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Life Insurance Corporation of India engages in the provision of insurance plans. The company is headquartered in Mumbai, Maharashtra and currently employs 98,463 full-time employees. The company went IPO on 2022-05-17. The firm is engaged in the business of life insurance in and outside India. The company offers a range of individual and group insurance solutions including participating, non-participating and unit linked lines of businesses. The portfolio comprises various insurance and investment products such as protection, pension, savings, investment, annuity, health and variable. Its segments include Life Individual, Participating Pension Individual, Participating Annuity Individual, Non Participating Life (Individual & Group), Non Participating Pension (Individual & Group), Non Participating Annuity Individual, Non Participating Variable individual, Non Participating Health individual, Non Participating Unit Linked. The company has approximately 44 products, which include 33 individual products and 11 group products. Its insurance plans include Saral Jeevan Bima, Saral Pension, Arogya Rakshak, Dhan Rekha, Bima Jyoti, and others.
No significant concerns identified
Nothing flagged for monitoring
“Insurance operations in Insurance — Life & General.”
Premium income of ₹537,604 Cr, total income ₹546,199 Cr.
Claims/benefits ratio: N/A%.
“total premium income of 371,293 crore”
“profit after tax for the nine months”
“net VNB has registered a growth of 27.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 32.5%▲ | 11.7% |
| ROCE | 1.0%▲ | 0.4% |
| Net Margin | 10.5%▲ | 2.9% |
| Debt To Equity | 0.22x▼ | 1.92x |
Historical valuation data not available.
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2023 |
|---|---|---|---|
| Gross Premium Income | ₹5.38 Lakh Cr +9.8% | ₹4.90 Lakh Cr +2.9% | ₹4.77 Lakh Cr |
| First Year Premium | ₹42,108 Cr +13.2% | ₹37,199 Cr -5.3% | ₹39,269 Cr |
| Renewal Premium | ₹2.77 Lakh Cr +5.3% | ₹2.63 Lakh Cr +8.0% | ₹2.44 Lakh Cr |
| Single Premium | ₹2.19 Lakh Cr +15.2% | ₹1.90 Lakh Cr -1.8% | ₹1.93 Lakh Cr |
| Investment Income (Net) | ₹4.33 Lakh Cr +9.8% | ₹3.94 Lakh Cr +28.2% | ₹3.07 Lakh Cr |
| Total Income | ₹9.82 Lakh Cr +10.0% | ₹8.92 Lakh Cr +12.2% | ₹7.95 Lakh Cr |
| Employees Remuneration And Welfare Expenses | ₹27,938 Cr +3.7% | ₹26,947 Cr -32.9% | ₹40,135 Cr |
| Other Operating Expenses | ₹2,372 Cr +15.1% | ₹2,060 Cr -51.8% | ₹4,274 Cr |
| Commission | ₹24,564 Cr -3.4% | ₹25,420 Cr -1.1% | ₹25,696 Cr |
| Net Commission | ₹24,556 Cr -3.4% | ₹25,419 Cr -1.1% | ₹25,705 Cr |
| Benefits Paid (Net) | ₹4.99 Lakh Cr +18.5% | ₹4.21 Lakh Cr +21.6% | ₹3.46 Lakh Cr |
| Change in Actuarial Liability | ₹3.64 Lakh Cr +3.3% | ₹3.52 Lakh Cr +2.5% | ₹3.43 Lakh Cr |
| Management Expenses | ₹64,209 Cr +5.3% | ₹60,993 Cr -17.6% | ₹73,994 Cr |
| Total Expenses | ₹9.21 Lakh Cr +9.7% | ₹8.39 Lakh Cr +11.3% | ₹7.54 Lakh Cr |
| Profit Before Tax | ₹57,524 Cr +19.0% | ₹48,351 Cr +34.0% | ₹36,081 Cr |
| Current Tax | ₹71 Cr +133.6% | ₹30 Cr -64.1% | ₹84 Cr |
| EPS | ₹90.83 | ₹76.40 | ₹56.91 |
| Diluted Shares | ₹632 Cr | ₹632 Cr | ₹632 Cr |
| Surplus Deficit | ₹1.29 Lakh Cr +15.0% | ₹1.12 Lakh Cr +18.9% | ₹94,421 Cr |
| Provision For Tax | (₹4,048 Cr) ↓ Decline | ₹7,916 Cr | ₹0.00 Cr |
| Interim Bonus Paid | ₹8,357 Cr +171.7% | ₹3,076 Cr -5.8% | ₹3,264 Cr |
| Investment Income | ₹8,595 Cr +42.6% | ₹6,025 Cr +409.6% | ₹1,182 Cr |
| Net Premium Income | ₹5.38 Lakh Cr +9.8% | ₹4.90 Lakh Cr +2.9% | ₹4.76 Lakh Cr |
| Net Surplus Deficit | ₹61,039 Cr +15.4% | ₹52,870 Cr +27.0% | ₹41,617 Cr |
| Provisions For Taxes | ₹71 Cr +133.6% | ₹30 Cr -64.1% | ₹84 Cr |
| Administration Expenses | ₹8,657 Cr +44.0% | ₹6,013 Cr +89.8% | ₹3,167 Cr |
| Commission Single Premium | ₹955 Cr +24.9% | ₹764 Cr +45.2% | ₹526 Cr |
| Commission Renewal Premium | ₹14,241 Cr -2.6% | ₹14,623 Cr +16.3% | ₹12,571 Cr |
| Advertisement And Publicity | ₹685 Cr +23.6% | ₹555 Cr -22.3% | ₹714 Cr |
| Gross N P As Shareholders Fund | ₹57 Cr 0.0% | ₹57 Cr | ₹0.00 Cr |
| Shareholders Account Income | ₹62,843 Cr +17.2% | ₹53,619 Cr +45.9% | ₹36,752 Cr |
