INTEGRATED FILING — LI
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 |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
05-02-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
27-01-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Third 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 |
Unaudited |
| Start date and time of board meeting |
05-02-2026
12:25:00 |
| End date and time of board meeting |
05-02-2026 15:55:00
|
| 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
Amount in (Lakhs)
| Partiuclars |
Current Quarter |
Year to Date Figures |
| Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| Policyholders' Accounts |
|
| 1 |
Income |
|
| (i) |
Gross premium income |
|
| (a) |
First Year Premium |
10,64,846.00 |
29,09,892.00 |
| (b) |
Renewal Premium |
69,61,738.00 |
1,95,11,727.00 |
| (c) |
Single Premium |
45,91,075.00 |
1,48,80,153.00 |
|
Gross premium income |
1,26,17,659.00 |
3,73,01,772.00 |
| (ii) |
Net premium income |
1,25,98,815.00 |
3,72,53,660.00 |
| (iii) |
Income from investments (Net) |
1,07,70,433.00 |
3,22,36,287.00 |
| (iv) |
Other income |
|
| 1 |
Other income |
14,451.00 |
41,232.00 |
| 2 |
Share of profit of associates |
1,65,122.00 |
5,20,445.00 |
| 3 |
Minority Interest |
(2,254.00) |
(2,694.00) |
|
Total other income |
1,77,319.00 |
5,58,983.00 |
| (v) |
Transfer Of Funds From Shareholders Account |
62,859.00 |
2,09,159.00 |
| (vi) |
Total Income |
2,36,09,426.00 |
7,02,58,089.00 |
| 2 |
Expenses |
|
| (i) |
Commission on |
|
| (a) |
First Year Premium |
2,27,194.00 |
6,22,975.00 |
| (b) |
Renewal Premium |
3,57,831.00 |
10,07,510.00 |
| (c) |
Single Premium |
18,929.00 |
51,803.00 |
|
Total Commission |
6,03,954.00 |
16,82,288.00 |
| (ii) |
Net Commission |
6,03,953.00 |
16,82,218.00 |
| (iii) |
Operating Expenses related to insurance business |
|
| (a) |
Employees remuneration and welfare expenses |
5,83,915.00 |
19,04,715.00 |
| (b) |
Administration expenses |
3,05,130.00 |
5,63,535.00 |
| (c) |
Advertisement and publicity |
14,165.00 |
38,847.00 |
| (b) |
Other operating expenses |
|
| 1 |
Rent Rates and Taxes |
20,647.00 |
59,819.00 |
| 2 |
Repairs |
5,838.00 |
13,357.00 |
| 3 |
Auditors' fees |
507.00 |
1,194.00 |
| 4 |
Interest & Bank Charges |
3,199.00 |
8,357.00 |
| 5 |
Expenses on Investment Property |
3,624.00 |
11,794.00 |
| 6 |
Electricity Charges |
5,122.00 |
17,141.00 |
| 7 |
Depreciation |
18,245.00 |
50,030.00 |
|
Total other operating expenses |
57,182.00 |
1,61,692.00 |
|
Total operating expenses related to insurance business |
9,60,392.00 |
26,68,789.00 |
|
Total Expenses of Management |
15,64,345.00 |
43,51,007.00 |
| (iv) |
Provisions for doubtful debts (including bad debts written off) |
(8,458.00) |
(26,737.00) |
| (v) |
Provisions for diminution in value of investments |
(24,576.00) |
(85,834.00) |
| (vi) |
Goods & Service tax charge on linked charges |
2,353.00 |
14,898.00 |
| (vii) |
Provision for taxes |
|
|
Current Tax |
1,98,207.00 |
5,02,027.00 |
|
Deffered Tax |
0.00 |
0.00 |
|
Total provision of taxes |
