LIFE INSURANCE CORPORATION OF INDIA
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
Nothing crossed the threshold for this company yet — see the data-coverage note below.
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Insurance › Life Insurance.
- Market cap
- ₹2.48 L cr
- FY2026 net premium
- ₹5,37,604 cr
- FY2026 net profit
- ₹57,453 cr
- Net worth
- ₹1,76,881 cr
- Total assets
- ₹59,09,531 cr
- EPS (basic)
- ₹90.84
- Listed
- NSE · BSE
- Reporting
- IRDAIApr–Mar
Peer set used on this page: 4 life insurance.
Is the business growing?
Net premium and profit over the loaded history are shown above.
- Net premium growth per year
- +9.8%over 1 years
- Net premium growth
- +9.8%vs last year
- Net profit growth
- +18.9%vs last year
- Change in net profit since FY25
- +19%
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Q1 FY27 net profit was ₹13,584 cr, up 24.0% from ₹10,957 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 claims ratio was 95.5%, up 13.97 percentage points from 81.6% a year earlier.
Rule QTR_INSURER_CLAIMS_RATIO_CHANGE_YOY
Q1 FY27 net profit grew 24.0% while net premium grew 6.7% vs the same quarter last year — a gap of 17.3 percentage points.
Rule QTR_PROFIT_VS_REVENUE_GROWTH
A. Quarterly results
| Quarter | Net premium | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q4 FY25 | 1,47,917 | — | 19,039 | — |
| Q1 FY26 | 1,19,618 | — | 10,957 | — |
| Q2 FY26 | 1,26,930 | — | 10,098 | — |
| Q3 FY26 | 1,25,988 | — | 12,930 | — |
| Q4 FY26 | 1,65,067 | +11.6% | 23,467 | +23.3% |
| Q1 FY27 | 1,27,623 | +6.7% | 13,584 | +24.0% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Net premium
- ₹5,45,609 crTTM
- PBT
- ₹60,225 crTTM
- Net profit
- ₹60,080 crTTM
C. Corporate actions
Is it becoming more profitable?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- Net margin
- 5.9%
- Expense ratio
- 11.9%
- Benefits / premium
- 92.7%
- ROE FY2026
- 37.8%
Is financial health improving?
Leverage and cash generation over the loaded history are shown above.
- Net worth
- ₹1,76,881 cr
- Total assets
- ₹59,09,531 cr
- Investments
- ₹55,80,356 cr
- Policyholders' surplus
- ₹61,039 cr
How does it compare with peers?
Ranked against 4 life insurance (FY2026, consolidated). No peer-relative rule fired for this company.
Revenue growth
LICI · 3rd of 3 · set median 11.3%
Return on equity
LICI · 1st of 3 · set median 13.7%
P/E ratio
LICI · 1st of 4 · set median 62.4×
- P / E
- 4.1×TTM to Jun 26
- P / B
- 1.4×latest book
- P / S
- 0.5×TTM sales
- Earnings yield
- 24.2%TTM to Jun 26
On the trailing twelve months. Last full year: P/E 4.3× · P/S 0.3× · ROE 37.8%. TTM and full-year revenue differ by more than 15% — a one-off in a recent quarter is moving the trailing figure; weigh it against the full year.
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- −13.2%
- 3-year return
- +20.7%
- 5-year return
- —
- From 52-wk high
- −15.1%
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹410
- vs 200-day avg
- Below₹413
- RSI (14)
- 39.2neutral
- MACD histogram
- -0.9
- From 52-wk high
- −15.1%
- From 52-wk low
- +8.1%
- 30-day volatility
- 22.1%ann.
- 6-month return
- +8.1%
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
Nothing is flagged for review for this company.
- Only 2 annual year(s) of financials loaded — multi-year trend analysis is limited.
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY25 | FY26 |
|---|---|---|
| Revenue | 4,89,775 | 5,37,604 |
| Total income | 8,92,146 | 9,81,779 |
| Gross premium income | 4,90,489 | 5,38,379 |
| Net premium income | 4,89,775 | 5,37,604 |
| Benefits paid (net) | 4,20,584 | 4,98,515 |
| Profit before tax | 48,351 | 57,524 |
| Net profit | 48,320 | 57,453 |
| EPS (₹) | 76.4 | 90.8 |
| Net worth | 1,27,504 | 1,76,881 |
| Investments | 53,15,603 | 55,80,356 |
| Operating cash flow | −9,145 | −26,211 |
| Ratio | FY25 | FY26 |
|---|---|---|
| Growth | ||
| Net premium growth YoY | — | 9.8 |
| Profit growth YoY | — | 18.9 |
| Profitability & efficiency | ||
| Net margin % | 5.4 | 5.9 |
| Expense ratio % | 12.4 | 11.9 |
| Benefits / premium % | 85.9 | 92.7 |
| Return on equity % | 37.9 | 37.8 |