| Commission First Year Premium | ₹9,369 Cr -6.6% | ₹10,034 Cr -20.4% | ₹12,599 Cr |
| Funds for Future Appropriation | ₹6,982 Cr +28.1% | ₹5,449 Cr -11.8% | ₹6,178 Cr |
| Shareholders Account Expenses | ₹5,319 Cr +1.0% | ₹5,269 Cr +684.6% | ₹671 Cr |
| Shareholders Account Income | ₹8,786 Cr +41.8% | ₹6,198 Cr +371.9% | ₹1,313 Cr |
| Shareholders Account Other Income | ₹191 Cr +10.9% | ₹173 Cr +31.7% | ₹131 Cr |
| Policyholders Account Other Income | ₹8,667 Cr +58.0% | ₹5,487 Cr -53.7% | ₹11,843 Cr |
| Profit Loss Carried To Balance Sheet | ₹5.81 Lakh Cr +383.5% | ₹1.20 Lakh Cr +206.5% | ₹39,218 Cr |
| Surplus Shown In The Revenue Account | ₹61,039 Cr +15.4% | ₹52,870 Cr +27.0% | ₹41,617 Cr |
| Bonus to Policyholders | ₹59,726 Cr +6.0% | ₹56,331 Cr +13.7% | ₹49,540 Cr |
| Transfer From Policyholders Account | ₹54,057 Cr +14.0% | ₹47,422 Cr +33.8% | ₹35,439 Cr |
| Transferred To Shareholders Account | ₹54,057 Cr +14.0% | ₹47,422 Cr +33.8% | ₹35,439 Cr |
| Transfer Of Funds To Policyholders Account | ₹4,182 Cr -7.9% | ₹4,540 Cr | ₹130 Cr |
| Transfer Of Funds From Shareholders Account | ₹2,813 Cr +3.6% | ₹2,714 Cr | ₹130 Cr |
| Goods And Service Tax Charge On Linked Charges | ₹149 Cr -33.4% | ₹223 Cr +104.0% | ₹109 Cr |
| Profit Loss After Tax And Extraordinary Items | ₹57,453 Cr +18.9% | ₹48,320 Cr +34.2% | ₹35,997 Cr |
| Profit Loss After Tax Before Extraordinary Items | ₹57,453 Cr +18.9% | ₹48,320 Cr +34.2% | ₹35,997 Cr |
| Operating Expenses Related To Insurance Business | ₹39,653 Cr +11.5% | ₹35,574 Cr -26.3% | ₹48,290 Cr |
| Provisions For Diminution In Value Of Investments | (₹783 Cr) -22.9% | (₹637 Cr) +95.0% | (₹12,735 Cr) |
| Provisions For Doubtful Debts Including Write Off | (₹0.88 Cr) ↓ Decline | ₹1 Cr | ₹0.00 Cr |
| Reserves And Surplus Excluding Revaluation Reserve | ₹5.86 Lakh Cr +383.4% | ₹1.21 Lakh Cr | ₹0.00 Cr |
| Expenses Other Than Those Related To Insurance Business | ₹1,161 Cr +56.2% | ₹743 Cr | ₹54 Cr |
| Provisions For Doubtful Debts Including Bad Debts Written Off | (₹811 Cr) +47.5% | (₹1,545 Cr) +20.5% | (₹1,942 Cr) |
| Shareholders Account Provisions For Diminution In Value Of Investments | (₹23 Cr) -47.0% | (₹16 Cr) ↓ Decline | ₹488 Cr |
Life Insurance Corporation Of India has informed the Exchange about the cessation of two Independent Directors of the Corporation upon completion of their term.
Life Insurance Corporation Of India has informed the Exchange about appointment of CFO and CRO, Key Managerial of the Corporation.
Life Insurance Corporation Of India has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 27, 2026. Further, the company has informed the Exchange regarding voti...
Life Insurance Corporation Of India has informed the Exchange regarding Proceedings of Annual General Meeting held on July 27, 2026.
Life Insurance Corporation Of India has informed the Exchange about cessation of Prof Anil Kumar Independent Director of the Corporation upon completion of his tenure.
Life Insurance Corporation Of India has informed the Exchange regarding 'Certificates under Regulation 74(5)' received from Registrar and Transfer Agents.
Life Insurance Corporation Of India has informed the Exchange about the superannuation of the Senior Management Personnel.
Life Insurance Corporation Of India has informed the Exchange about the Notice to members of the Corporation was published on June 16, 2026.
Life Insurance Corporation Of India has informed the Exchange about investor meet held on June 05, 2026.
Life Insurance Corporation Of India has informed the Exchange about the allotment of Bonus Equity Shares.
Life Insurance Corporation Of India has informed the Exchange about the update on Investor Meet.
Life Insurance Corporation Of India has informed the Exchange about the cessation of Key Managerial Personnel.
Life Insurance Corporation Of India has informed the Exchange about cessation of Senior Management Personnel.
Life Insurance Corporation Of India has informed the Exchange about Investor Meet to be held on June 05, 2026.
Life Insurance Corporation Of India has informed the Exchange about transcript of Earning Conference Call