1,98,207.00 |
5,02,027.00 |
| (viii) |
Benefits Paid (Net) |
1,13,81,877.00 |
3,18,34,636.00 |
| (ix) |
Change in actuarial liability |
91,68,823.00 |
3,00,60,664.00 |
|
Total Expenses |
2,22,82,571.00 |
6,66,50,661.00 |
| 3 |
Net Surplus(Deficit) |
13,26,855.00 |
36,07,428.00 |
| 4 |
Appropriations |
| (a) |
Transferred to Shareholders A/c |
11,67,248.00 |
31,86,436.00 |
| (b) |
Funds for Future Appropriation |
1,59,607.00 |
4,20,992.00 |
| 5 |
Details of Surplus / Deficit |
|
| (a) |
Interim bonus paid |
1,87,350.00 |
3,88,630.00 |
| (b) |
Allocation of bonus to policyholders |
10,288.00 |
10,288.00 |
| (c) |
Surplus shown in the Revenue Account |
13,26,855.00 |
36,07,428.00 |
| (d) |
Terminal bonus paid |
0.00 |
0.00 |
|
Total Surplus (Deficit ) |
15,24,493.00 |
40,06,346.00 |
SHAREHOLDERS ' Account
Amount in (Lakhs)
| 1 |
Income |
|
| (i) |
Transfer from Poliycholders' Account |
11,67,248.00 |
31,86,436.00 |
| (ii) |
Income under Shareholders' Account |
|
| (a) |
Investment Income |
2,26,175.00 |
6,12,884.00 |
| (b) |
Other income |
|
| 1 |
Other Income |
4,897.00 |
14,200.00 |
|
Total Other income |
4,897.00 |
14,200.00 |
|
Total income under shareholders account |
2,31,072.00 |
6,27,084.00 |
|
Total Income |
13,98,320.00 |
38,13,520.00 |
| 2 |
Expenses |
|
| (i) |
Expenses other than those related to insurance business |
2,092.00 |
63,143.00 |
| (ii) |
Transfer of funds to policyholders account |
1,08,502.00 |
3,46,087.00 |
| (iii) |
Provisions for doubtful debts (including write off) |
9.00 |
(82.00) |
| (iv) |
Provisions for diminution in value of investments |
(257.00) |
(2,347.00) |
|
Total Expenses |
1,10,346.00 |
4,06,801.00 |
| 3 |
Profit/ (loss) before tax |
12,87,974.00 |
34,06,719.00 |
| 4 |
Provisions for tax |
(5,070.00) |
8,122.00 |
| (i) |
Current tax |
(5,070.00) |
8,122.00 |
| (ii) |
Deffered tax |
0.00 |
0.00 |
| 5 |
Profit / (loss) after tax and before Extraordinary Items |
12,93,044.00 |
33,98,597.00 |
| 6 |
Extraordinary Items (Net of tax expenses) |
0.00 |
0.00 |
| 7 |
Profit/ (loss) after tax and Extraordinary Items |
12,93,044.00 |
33,98,597.00 |
| 8 |
Dividend per share |
|
|
| (a) |
Interim Dividend |
0.00 |
0.00 |
| (b) |
Final Dividend |
0.00 |
0.00 |
|
|
|
| 9 |
Profit/(Loss) carried to Balance Sheet |
1,46,54,791.00 |
1,46,54,791.00 |
| 10 |
Paid up equity share capital |
6,32,500.00 |
|
| 11 |
Reserve & Surplus (excluding Revaluation Reserve) |
1,47,68,311.00 |
1,47,68,311.00 |
| 12 |
Fair Value Change Account and Revaluation Reserve (Shareholders) |
2,02,099.00 |
|
| 13 |
Assets |
|
| (i) |
Investments: |
|
| (a) |
Shareholders |
1,36,86,030.00 |
|
| (b) |
Policyholders Fund excluding Linked Assets |
55,62,48,958.00 |
|
| (c) |
Assets held to cover Linked Liabilities |
63,80,064.00 |
|
|
Total Investments |
57,63,15,052.00 |
|
| (b) |
Other Assets (Net of current liabilities and provisions) |
2,85,16,667.00 |
|
|
Total Assets |
60,48,31,719.00 |
|
| 14 |
Analytical Ratios |
|
| (i) |
Solvency Ratio |
2.1900 |
2.1900 |
| (ii) |
Expenses of Management Ratio |
