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LOMBARD GENERAL INSURANCE COMPANY LIMITEDMain BoardEquityNon-Linked Policy2024-04-012025-03-312025-04-152025-03-24INRLakhsQuarterlyFourth quarter2025-04-1517:10:002025-04-1519:00:00trueCash Flow DirectDeclaration of unmodified opiniontruetrueNANAfalsetrue2025-01-17https://www.icicilombard.com/docs/default-source/policies-of-the-company/rpt-policy_fy2026.pdf?sfvrsn=39fd6f22_4falsefalseNot applicable2025-01-012025-03-31AuditedStandalone6903940000054810300000522558000006252600000330000058511700000102642000001026420000039332000002723400000665660000003510290000023288000003743170000054352500000-209670000000415920000041592000000415920000020032000005927000006755100000110300000-11900000-25300000731000006682000000066820000001586100000509590000000624947000006759060000049573000001380737000006807400000137255100000397822600000535077700000-3852368000001498409000000.02690.3280.7160.7941.02510.2910.2900001620002170002401757990.48400000 <BR> In the General Information Sheet: <BR> 1. We have mentioned NSE Symbol as "ICICI" instead of "ICICIGI" as by mentioning ICICIGI the sheet was not validating. <BR> 2. ICICI Lombard is General Insurance Company and hence type of insurance viz. “Linked and Non-Linked Policy” would not be applicable. However, in order to validate the sheet we have selected type of insurance as “Non-Linked Policy” <BR> <BR> 1(ii). Net of reinsurance (Including Excess of Loss Reinsurance). <BR> 1(iv). Including capital gains, net of amortisation and losses. <BR> 2(i) & (ii). Commission is net of commission received on reinsurance cession. <BR> 8(a). Dividend is recognised in the period it is approved as prescribed by MCA. <BR> <BR> Analytical ratios have been calculated as per definition given in IRDAI analytical ratios disclosures. <BR> Analytical ratios (i):- The Solvency has been computed at the last day of the period. <BR> Analytical ratios (ii):- The Expenses of Management has been computed on the basis of Gross Direct Premium <BR> Analytical ratios (v):- The Ratio has been computed at the last day of the period. <BR> Analytical ratios (vi) & (viii):- Not annualised <BR> Analytical ratios (viii):- Excludes unrealised gains or losses on real estate and unlisted equity <BR> Analytical ratios (viii):- Yield on investments with unrealised gains is computed using the modified Dietz method <BR> Analytical ratios (viii)(a):- The computation is based on time weighted average book value. <BR> <BR> Analytical ratios (vi)(a)&(b):- Earnings Per Share <BR> Basic: Rs. 10.29 Diluted: Rs. 10.20 (Current Quarter) <BR> Basic: Rs. 50.74 Diluted: Rs. 50.25 (Year To Date) <BR> In accordance with the Insurance Regulatory and Development Authority of India (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024, previous period figures have been regrouped / reclassified wherever necessary and the effect of that is given in Underwriting Profit/ (Loss), Expense of Management Ratio and Combined Ratio, while the Operating Profit and Profit after tax will remain same: <BR> <BR> i. Investment income from pool (Terrorism / Nuclear) regrouped from ‘Other income’ to 'Income from investments (net)' for below period <BR> <BR> 01-04-2023 to 31-03-2024 Amount INR 8440 Lakhs <BR> <BR> ii. Employees’ remuneration and welfare expenses# regrouped from Operating expenses related to insurance business to Towards remuneration of MD/CEO/WTD/Other KMPs under the head ‘Other income’ for below period <BR> <BR> 01-04-2023 to 31-03-2024 Amount INR 812 Lakhs <BR> <BR> # Excess of Managerial remuneration over and above limit as prescribed by IRDAI regulation was earlier netted from 'Employees’ remuneration and welfare expenses' is now shown under the head 'Other Income'. <BR> 2024-04-012025-03-31AuditedStandalone28257740000020761060000019800200000031559000000-1950000002293660000003838030000038380300000151569000001329150000028448400000012486850000014999600000139868100000206696800000-86948000000022669200000226692000000226692000001004820000059390000033311300000562000000-58400000-405400000982000003321310000003321310000081302000002508290000055000060000042507700000675906000000.02690.3080.7060.7351.02850.7450.7400008420009440000.4840000000Foreign exchange gain / (loss)-37300000Towards remuneration of MD/CEO/WTD/Other KMPs10800000Miscellaneous Income29800000Foreign exchange gain / (loss)-384700000Towards remuneration of MD/CEO/WTD/Other KMPs39800000Miscellaneous Income149900000Business Development and Sales Promotion Expenses24300000Other expenses2699100000Business Development and Sales Promotion Expenses2020100000Other expenses11271400000Other income592700000Other income5939000001632500000409300000-7600000149850000055600000-24000000003819300000263800000400000015596500000609900000-590000014000000-5500000026516600000447350000015600000231500000587000003000002624000000329400000-500000Crop32290000057900000-20000065144000001972400000-4220000060739000004283000001600000000013869400000121150000013600000562426000003501900000-27660000040100000690000001004969000002213330000084900000856700000285900000900000966260000017967000004500000Crop42454000002221000003900000000000000Crop0000000000Crop020079000003376000000-552400000-18209000001400000-2808800000-105500000676800000Crop1672000005902900000-5163000000-2084900000-5996800000-7400000-7542100000956000001322900000Crop13130000024096000003908000000-284700000-1216900000-41000001680300000-465000001005800000Crop2249000007833100000-720000000-859800000-2771500000-400000146761000003824000003124100000Crop3572000004000700000151280000001093640000027088100000183000005552670000027382000007975500000Crop10000034225700000102192000000384420000015705400000820700000203154600000103820000033049900000Crop21539700000495730000013807370000025000001818200000498920000000149840900000137255100000397822600000080200000001690500000875700000144538700000145414400000427394600000112967100000540361700000-39494730000000149840900000515979000001) The