General information about company |
|
|---|---|
| Scrip code | 543526 |
| NSE Symbol | LICI |
| MSEI Symbol | NA |
| ISIN | INE0J1Y01017 |
| Name of Company | LIFE INSURANCE CORPORATION OF INDIA |
| Type of company | Main Board |
| Class of security | Equity |
| Type Of Insurance | Non-Linked Policy And Linked Policy |
| Date of start of financial year | 01-Apr-2025 |
| Date of end of financial year | 31-Mar-2026 |
| Date of board meeting when results were approved | 07-Aug-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 25-Jul-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | First quarter |
| Nature of report standalone or consolidated | Standalone |
| Whether results are audited or unaudited for the quarter ended | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | |
| Start date and time of board meeting | 07-Aug-2025 11:45:00 |
| End date and time of board meeting | 07-Aug-2025 16:25:00 |
| Whether cash flow statement is applicable on company | |
| Type of cash flow statement | |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| Whether the company has any related party? | |
| Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? | |
| (I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public | |
| (II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. | |
| (III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? | |
| (a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication? | |
| (b) If answer to above question is No, please explain the reason for not complying. | |
| Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? | |
| Latest Date on which RPT policy is updated | |
| Indicate Company website link for updated RPT policy of the Company | |
| Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? | No |
| No. of times funds raised during the quarter | |
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? | No |
| Life Insurance Corporation of India does not have any loans or debt securities. | |
Format for financial results by life insurance companies filed with stock exchanges |
|||
|---|---|---|---|
| Partiuclars | Current Quarter | Year to Date Figures | |
| Date of start of reporting period | 01-Apr-2025 | ||
| Date of end of reporting period | 30-Jun-2025 | ||
| Whether accounts are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Standalone | Standalone | |
| Policyholders' Accounts | |||
| 1 | Income | ||
| (i) | Gross premium income | ||
| (a) | First Year Premium | 75252600000 | |
| (b) | Renewal Premium | 598847900000 | |
| (c) | Single Premium | 519229900000 | |
| Gross premium income | 1193330400000 | ||
| (ii) | Net premium income | 1192003900000 | |
| (iii) | Income from investments (Net) | 1029302000000 | |
| (iv) | Other income | ||
| 1 | Other income | 1300900000 | |
| Total other income | 1300900000 | ||
| (v) | Transfer Of Funds From Shareholders Account | 6029300000 | |
| (vi) | Total Income | 2228636100000 | |
| 2 | Expenses | ||
| (i) | Commission on | ||
| (a) | First Year Premium | 17433700000 | |
| (b) | Renewal Premium | 30819500000 | |
| (c) | Single Premium | 1242500000 | |
| Total Commission | 49495700000 | ||
| (ii) | Net Commission | 49495700000 | |
| (iii) | Operating Expenses related to insurance business | ||
| (a) | Employees remuneration and welfare expenses | 56730900000 | |
| (b) | Administration expenses | 13031000000 | |
| (c) | Advertisement and publicity | 738000000 | |
| (b) | Other operating expenses | ||
| 1 | Rent Rates & Taxes | 1931700000 | |
| 2 | Repairs | 324200000 | |
| 3 | Auditors' fees | 28600000 | |
| 4 | Interest & Bank Charges | 175400000 | |
| 5 | Expenses on Investment Property | 403500000 | |
| 6 | Electricity Charges | 565600000 | |
| 7 | Depreciation | 1561100000 | |
| Total other operating expenses | 4990100000 | ||
| Total operating expenses related to insurance business | 75490000000 | ||
| Total Expenses of Management | 124985700000 | ||
| (iv) | Provisions for doubtful debts (including bad debts written off) | -260600000 | |
| (v) | Provisions for diminution in value of investments | -3859200000 | |
