132.67	94,335.72	108,972.43	96,182.56
Other income (Insurance)	222.42	149.85	144.76	145.48
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	222.42	149.85	144.76	145.48
Transfer of fund from Shareholders' A/c	684.37	616.63	601.52	811.64
Total Income	241,625.02	201,993.68	229,619.70	210,909.82
Commission & Brokerage (net) :
(a) First Year Commission	2,792.98	2,259.19	2,749.43	2,018.18
(b) Renewal Commission	4,651.87	3,555.62	3,221.24	2,917.26
(c) Single Commission	266.62	150.85	162.98	91.63
(d) Other Commission	0.00	0.00	407.91	63.00
Net Commission	7,711.47	5,965.66	6,541.56	5,090.07
Operating Expenses related to insurance business (ab)	8,783.61	8,450.14	9,750.22	8,431.23
(a) Employees remuneration and welfare expenses	5,928.48	6,691.23	7,739.65	6,536.64
(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·	2,855.13	1,758.91	2,010.57	1,894.59
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	204,268.09	174,596.53	205,808.59	185,015.78
(a) Claims Paid / Benefit Paid	142,245.16	94,682.89	97,562.33	81,864.31
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	62,022.93	79,913.64	108,246.26	103,151.47
Total Expense	220,763.17	189,012.33	222,100.37	198,537.08
Underwriting Profit/Loss	-73,177.61	-82,120.85	-102,199.38	-84,766.94
Provisions for doubtful debts (Including bad debts written off)	-1,014.95	-17.75	-349.63	-163.46
Provisions for diminution In value of investments	-414.89	295.54	-542.54	35.10
Provisions for goods and service tax / service tax charge on linked charges	85.88	56.91	55.94	24.61
Provision for tax	3,386.28	1,694.78	1,102.32	1,589.11
Total Expenses Including Provisions	222,805.49	191,041.81	222,366.46	200,022.44
Operating Profit/Loss:	18,819.53	10,951.87	7,253.24	10,887.38
Appropriations	18,819.53	10,951.87	7,253.24	10,887.38
(a) Transfer to Profit and Loss A/c	18,402.75	10,898.47	7,242.29	10,779.86
(b) Transfer to Reserves / Shareholders' A/c	416.78	53.40	10.95	107.52
(c) Fund for Future Appropriations	0.00	0.00	0.00	0.00
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	546.52	940.41	859.76	729.11
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00
(c) Allocation of bonus to Policyholders	56,235.93	95.17	0.00	0.00
(d) Surplus Shown in the Revenue A/c	18,819.53	10,951.87	7,253.24	0.00
Total Surplus / Deficit	75,601.98	11,987.45	8,113.00	729.11
NON OPERATING RESULTS
Income in Shareholders' account (abc)	20,163.88	12,494.70	8,699.93	11,956.57
(a) Transfer from Policyholders' Fund	18,402.75	10,898.47	7,242.29	10,779.86
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	1,761.13	1,596.23	1,457.64	1,176.71
Income from investments	1,761.13	1,596.23	1,457.64	1,176.71
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	23.51	364.17	26.73	227.83
Transfer of fund to Policyholders' A/c	1,140.81	1,073.04	1,057.94	1,268.07
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	-13.23	1.02	-5.60	-0.38
Total Expenses	1,151.09	1,438.23	1,079.07	1,495.52
Profit/Loss before Extraordinary items	19,012.79	11,056.47	7,620.86	10,461.05
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	19,012.79	11,056.47	7,620.86	10,461.05
Provisions for tax	0.00	0.00	0.00	0.00
Profit/(loss) after tax	19,012.79	11,056.47	7,620.86	10,461.05
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	19,012.79	11,056.47	7,620.86	10,461.05
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	120,067.43	101,054.64	89,998.17	86,172.31
Paid up equity share capital	6,325.00	6,325.00	6,325.00	6,325.00
Reserve & Surplus (excluding Revaluation Reserve)	120,095.76	101,082.98	90,026.99	86,201.13
Fair Value Change Account and Revaluation Reserve	-233.02	-80.17	274.17	36.08
Face Value	0.00	0.00	0.00	0.00
Total Assets:
(a) Investments:	5,288,616.60	5,322,427.33	5,390,776.41	5,188,654.87
- Shareholders' Fund	104,025.81	95,074.51	87,384.11	70,286.13
- Policyholders' Fund	5,136,278.80	5,183,692.25	5,259,589.69	5,079,688.70
- Assets held to cover linked liabilities	48,311.99	43,660.57	43,802.61	38,680.04
(b) Other Assets (Net of current liabilities and provisions)	286,537.96	230,341.41	243,995.29	38,680.04
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	2.11	2.02	1.98	1.99
Expenses of Management Ratio	11.15	13.47	13.57	11.87
Policyholder's Liabilities to Shareholder's fund	43.18	50.74	57.32	57.87
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	30.06	17.48	12.05	16.54
(b) Diluted EPS	30.06	17.48	12.05	16.54
NPA ratios:
a) Gross NPAs	8,442.89	9,662.94	9,724.26	10,678.86
b) Net NPAs	5.47	7.58	6.17	5.65
(%) Gross Non Performing Assets	1.46	1.64	1.72	1.95
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00