12.400 |
11.6600 |
| (iii) |
Policyholder 's liabilities to shareholders' fund |
3,769.00 |
3,769.00 |
| (iv) |
Earnings per share (Rs.): |
|
| (a) |
Basic and diluted EPS before extraordinary items (net of tax expense) for
the
period (not to be annualized) |
20.44 |
53.73 |
| (b) |
Basic and diluted EPS after extraordinary items (net of tax expense) for
the
period (not to be annualized) |
20.44 |
53.73 |
| (v) |
NPA ratios: (for policyholders' fund) |
|
| (a) |
Gross NPAs |
|
|
Non Linked |
|
|
Par |
7,74,571.00 |
7,74,571.00 |
|
Non Par |
0.00 |
0.00 |
|
Linked |
|
|
Par |
0.00 |
0.00 |
|
Non Par |
3,584.00 |
3,584.00 |
|
Net NPAs |
|
|
Non Linked |
|
|
Par |
418.00 |
418.00 |
|
Non Par |
0.00 |
0.00 |
|
Linked |
|
|
Par |
0.00 |
0.00 |
|
Non Par |
0.00 |
0.00 |
|
% of Gross NPAs |
|
|
Non Linked |
|
|
Par |
1.5800 |
1.5800 |
|
Non Par |
0 |
0 |
|
Linked |
|
|
Par |
0 |
0 |
|
Non Par |
10.200 |
10.200 |
|
% of Net NPAs |
|
|
Non Linked |
|
|
Par |
0 |
0 |
|
Non Par |
0 |
0 |
|
Linked |
|
|
Par |
0 |
0 |
|
Non Par |
0 |
0 |
|
|
|
| (vi) |
Yield on Investments (on policyholders' fund) |
|
| (a) |
Without unrealised gains |
|
|
Non Linked |
|
|
Par |
7.8800 |
8.2400 |
|
Non Par |
9.6900 |
9.7800 |
|
Linked |
|
|
Par |
0 |
0 |
|
Non Par |
7.9100 |
9.7200 |
| (b) |
With unrealised gains |
|
|
|
Non Linked |
|
|
|
Par |
13.3800 |
11.0400 |
|
Non Par |
18.2600 |
12.5500 |
|
Linked |
|
|
|
Par |
0 |
0 |
|
Non Par |
22.300 |
16.7900 |
| (vii) |
NPA ratios: (for shareholders' fund) |
|
| (a) |
Gross NPAs |
0.00 |
0.00 |
|
Net NPAs |
0.00 |
0.00 |
| (b) |
Percentage of Gross NPAs |
0 |
0 |
|
Percentage of Net NPAs |
0 |
0 |
| (viii) |
Yield on Investments (on shareholders' fund) |
|
| (a) |
Without unrealised gains |
667.00 |
661.00 |
| (b) |
With unrealised gains |
1,007.00 |
911.00 |
| (ix) |
Persistency Ratio |
|
| 1 |
13th Month |
69.3600 |
75.7500 |
| 2 |
25th Month |
63.7600 |
70.7600 |
| 3 |
37th Month |
61.400 |
67.3700 |
| 4 |
49th Month |
58.5900 |
63.7700 |
| 5 |
61st Month |
54.6300 |
61.0900 |
| (ix) |
Other Rations |
|
| (x) |
Conservation Ratio |
95.9600 |
92.5700 |
| (xi) |
Percentage of shares held by Government of India (in case of public sector
insurance companies) |
96.500 |
96.500 |
|
Investor Compliants |
| (i) |
No of investor complaints pending at the beginning of the period |
26 |
1 |
| (ii) |
No of investor complaints during the period |
171 |
781 |
| (iii) |
No of investor complaints disposed off during the period |
192 |
777 |
| (iv) |
No of investor complaints remaining unresolved at the end of the period |
5 |
5 |
| (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
Amount in (Lakhs)
| Partiuclars |
Current Quarter |
Year to Date Figures |
| Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| Segment Income |
|
| 1 |
Name of segment |
Life Participating |
| (i) |
Net premium |
71,56,794.00 |
2,00,36,643.00 |
| (ii) |
Income form investments |
64,03,756.00 |
1,96,13,185.00 |
| (iii) |
Transfer of funds from shareholders' account |
60,619.00 |
1,80,860.00 |
| (iv) |
Other income |