| (vi) | Goods & Service tax charge on linked charges | 436300000 | |
| (vii) | Provision for taxes | ||
| Current Tax | 15837200000 | ||
| Deffered Tax | 0 | ||
| Total provision of taxes | 15837200000 | ||
| (viii) | Benefits Paid (Net) | 970561100000 | |
| (ix) | Change in actuarial liability | 1011576700000 | |
| Total Expenses | 2119277200000 | ||
| 3 | Net Surplus(Deficit) | 109358900000 | |
| 4 | Appropriations | ||
|---|---|---|---|
| (a) | Transferred to Shareholders A/c | 107916700000 | |
| (b) | Funds for Future Appropriation | 1442200000 | |
| 5 | Details of Surplus / Deficit | ||
| (a) | Interim bonus paid | 8752600000 | |
| (b) | Allocation of bonus to policyholders | 0 | |
| (c) | Surplus shown in the Revenue Account | 109358900000 | |
| (d) | Terminal bonus paid | 0 | |
| Total Surplus (Deficit ) | 118111500000 | ||
| SHAREHOLDERS ' Account | |||
|---|---|---|---|
| 1 | Income | ||
| (i) | Transfer from Poliycholders' Account | 107916700000 | |
| (ii) | Income under Shareholders' Account | ||
| (a) | Investment Income | 17867300000 | |
| (b) | Other income | ||
| 1 | Other income | 0 | |
| Total Other income | 0 | ||
| Total income under shareholders account | 17867300000 | ||
| Total Income | 125784000000 | ||
| 2 | Expenses | ||
| (i) | Expenses other than those related to insurance business | 5156200000 | |
| (ii) | Transfer of funds to policyholders account | 10593600000 | |
| (iii) | Provisions for doubtful debts (including write off) | 0 | |
| (iv) | Provisions for diminution in value of investments | -27200000 | |
| Total Expenses | 15722600000 | ||
| 3 | Profit/ (loss) before tax | 110061400000 | |
| 4 | Provisions for tax | 196300000 | |
| (i) | Current tax | 196300000 | |
| (ii) | Deffered tax | 0 | |
| 5 | Profit / (loss) after tax and before Extraordinary Items | 109865100000 | |
| 6 | Extraordinary Items (Net of tax expenses) | 0 | |
| 7 | Profit/ (loss) after tax and Extraordinary Items | 109865100000 | |
| 8 | Dividend per share | ||
| (a) | Interim Dividend | 0 | |
| (b) | Final Dividend | 0 | |
| 9 | Profit/(Loss) carried to Balance Sheet | 1310539400000 | |
| 10 | Paid up equity share capital | 63250000000 | |
| 11 | Reserve & Surplus (excluding Revaluation Reserve) | 1310822700000 | |
| 12 | Fair Value Change Account and Revaluation Reserve (Shareholders) | 9166300000 | |
| 13 | Assets | ||
| (i) | Investments: | ||
| (a) | Shareholders | 1235585000000 | |
| (b) | Policyholders Fund excluding Linked Assets | 53544079300000 | |
| (c) | Assets held to cover Linked Liabilities | 537227300000 | |
| Total Investments | 55316891600000 | ||
| (b) | Other Assets (Net of current liabilities and provisions) | 2639145500000 | |
| Total Assets | 57956037100000 | ||
| 14 | Analytical Ratios | ||
| (i) | Solvency Ratio | 0.0217 | |
| (ii) | Expenses of Management Ratio | 0.1047 | |
| (iii) | Policyholder 's liabilities to shareholders' fund | 409000000 | |
| (iv) | Earnings per share (Rs.): | ||
| (a) | Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) | 17.37 | |
| (b) | Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) | 17.37 | |
| (v) | NPA ratios: (for policyholders' fund) | ||
| (a) | Gross NPAs | ||
| Non Linked | |||
| Par | 83222400000 | ||
| Non Par | 0 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 1142200000 | ||
| Net NPAs | |||
| Non Linked | |||
| Par | 36300000 | ||
| Non Par | 0 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 0 | ||
| % of Gross NPAs | |||
| Non Linked | |||
| Par | 0.017 | ||
| Non Par | 0 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 0.302 | ||
| % of Net NPAs | |||
| Non Linked | |||
| Par | 0 | ||
| Non Par | 0 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 0 | ||
| (vi) | Yield on Investments (on policyholders' fund) | ||
| (a) | Without unrealised gains | ||
| Non Linked | |||
| Par | 0.077 | ||
| Non Par | 0.0987 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 0.1018 | ||
| (b) | With unrealised gains | ||
| Non Linked | |||
| Par | 0.1645 | ||
| Non Par | 0.1965 | ||
| Linked | |||
| Par | 0 | ||
| Non Par | 0.3053 | ||
