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 | Consolidated |
| 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 |
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 | Consolidated | Consolidated | |
| Policyholders' Accounts | |||
| 1 | Income | ||
| (i) | Gross premium income | ||
| (a) | First Year Premium | 75659800000 | |
| (b) | Renewal Premium | 601794100000 | |
| (c) | Single Premium | 520084800000 | |
| Gross premium income | 1197538700000 | ||
| (ii) | Net premium income | 1196184100000 | |
| (iii) | Income from investments (Net) | 1032519900000 | |
| (iv) | Other income | ||
| 1 | Other income | 1317100000 | |
| 2 | Share of profit of associates | 13470400000 | |
| 3 | Minority Interest | -18400000 | |
| Total other income | 14769100000 | ||
| (v) | Transfer Of Funds From Shareholders Account | 6029300000 | |
| (vi) | Total Income | 2249502400000 | |
| 2 | Expenses | ||
| (i) | Commission on | ||
| (a) | First Year Premium | 17540700000 | |
| (b) | Renewal Premium | 30984600000 | |
| (c) | Single Premium | 1247800000 | |
| Total Commission | 49773100000 | ||
| (ii) | Net Commission | 49753000000 | |
| (iii) | Operating Expenses related to insurance business | ||
| (a) | Employees remuneration and welfare expenses | 56858300000 | |
| (b) | Administration expenses | 13196000000 | |
| (c) | Advertisement and publicity | 745000000 | |
| (b) | Other operating expenses | ||
| 1 | Rent Rates & Taxes | 1952500000 | |
| 2 | Repairs | 324900000 | |
| 3 | Auditors' fees | 32200000 | |
| 4 | Interest & Bank Charges | 183700000 | |
| 5 | Expenses on Investment Property | 403500000 | |
| 6 | Electricity Charges | 567100000 | |
| 7 | Depreciation | 1566500000 | |
| Total other operating expenses | 5030400000 | ||
| Total operating expenses related to insurance business | 75829700000 | ||
| Total Expenses of Management | 125582700000 | ||
| (iv) | Provisions for doubtful debts (including bad debts written off) | -261300000 | |
| (v) | Provisions for diminution in value of investments | -3624100000 | |
| (vi) | Goods & Service tax charge on linked charges | 436300000 | |
| (vii) | Provision for taxes | ||
| Current Tax | 16162700000 | ||
| Deffered Tax | 0 | ||
| Total provision of taxes | 16162700000 | ||
| (viii) | Benefits Paid (Net) | 975509200000 | |
| (ix) | Change in actuarial liability | 1013493500000 | |
| Total Expenses | 2127299000000 | ||
| 3 | Net Surplus(Deficit) | 122203400000 | |
| 4 | Appropriations | ||
|---|---|---|---|
| (a) | Transferred to Shareholders A/c | 107375400000 | |
| (b) | Funds for Future Appropriation | 14828000000 | |
| 5 | Details of Surplus / Deficit | ||
| (a) | Interim bonus paid | 8752600000 | |
| (b) | Allocation of bonus to policyholders | 0 | |
| (c) | Surplus shown in the Revenue Account | 122203400000 | |
| (d) | Terminal bonus paid | 0 | |
| Total Surplus (Deficit ) | 130956000000 | ||
| SHAREHOLDERS ' Account | |||
|---|---|---|---|
| 1 | Income | ||
| (i) | Transfer from Poliycholders' Account | 107375400000 | |
| (ii) | Income under Shareholders' Account | ||
| (a) | Investment Income | 18010900000 | |
| (b) | Other income | ||
| 1 | Other income | 448900000 | |
| Total Other income | 448900000 | ||
| Total income under shareholders account | 18459800000 | ||
| Total Income | 125835200000 | ||
| 2 | Expenses | ||
| (i) | Expenses other than those related to insurance business | 5399300000 | |
| (ii) | Transfer of funds to policyholders account | 10593600000 | |
| (iii) | Provisions for doubtful debts (including write off) | -4300000 | |
| (iv) | Provisions for diminution in value of investments | -11100000 | |
| Total Expenses | 15977500000 | ||
| 3 | Profit/ (loss) before tax | 109857700000 | |
| 4 | Provisions for tax | 287200000 | |
| (i) | Current tax | 287200000 | |
| (ii) | Deffered tax | 0 | |
| 5 | Profit / (loss) after tax and before Extraordinary Items | 109570500000 | |
| 6 | Extraordinary Items (Net of tax expenses) | 0 | |
| 7 | Profit/ (loss) after tax and Extraordinary Items | 109570500000 | |
| 8 | Dividend per share | ||
| (a) | Interim Dividend | 0 | |
| (b) | Final Dividend | 0 | |
| 9 | Profit/(Loss) carried to Balance Sheet | 1311305900000 | |
| 10 | Paid up equity share capital | 63250000000 | |
| 11 | Reserve & Surplus (excluding Revaluation Reserve) | 1321561400000 | |
| 12 | Fair Value Change Account and Revaluation Reserve (Shareholders) | 8586100000 | |
| 13 | Assets | ||
| (i) | Investments: | ||
| (a) | Shareholders | 1224357400000 | |
| (b) | Policyholders Fund excluding Linked Assets | 53836430500000 | |
| (c) | Assets held to cover Linked Liabilities | 538813000000 | |
| Total Investments | 55599600900000 | ||
| (b) | Other Assets (Net of current liabilities and provisions) | 2737012200000 | |
| Total Assets | 58336613100000 | ||
| 14 | Analytical Ratios | ||
| (i) | Solvency Ratio | 0.0217 | |
| (ii) | Expenses of Management Ratio | 0.1049 | |
| (iii) | Policyholder 's liabilities to shareholders' fund | 407800000 | |
| (iv) | Earnings per share (Rs.): | ||
| (a) | Basic and diluted EPS before extraordinary items (net of tax expense) for the period (not to be annualized) | 17.32 | |
| (b) | Basic and diluted EPS after extraordinary items (net of tax expense) for the period (not to be annualized) | 17.32 | |
| (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 | Consolidated | Consolidated | |
| Segment Income | |||
| 1 | Name of segment | Life Participating | |
| (i) | Net premium | 623493200000 | 623493200000 |
| (ii) | Income form investments | 605807300000 | 605807300000 |
| (iii) | Transfer of funds from shareholders' account | 5976800000 | 5976800000 |
| (iv) | Other income | 380400000 | 380400000 |
| 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 | 18028800000 | |
| (iii) | Transfer of funds from shareholders' account | 0 | |
| (iv) | Other income | 448900000 | |
| 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 | Consolidated | Consolidated | |
| Segment Surplus/(Deficit) (net of transfer from shareholders' A/c) | |||
| 1 | Life Participating | 14000800000 | |
| 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 | Consolidated | |
| Segment Assets | ||
| 1 | Life Participating | 35768872300000 |
| 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 | 426466000000 |
| 10 | Linked Pension Non Participating | 96401800000 |
| 11 | Linked Health Non Participating | 20353500000 |
| 12 | Capital Redemption Annuity certain Non Participating | 1359300000 |
| 13 | Shareholders | 1282028400000 |
| 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 | Consolidated | ||
| Segment Liabilities | |||
| 1 | Life Participating | 35762604800000 | |
| 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 | 426467200000 | |
| 10 | Linked Pension Non Participating | 96165700000 | |
| 11 | Linked Health Non Participating | 20275400000 | |
| 12 | Capital Redemption Annuity certain Non Participating | 1346500000 | |
| 13 | Shareholders | 1396205300000 | |
| 14 | Unallocated | 0 | |