5,524.00 |
13,745.00 |
| 2 |
Name of segment |
Pension Participating |
| (i) |
Net premium |
8,469.00 |
20,861.00 |
| (ii) |
Income form investments |
77,678.00 |
2,33,045.00 |
| (iii) |
Transfer of funds from shareholders' account |
480.00 |
1,441.00 |
| (iv) |
Other income |
0.00 |
(2.00) |
| 3 |
Name of segment |
Annuity Participating |
| (i) |
Net premium |
43.00 |
119.00 |
| (ii) |
Income form investments |
9,298.00 |
27,502.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
| 4 |
Name of segment |
Life Non Participating |
| (i) |
Net premium |
23,06,577.00 |
70,56,932.00 |
| (ii) |
Income form investments |
20,89,172.00 |
57,40,938.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
5,186.00 |
16,275.00 |
| 5 |
Name of segment |
Pension Non Participating |
| (i) |
Net premium |
21,52,845.00 |
74,60,827.00 |
| (ii) |
Income form investments |
15,72,670.00 |
51,30,705.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
3,767.00 |
11,304.00 |
| 6 |
Name of segment |
Annuity Non Participating |
| (i) |
Net premium |
3,75,860.00 |
11,08,129.00 |
| (ii) |
Income form investments |
3,21,080.00 |
9,21,557.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
(5.00) |
| 7 |
Name of segment |
Variable Non Participating |
| (i) |
Net premium |
58.00 |
206.00 |
| (ii) |
Income form investments |
194.00 |
582.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
1.00 |
(5.00) |
| 8 |
Name of segment |
Health Non Participating |
| (i) |
Net premium |
3,216.00 |
10,299.00 |
| (ii) |
Income form investments |
1,532.00 |
4,719.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
1.00 |
(1.00) |
| 9 |
Name of segment |
Linked Life Non Participating |
| (i) |
Net premium |
5,39,689.00 |
14,09,208.00 |
| (ii) |
Income form investments |
2,51,665.00 |
5,02,157.00 |
| (iii) |
Transfer of funds from shareholders' account |
1,760.00 |
26,858.00 |
| (iv) |
Other income |
(28.00) |
(79.00) |
| 10 |
Name of segment |
Linked Pension Non Participating |
| (i) |
Net premium |
54,791.00 |
1,45,395.00 |
| (ii) |
Income form investments |
42,004.00 |
99,392.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
| 11 |
Name of segment |
Linked Health Non Participating |
| (i) |
Net premium |
406.00 |
4,960.00 |
| (ii) |
Income form investments |
6,082.00 |
13,150.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
| 12 |
Name of segment |
Capital Redemption Annuity certain Non Participating |
| (i) |
Net premium |
67.00 |
81.00 |
| (ii) |
Income form investments |
332.00 |
1,200.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
| 13 |
Name of segment |
Shareholders |
| (i) |
Net premium |
0.00 |
0.00 |
| (ii) |
Income form investments |
2,27,022.00 |
6,10,351.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
4,897.00 |
14,200.00 |
| 14 |
Name of segment |
Unallocated |
| (i) |
Net premium |
0.00 |
0.00 |
| (ii) |
Income form investments |
0.00 |
0.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
Format for financial results by life insurance companies filed with stock exchanges
Amount in (Lakhs)