| (vii) | NPA ratios: (for shareholders' fund) | ||
| (a) | Gross NPAs | 565000000 | |
| Net NPAs | 0 | ||
| (b) | Percentage of Gross NPAs | 0.0139 | |
| Percentage of Net NPAs | 0 | ||
| (viii) | Yield on Investments (on shareholders' fund) | ||
| (a) | Without unrealised gains | 61400000 | |
| (b) | With unrealised gains | 100900000 | |
| (ix) | Persistency Ratio | ||
| 1 | 13th Month | 0.709 | |
| 2 | 25th Month | 0.66 | |
| 3 | 37th Month | 0.6426 | |
| 4 | 49th Month | 0.6288 | |
| 5 | 61st Month | 0.5831 | |
| (ix) | Other Rations | ||
| (x) | Conservation Ratio | 0.9372 | |
| (xi) | Percentage of shares held by Government of India (in case of public sector insurance companies) | 0.965 | |
| Investor Compliants | |||
|---|---|---|---|
| (i) | No of investor complaints pending at the beginning of the period | 1 | |
| (ii) | No of investor complaints during the period | 122 | |
| (iii) | No of investor complaints disposed off during the period | 120 | |
| (iv) | No of investor complaints remaining unresolved at the end of the period | 3 | |
| (c) | Notes Format for financial results by life insurance companies filed with stock exchanges |
|---|---|
Format for financial results by life insurance companies filed with stock exchanges | |||
|---|---|---|---|
| Partiuclars | Current Quarter | Year to Date Figures | |
| Date of start of reporting period | 01-Apr-2025 | ||
| Date of end of reporting period | 30-Jun-2025 | ||
| Whether accounts are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Standalone | Standalone | |
| Segment Income | |||
| 1 | Name of segment | Life Participating | |
| (i) | Net premium | 619313000000 | 619313000000 |
| (ii) | Income form investments | 602744300000 | 602744300000 |
| (iii) | Transfer of funds from shareholders' account | 5976800000 | 5976800000 |
| (iv) | Other income | 364200000 | 364200000 |
| 2 | Name of segment | Pension Participating | |
| (i) | Net premium | 596800000 | 596800000 |
| (ii) | Income form investments | 7792700000 | 7792700000 |
| (iii) | Transfer of funds from shareholders' account | 48100000 | 48100000 |
| (iv) | Other income | 0 | 0 |
| 3 | Name of segment | Annuity Participating | |
| (i) | Net premium | 4500000 | 4500000 |
| (ii) | Income form investments | 899500000 | 899500000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 0 | 0 |
| 4 | Name of segment | Life Non Participating | |
| (i) | Net premium | 196421100000 | 196421100000 |
| (ii) | Income form investments | 185328400000 | 185328400000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 575600000 | 575600000 |
| 5 | Name of segment | Pension Non Participating | |
| (i) | Net premium | 301975300000 | 301975300000 |
| (ii) | Income form investments | 173829300000 | 173829300000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 364200000 | 364200000 |
| 6 | Name of segment | Annuity Non Participating | |
| (i) | Net premium | 34606200000 | 34606200000 |
| (ii) | Income form investments | 29840600000 | 29840600000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | -600000 | -600000 |
| 7 | Name of segment | Variable Non Participating | |
| (i) | Net premium | 6200000 | 6200000 |
| (ii) | Income form investments | 19400000 | 19400000 |
| (iii) | Transfer of funds from shareholders' account | 4400000 | 4400000 |
| (iv) | Other income | -300000 | -300000 |
| 8 | Name of segment | Health Non Participating | |
| (i) | Net premium | 268200000 | 268200000 |
| (ii) | Income form investments | 157800000 | 157800000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | -200000 | -200000 |
| 9 | Name of segment | Linked Life Non Participating | |
| (i) | Net premium | 34957500000 | 34957500000 |
| (ii) | Income form investments | 26136000000 | 26136000000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | -2000000 | -2000000 |
| 10 | Name of segment | Linked Pension Non Participating | |
| (i) | Net premium | 3764100000 | 3764100000 |
| (ii) | Income form investments | 6204700000 | 6204700000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 0 | 0 |
| 11 | Name of segment | Linked Health Non Participating | |
