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 |
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 |
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 |
| 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 |
| NA |
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 |
Standalone |
Standalone |
| Policyholders' Accounts |
|
| 1 |
Income |
|
| (i) |
Gross premium income |
|
| (a) |
First Year Premium |
10,60,460.00 |
28,96,549.00 |
| (b) |
Renewal Premium |
69,32,216.00 |
1,94,20,262.00 |
| (c) |
Single Premium |
45,87,285.00 |
1,48,59,868.00 |
|
Gross premium income |
1,25,79,961.00 |
3,71,76,679.00 |
| (ii) |
Net premium income |
1,25,61,336.00 |
3,71,29,301.00 |
| (iii) |
Income from investments (Net) |
1,07,60,828.00 |
3,22,68,564.00 |
| (iv) |
Other income |
|
| 1 |
Other income |
14,204.00 |
40,636.00 |
|
Total other income |
14,204.00 |
40,636.00 |
| (v) |
Transfer Of Funds From Shareholders Account |
62,011.00 |
2,07,608.00 |
| (vi) |
Total Income |
2,33,98,379.00 |
6,96,46,109.00 |
| 2 |
Expenses |
|
| (i) |
Commission on |
|
| (a) |
First Year Premium |
2,25,783.00 |
6,19,093.00 |
| (b) |
Renewal Premium |
3,56,407.00 |
10,02,520.00 |
| (c) |
Single Premium |
18,867.00 |
51,616.00 |
|
Total Commission |
6,01,057.00 |
16,73,229.00 |
| (ii) |
Net Commission |
6,01,057.00 |
16,73,229.00 |
| (iii) |
Operating Expenses related to insurance business |
|
| (a) |
Employees remuneration and welfare expenses |
5,82,666.00 |
19,01,015.00 |
| (b) |
Administration expenses |
3,03,068.00 |
5,57,535.00 |
| (c) |
Advertisement and publicity |
14,111.00 |
38,676.00 |
| (b) |
Other operating expenses |
|
| 1 |
Rent Rates and Taxes |
20,557.00 |
59,303.00 |
| 2 |
Repairs |
5,828.00 |
13,330.00 |
| 3 |
Auditors' fees |
324.00 |
900.00 |
| 4 |
Interest & Bank Charges |
3,094.00 |
8,158.00 |
| 5 |
Expenses on Investment Property |
3,624.00 |
11,794.00 |
| 6 |
Electricity Charges |
5,108.00 |
17,096.00 |
| 7 |
Depreciation |
18,150.00 |
49,845.00 |
|
Total other operating expenses |
56,685.00 |
1,60,426.00 |
|
Total operating expenses related to insurance business |
9,56,530.00 |
26,57,652.00 |
|
Total Expenses of Management |
15,57,587.00 |
43,30,881.00 |
| (iv) |
Provisions for doubtful debts (including bad debts written off) |
(8,441.00) |
(26,693.00) |
| (v) |
Provisions for diminution in value of investments |
(25,423.00) |
(88,526.00) |
| (vi) |
Goods & Service tax charge on linked charges |
2,353.00 |
14,898.00 |
| (vii) |
Provision for taxes |
|
|
Current Tax |
1,94,516.00 |
4,91,545.00 |
|
Deffered Tax |
0.00 |
0.00 |
|
Total provision of taxes |
1,94,516.00 |
4,91,545.00 |
| (viii) |
Benefits Paid (Net) |
1,13,28,319.00 |
3,16,58,966.00 |
| (ix) |
Change in actuarial liability |
91,56,148.00 |
3,00,32,773.00 |
|
Total Expenses |
2,22,05,059.00 |
6,64,13,844.00 |
| 3 |
Net Surplus(Deficit) |
11,93,320.00 |
32,32,265.00 |
| 4 |
Appropriations |
| (a) |
Transferred to Shareholders A/c |
11,72,827.00 |
31,93,355.00 |
| (b) |
Funds for Future Appropriation |
20,493.00 |
38,910.00 |
| 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 |
11,93,320.00 |
32,32,265.00 |
| (d) |
Terminal bonus paid |
0.00 |
0.00 |
|
Total Surplus (Deficit ) |
13,90,958.00 |
36,31,183.00 |
SHAREHOLDERS ' Account
Amount in (Lakhs)
| 1 |
Income |
|
| (i) |
Transfer from Poliycholders' Account |
11,72,827.00 |
31,93,355.00 |
| (ii) |
Income under Shareholders' Account |
|
| (a) |
Investment Income |
2,24,511.00 |
6,09,522.00 |
| (b) |
Other income |
|
| 1 |
Other Income |
0.00 |
0.00 |
|
Total Other income |
0.00 |
0.00 |
|