| Partiuclars |
Current Quarter |
Year to Date Figures |
| Date of start of reporting period |
01-10-2025 |
01-04-2025 |
| Date of end of reporting period |
31-12-2025 |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
|
Segment Surplus/(Deficit) (net of transfer from shareholders' A/c) |
|
| 1 |
Life Participating |
1,28,789.00 |
3,78,223.00 |
| 2 |
Pension Participating |
20,798.00 |
27,806.00 |
| 3 |
Annuity Participating |
4,135.00 |
7,035.00 |
| 4 |
Life Non Participating |
11,25,737.00 |
30,13,825.00 |
| 5 |
Pension Non Participating |
(4,596.00) |
85,555.00 |
| 6 |
Annuity Non Participating |
47,130.00 |
72,120.00 |
| 7 |
Variable Non Participating |
17.00 |
39.00 |
| 8 |
Health Non Participating |
1,592.00 |
11,393.00 |
| 9 |
Linked Life Non Participating |
(1,760.00) |
(26,858.00) |
| 10 |
Linked Pension Non Participating |
1,357.00 |
4,355.00 |
| 11 |
Linked Health Non Participating |
666.00 |
4,542.00 |
| 12 |
Capital Redemption Annuity certain Non Participating |
382.00 |
984.00 |
| 13 |
Shareholders |
0.00 |
0.00 |
| 14 |
Unallocated |
0.00 |
0.00 |
Format for financial results by life insurance companies filed with stock exchanges
Amount in (Lakhs)
| Partiuclars |
Current Quarter |
| Date of start of reporting period |
01-10-2025 |
| Date of end of reporting period |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| Segment Assets |
|
| 1 |
Life Participating |
37,08,68,064.00 |
| 2 |
Pension Participating |
42,37,253.00 |
| 3 |
Annuity Participating |
5,49,501.00 |
| 4 |
Life Non Participating |
9,99,54,737.00 |
| 5 |
Pension Non Participating |
9,07,74,077.00 |
| 6 |
Annuity Non Participating |
1,81,10,092.00 |
| 7 |
Variable Non Participating |
10,821.00 |
| 8 |
Health Non Participating |
49,926.00 |
| 9 |
Linked Life Non Participating |
52,32,567.00 |
| 10 |
Linked Pension Non Participating |
9,96,128.00 |
| 11 |
Linked Health Non Participating |
2,03,331.00 |
| 12 |
Capital Redemption Annuity certain Non Participating |
12,745.00 |
|
| 13 |
Shareholders |
1,38,32,477.00 |
| 14 |
Unallocated |
0.00 |
Format for financial results by life insurance companies filed with stock exchanges
Amount in (Lakhs)
| Partiuclars |
Current Quarter |
| Date of start of reporting period |
01-10-2025 |
| Date of end of reporting period |
31-12-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| Segment Liabilities |
|
| 1 |
Life Participating |
37,02,37,537.00 |
| 2 |
Pension Participating |
42,37,253.00 |
| 3 |
Annuity Participating |
5,49,501.00 |
| 4 |
Life Non Participating |
9,88,29,000.00 |
| 5 |
Pension Non Participating |
9,07,78,673.00 |
| 6 |
Annuity Non Participating |
1,80,62,962.00 |
| 7 |
Variable Non Participating |
10,804.00 |
| 8 |
Health Non Participating |
48,334.00 |
| 9 |
Linked Life Non Participating |
52,34,363.00 |
| 10 |
Linked Pension Non Participating |
9,94,771.00 |
| 11 |
Linked Health Non Participating |
2,02,665.00 |
| 12 |
Capital Redemption Annuity certain Non Participating |
12,363.00 |
|
| 13 |
Shareholders |
1,56,33,493.00 |
| 14 |
Unallocated |
0.00 |