| (i) | Net premium | 90200000 | 90200000 |
| (ii) | Income form investments | 712200000 | 712200000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 0 | 0 |
| 12 | Name of segment | Capital Redemption Annuity certain Non Participating | |
| (i) | Net premium | 800000 | 800000 |
| (ii) | Income form investments | 52700000 | 52700000 |
| (iii) | Transfer of funds from shareholders' account | 0 | 0 |
| (iv) | Other income | 0 | 0 |
| 13 | Name of segment | Shareholders | |
| (i) | Net premium | 0 | |
| (ii) | Income form investments | 17893700000 | |
| (iii) | Transfer of funds from shareholders' account | 0 | |
| (iv) | Other income | 0 | |
| 14 | Name of segment | Unallocated | |
| (i) | Net premium | 0 | |
| (ii) | Income form investments | 0 | |
| (iii) | Transfer of funds from shareholders' account | 0 | |
| (iv) | Other income | 0 | |
Format for financial results by life insurance companies filed with stock exchanges |
|||
| Partiuclars | Current Quarter | Year to Date Figures | |
|---|---|---|---|
| Date of start of reporting period | 01-Apr-2025 | ||
| Date of end of reporting period | 30-Jun-2025 | ||
| Whether accounts are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Standalone | Standalone | |
| Segment Surplus/(Deficit) (net of transfer from shareholders' A/c) | |||
| 1 | Life Participating | 1156300000 | |
| 2 | Pension Participating | 113700000 | |
| 3 | Annuity Participating | 172200000 | |
| 4 | Life Non Participating | 102422800000 | |
| 5 | Pension Non Participating | 1548600000 | |
| 6 | Annuity Non Participating | 3173200000 | |
| 7 | Variable Non Participating | -4400000 | |
| 8 | Health Non Participating | 443400000 | |
| 9 | Linked Life Non Participating | 1700000 | |
| 10 | Linked Pension Non Participating | 236100000 | |
| 11 | Linked Health Non Participating | 78100000 | |
| 12 | Capital Redemption Annuity certain Non Participating | 12800000 | |
| 13 | Shareholders | 0 | |
| 14 | Unallocated | 0 | |
Format for financial results by life insurance companies filed with stock exchanges |
||
|---|---|---|
| Partiuclars | Current Quarter | |
| Date of start of reporting period | 01-Apr-2025 | |
| Date of end of reporting period | 30-Jun-2025 | |
| Whether accounts are audited or unaudited | Unaudited | |
| Nature of report standalone or consolidated | Standalone | |
| Segment Assets | ||
| 1 | Life Participating | 35380458100000 |
| 2 | Pension Participating | 417961500000 |
| 3 | Annuity Participating | 54677200000 |
| 4 | Life Non Participating | 9735236500000 |
| 5 | Pension Non Participating | 8794833300000 |
| 6 | Annuity Non Participating | 1731973000000 |
| 7 | Variable Non Participating | 1063100000 |
| 8 | Health Non Participating | 5387200000 |
| 9 | Linked Life Non Participating | 424880300000 |
| 10 | Linked Pension Non Participating | 96401800000 |
| 11 | Linked Health Non Participating | 20353500000 |
| 12 | Capital Redemption Annuity certain Non Participating | 1359300000 |
| 13 | Shareholders | 1291452300000 |
| 14 | Unallocated | 0 |
Format for financial results by life insurance companies filed with stock exchanges |
|||
|---|---|---|---|
| Partiuclars | Current Quarter | ||
| Date of start of reporting period | 01-Apr-2025 | ||
| Date of end of reporting period | 30-Jun-2025 | ||
| Whether accounts are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Standalone | ||
| Segment Liabilities | |||
| 1 | Life Participating | 35396583700000 | |
| 2 | Pension Participating | 417961500000 | |
| 3 | Annuity Participating | 54677200000 | |
| 4 | Life Non Participating | 9632813700000 | |
| 5 | Pension Non Participating | 8793284700000 | |
| 6 | Annuity Non Participating | 1728799800000 | |
| 7 | Variable Non Participating | 1067500000 | |
| 8 | Health Non Participating | 4943800000 | |
| 9 | Linked Life Non Participating | 424878600000 | |
| 10 | Linked Pension Non Participating | 96165700000 | |
| 11 | Linked Health Non Participating | 20275400000 | |
| 12 | Capital Redemption Annuity certain Non Participating | 1346500000 | |
| 13 | Shareholders | 1383239000000 | |
| 14 | Unallocated | 0 | |