above audited financial results of the ICICI Lombard General Insurance Company Limited (the Company) for the quarter and year ended March 31, 2025 were reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at its Meeting held on April 15, 2025. <BR> 2) The above audited financial results were audited by the joint statutory auditors, Walker Chandiok & Co LLP, Chartered Accountants and PKF Sridhar & Santhanam LLP, Chartered Accountants who have issued an unmodified opinion on these financial results. <BR> 3) During the quarter and year ended March 31, 2025, the Company has allotted 492,015 equity shares and 3,041.182 equity shares respectively of face value of Rs 10 each pursuant to exercise of employee stock options granted. (For the quarter ended December 31, 2024, 542,239 equity Shares were allotted, for the quarter and year ended March 31, 2024, 400,794 equity shares and 1,560,192 equity shares respectively were allotted) <BR> 4) The Board of directors has recommended a final dividend of Rs 7.00 per equity share of face value of Rs 10 each for the year ended March 31, 2025.The declaration and payment of final dividend is subject to requisite approvals. (During the year ended March 31, 2024 the Board of directors had recommended a final dividend of Rs 6.00 per equity share of face value of Rs 10 each). <BR> 5) In accordance with the Insurance Regulatory and Development Authority of India (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024, previous period figures have been regrouped / reclassified wherever necessary and the effect of that is given in Underwriting Profit/ (Loss), Expense of Management Ratio and Combined Ratio, while the Operating Profit and Profit after tax will remain same. <BR> 6) In accordance with the IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulation, 2024 and Master Circular thereon dated May 17, 2024, with effect from October 1, 2024 the Company has given effect to recognise gross written premium on a 1/n basis where "n" denotes the policy duration and commissions paid only on such recorded gross written premium for applicable long term products. This has resulted in a decrease in Gross Premium Written by Rs 34,629 lakhs & Rs 65,868 lakhs (decrease in Gross Premiums written has no resultant impact on Operating Profit ) respectively for the quarter and year ended March 31, 2025, also resulted in decrease of commissions & Brokerage (net) by Rs 5,697 lakhs & Rs 11,775 lakhs respectively for the quarter and year ended March 31, 2025. This resulted in an increase in the Operating Profit/(Loss) by Rs 5,697 lakhs & Rs 11,775 lakhs respectively for the quarter and year ended March 31, 2025 along with increase in Profit / (Loss) after tax Rs 4,314 lakhs Rs 8,892 lakhs respectively for the quarter and year ended March 31, 2025. <BR> 7) The Company computed it’s solvency ratio as on December 31, 2024 in accordance with IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulation, 2024 read with Master Circular thereon dated May 17, 2024. Subsequent to that on January 31, 2025 IRDAI has issued clarification in methodology of computation of admissible assets for solvency w.e.f. quarter ended December 31, 2024. Had the Company applied new methodology for the quarter ended December 31, 2024, it’s solvency ratio would have been higher by 31 basis points. <BR> 8) During the quarter and year ended March 31, 2025, the Company has received Assessment Orders under Income Tax Act for assessment years (AY) 2020-21, AY2021-22 and AY2023-24. The Company has added Rs 93,825 lakhs to its contingent liabilities for disallowance of certain expenses as inadmissible under Section 37(1) of Income Tax Act, 1961 made therein. The Company has been advised that its tax position is legally tenable. The Company is in the process of filing appeals against the said orders. <BR> 9) During the quarter and year ended March 31,2025, the company has received the orders from The Additional Commissioner of CGST & Central Excise, Palghar Commissionerate with respect to Input Tax Credit entitlement on certain expenses amounting Rs 3,25,140 lakhs for the period of July 2017 to March 2018 to FY 2022-23. The Company has been advised that its tax position is legally tenable. The Company is in the process of filing appeal against the said demand. <BR> 10) The amounts for the quarter ended March 31, 2025 are balancing amounts between the amounts as per audited financial results for the year ended March 31, 2025 and nine months ended December 31, 2024. <BR> 11) In accordance with requirements of IRDAI circular no. IRDAI/F&A/CIR/MISC/256/09/2021 dated September 30, 2021 on Public Disclosures by Insurers, the Company will publish the financials on the company's website latest by May 15, 2025. 00029032020000000000240899500000029658900000197618000000007949400000-3394000001147300000000156503950000016060385000000019000000231150000000000000000000319189000000000-1137260000000349610000000000035000000000571660000000-2570500000-24701000000-24701000003345800000875700000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionInsurance Premium10000000000NA182938300000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionClaim Paid10000000000NA40830000385907000299400000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionCommission/ Brokerage10000000000NA534993000371320000179347000ICICI Lombard General 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