Total income under shareholders account |
2,24,511.00 |
6,09,522.00 |
|
Total Income |
13,97,338.00 |
38,02,877.00 |
| 2 |
Expenses |
|
| (i) |
Expenses other than those related to insurance business |
(678.00) |
55,133.00 |
| (ii) |
Transfer of funds to policyholders account |
1,07,654.00 |
3,44,536.00 |
| (iii) |
Provisions for doubtful debts (including write off) |
0.00 |
0.00 |
| (iv) |
Provisions for diminution in value of investments |
623.00 |
(1,842.00) |
|
Total Expenses |
1,07,599.00 |
3,97,827.00 |
| 3 |
Profit/ (loss) before tax |
12,89,739.00 |
34,05,050.00 |
| 4 |
Provisions for tax |
(6,083.00) |
5,238.00 |
| (i) |
Current tax |
(6,083.00) |
5,238.00 |
| (ii) |
Deffered tax |
0.00 |
0.00 |
| 5 |
Profit / (loss) after tax and before Extraordinary Items |
12,95,822.00 |
33,99,812.00 |
| 6 |
Extraordinary Items (Net of tax expenses) |
0.00 |
0.00 |
| 7 |
Profit/ (loss) after tax and Extraordinary Items |
12,95,822.00 |
33,99,812.00 |
| 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 |
1,46,47,555.00 |
1,46,47,555.00 |
| 10 |
Paid up equity share capital |
6,32,500.00 |
|
| 11 |
Reserve & Surplus (excluding Revaluation Reserve) |
1,46,50,517.00 |
1,46,50,517.00 |
| 12 |
Fair Value Change Account and Revaluation Reserve (Shareholders) |
2,07,683.00 |
|
| 13 |
Assets |
|
| (i) |
Investments: |
|
| (a) |
Shareholders |
1,37,91,258.00 |
|
| (b) |
Policyholders Fund excluding Linked Assets |
55,28,39,536.00 |
|
| (c) |
Assets held to cover Linked Liabilities |
63,52,663.00 |
|
|
Total Investments |
57,29,83,457.00 |
|
| (b) |
Other Assets (Net of current liabilities and provisions) |
2,75,63,381.00 |
|
|
Total Assets |
60,05,46,838.00 |
|
| 14 |
Analytical Ratios |
|
| (i) |
Solvency Ratio |
2.1900 |
2.1900 |
| (ii) |
Expenses of Management Ratio |
12.3800 |
11.6500 |
| (iii) |
Policyholder 's liabilities to shareholders' fund |
3,777.00 |
3,777.00 |
| (iv) |
Earnings per share (Rs.): |
|
| (a) |
Basic and diluted EPS before extraordinary items (net of tax expense) for
the
period (not to be annualized) |
20.49 |
53.75 |
| (b) |
Basic and diluted EPS after extraordinary items (net of tax expense) for
the
period (not to be annualized) |
20.49 |
53.75 |
| (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 |
Standalone |
Standalone |
| Segment Income |
|
| 1 |
Name of segment |
Life Participating |
| (i) |
Net premium |
71,19,315.00 |
1,99,12,284.00 |
| (ii) |
Income form investments |
63,95,096.00 |
1,96,48,188.00 |
| (iii) |
Transfer of funds from shareholders' account |
59,771.00 |
1,79,309.00 |
| (iv) |
Other income |
5,277.00 |
13,149.00 |
| 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 |
2,23,880.00 |
6,05,721.00 |
| (iii) |
Transfer of funds from shareholders' account |
0.00 |
0.00 |
| (iv) |
Other income |
0.00 |
0.00 |
| 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 |
Standalone |
Standalone |
|
Segment Surplus/(Deficit) (net of transfer from shareholders' A/c) |
|
| 1 |
Life Participating |
(3,898.00) |
4,611.00 |
| 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 |
Standalone |
| Segment Assets |
|
| 1 |
Life Participating |
36,65,18,370.00 |
| 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 |
52,05,166.00 |
| 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 |
1,39,24,691.00 |
| 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 |
Standalone |
| Segment Liabilities |
|
| 1 |
Life Participating |
36,61,22,886.00 |
| 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 |
52,06,926.00 |
| 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 |
1,54,90,700.00 |
| 14 |
Unallocated |
0.00 |