Life Insurance Corporation of India

Life Insurance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Life Insurance Corporation of India

₹ 896 -0.42%
21 Aug - close price
licindia.in BSE: 543526 NSE: LICI
About

Life Insurance Corporation (LIC) is the largest insurance provider company in India. It has a market share of above 66.2% in new business premium. The company offers participating insurance products and non-participating products like unit-linked insurance products, saving insurance products, term insurance products, health insurance, and annuity & pension products.[1]

Key Points

Largest Insurance Company
The company is India’s largest life insurer and the world’s leading insurance brand. LIC is the 4th largest insurer in the world based on life and accident and health reserves, as ranked by S&P Global Market Intelligence. [1] [2] Its market share across categories is:
By Premium: 61.07% in H1 FY25 vs 63.25% in FY22
By Policies: 68.7% in H1 FY25 vs 74.62% in FY22
By Number of Agents: 47.56% in H1 FY25 vs 51.26% in FY22 [3] [4] [5] [6]

Website BSE NSE
  • Market Cap ₹ 5,66,467 Cr.
  • Current Price ₹ 896
  • High / Low ₹ 1,095 / 715
  • Stock P/E 11.6
  • Book Value ₹ 201
  • Dividend Yield 1.34 %
  • ROCE 53.1 %
  • ROE 45.7 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company has delivered good profit growth of 77.7% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 62.9%

Cons

  • The company has delivered a poor sales growth of 7.22% over past five years.
  • Tax rate seems low

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Insurance Life Insurance

Part of BSE 500 BSE 200 BSE PSU Nifty Next 50 Nifty 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
168,799 217,092 197,714 201,231 190,163 203,033 214,054 238,717 211,952 231,132 203,751 243,134 224,671
168,360 202,366 194,094 189,692 180,169 194,558 204,815 237,152 202,180 224,544 191,818 221,621 214,198
Operating Profit 439 14,727 3,620 11,539 9,994 8,475 9,239 1,564 9,773 6,588 11,934 21,514 10,474
OPM % 0% 7% 2% 6% 5% 4% 4% 1% 5% 3% 6% 9% 5%
992 6,046 270 612 117 288 206 14,249 1,001 794 818 954 780
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,431 20,772 3,891 12,151 10,111 8,763 9,445 15,813 10,774 7,382 12,752 22,468 11,253
Tax % 103% 26% -63% 8% 14% 13% 15% 12% 15% 16% 14% 15% 15%
608 15,858 7,306 13,189 9,634 8,032 9,434 13,842 10,527 7,723 11,009 19,039 10,955
EPS in Rs 0.95 25.07 11.56 20.86 15.23 12.70 14.97 21.88 16.67 12.22 17.40 30.10 17.32
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
571,508 628,043 690,914 723,606 784,628 845,966 889,970 902,689
565,587 634,989 691,166 720,280 750,420 813,316 836,692 852,180
Operating Profit 5,920 -6,947 -252 3,326 34,207 32,651 53,278 50,509
OPM % 1% -1% -0% 0% 4% 4% 6% 6%
2,615 20,870 12,820 9,248 7,800 14,829 3,495 3,346
Interest 0 0 0 0 77 0 0 0
Depreciation 336 379 417 436 466 466 506 0
Profit before tax 8,199 13,544 12,151 12,138 41,463 47,014 56,267 53,855
Tax % 68% 80% 76% 66% 13% 13% 14%
2,627 2,710 2,974 4,125 35,997 40,916 48,320 48,725
EPS in Rs 6.52 56.91 64.69 76.40 77.04
Dividend Payout % 2% 2% 0% 23% 5% 15% 16%
Compounded Sales Growth
10 Years: %
5 Years: 7%
3 Years: 7%
TTM: 4%
Compounded Profit Growth
10 Years: %
5 Years: 78%
3 Years: 127%
TTM: 16%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 10%
1 Year: -17%
Return on Equity
10 Years: %
5 Years: 62%
3 Years: 63%
Last Year: 46%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 100 100 100 6,325 6,325 6,325 6,325
Reserves 710 902 6,784 5,013 39,908 76,422 120,901
269,401 253,414 4 1 0 0 0
3,157,039 3,245,419 3,822,637 4,242,719 4,532,258 5,233,300 5,533,342
Total Liabilities 3,427,249 3,499,834 3,829,524 4,254,059 4,578,491 5,316,047 5,660,568
25,194 28,216 17,723 17,770 20,473 20,667 21,330
CWIP 710 734 148 199 331 403 326
Investments 2,900,287 2,976,100 3,517,445 3,926,212 4,243,008 4,976,133 5,298,429
501,059 494,784 294,208 309,878 314,678 318,844 340,483
Total Assets 3,427,249 3,499,834 3,829,524 4,254,059 4,578,491 5,316,047 5,660,568

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
13,274 54,367 80,602 -3,783 54,519 26,548 -9,145
9,636 -40,415 148,447 12,531 -52,848 -25,695 40,832
-13,700 -18,664 -256,125 0 -949 -4,427 -3,794
Net Cash Flow 9,210 -4,712 -27,077 8,748 722 -3,574 27,893

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0
Working Capital Days 78 63 35 42 43 39 38
ROCE % 5% 9% 132% 144% 73% 53%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50% 96.50%
0.18% 0.17% 0.08% 0.08% 0.10% 0.06% 0.14% 0.19% 0.16% 0.07% 0.10% 0.11%
0.91% 0.91% 0.90% 0.83% 0.84% 1.00% 0.85% 0.94% 1.16% 1.26% 1.27% 1.37%
2.42% 2.42% 2.52% 2.58% 2.55% 2.43% 2.49% 2.37% 2.17% 2.15% 2.13% 2.02%
No. of Shareholders 36,03,67934,42,34033,78,79932,81,54431,34,54129,36,74027,16,18125,63,69323,98,13023,75,39623,71,84122,77,180

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

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