Insurance
Growth & Returns | |
|---|---|
| Price Change 1W | 9.4% |
| Price Change 1M | 5.9% |
| Price Change 6M | -1.2% |
| Price Change 1Y | 8.8% |
| 3Y Cumulative Return | 14.4% |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 12 |
Momentum: Stock price has a strong positive momentum. Stock is up 5.9% in last 30 days.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Dividend: Stock hasn't been paying any dividend.
Momentum: Stock price has a strong positive momentum. Stock is up 5.9% in last 30 days.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Dividend/Share (TTM) | 12 |
Technical Indicators | |
|---|---|
| RSI (14d) | 71.36 |
| RSI (5d) | 80.2 |
| RSI (21d) | 60.92 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Sell |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Updated Feb 8, 2026
The Indian government is considering a follow-on public offering (FPO) to reduce its stake in LIC to meet public shareholding norms.
Despite positive earnings, LIC is faced with rising expenses, including management costs and benefits paid.
The IPO of the National Stock Exchange, which involves LIC as a key seller, has been delayed for years due to past governance issues.
Summary of LIFE INSURANCE Corp OF INDIA's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Management provided an optimistic outlook for Life Insurance Corporation of India (LIC), highlighting several key financial metrics and strategic developments. For the half-year ending September 30, 2025, LIC reported a total premium income of Rs 2,45,680 crores, marking a growth of 5.14% year-on-year. Their market share by first-year premium stands at 59.41%, with a decline in individual business share to 37.21% from 39.79% last year, while group business share decreased to 72.74% from 74.77%.
The company's individual new business premium earned Rs 28,491 crores, reflecting a drop of 3.54% year-on-year. However, total individual premium income (including renewals) rose to Rs 1,50,715 crores, up by 4.16%. Renewal premium income increased significantly to Rs 1,22,224 crores from Rs 1,15,158 crores in the same period last year.
Profit After Tax increased to Rs 21,040 crores, a growth of 16.36%, while the net Value of New Business (VNB) saw a rise of 12.3% to Rs 5,111 crores, with a VNB margin improvement of 140 basis points to 17.6%. The solvency ratio improved to 2.13, and Assets Under Management (AUM) reached Rs 57.23 lakh crores, up by 3.31%.
Key forward-looking points include:
Management expressed confidence in achieving an overall increase in policy sales and maintaining robust growth metrics despite fluctuations in specific market segments.
Understand LIFE INSURANCE Corp OF INDIA ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| President of India | 96.5% |
Distribution across major stakeholders
Detailed comparison of LIFE INSURANCE Corp OF INDIA against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | Bajaj Finserv | 3.23 LCr | 1.49 LCr | -0.40% | +13.20% | 33.35 | 2.17 | - | - |
| MFSL | Max Financial Services | 58.83 kCr |
Life Insurance Corporation of India provides life insurance products in India, Fiji, Mauritius, and the United Kingdom. It offers insurance plans, including endowment, whole life, term insurance plans, money back, and term assurance plans, as well as riders comprising accidental death and disability benefit, critical illness benefit, and premium waiver benefit riders. The company also provides pension, unit linked, micro insurance, withdrawal, and health plans, as well as various group schemes. Life Insurance Corporation of India was incorporated in 1956 and is based in Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
General • 06 Feb 2026 This is to inform that Corporate Presentation is enclosed herewith. |
Newspaper Publication • 06 Feb 2026 It is to inform that the Financial results for the period ended December 31, 2025 are published in the Newspapers which are enclosed herewith. |
Press Release / Media Release • 05 Feb 2026 It is to inform that the Life Insurance Corporation of India has issued a Press Release on Performance update for the quarter and nine months ended December 31, 2025. |
Analyst / Investor Meet • 05 Feb 2026 It is to inform that the Audio call of the Analyst / Investor Meet held today is available on the website of the Life Insurance Corporation of India. |
Investor Presentation • 05 Feb 2026 This is to inform that the Investor Presentation for the quarter and nine months ended December 31, 2025 is enclosed and it is also available on the website. |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Question: "Should we expect the share of ULIP to grow meaningfully from current levels?"
Answer: Yes, ULIP is gaining traction in LIC, having recorded over 100% growth this quarter. We are capturing this trend and expect continued strong performance in ULIPs.
Question: "What is the company's solvency ratio under the Risk Based Capital regime?"
Answer: We submitted QIS1 and QIS2 to IRDAI, and discussions are ongoing. The ultimate solvency ratio under the RBC regime is still dynamic and cannot be disclosed until final results are clarified by the regulator.
Question: "What are the steps to improve NOP given its decline?"
Answer: NOP fell due to a new Master Circular mandating changes to existing products, impacting policy sales. Post-October, sales are picking up, so we anticipate a rebound in performance.
Question: "Why is there a discrepancy in the adjusted net worth and VIF?"
Answer: This variation is primarily due to mark-to-market contributions impacting the embedded value. Core business contributions have improved, affecting the overall valuations.
Question: "What is the impact of GST changes on margins?"
Answer: The margin impact due to GST adjustments is already reflected in our current figures. We anticipate further improvements through operational efficiencies and business volume growth.
Question: "Will the VNB margin stabilize at 17.6%?"
Answer: We expect to maintain this margin, but it depends on execution and the evolving product mix as we adapt to market conditions and consumer needs.
Question: "Are ULIP margins better than the company average?"
Answer: ULIPs contribute positively to the VNB margin, but the overall margin is influenced by several product lines, including savings and annuities, which also offer higher margins.
Question: "What is the strategy for growing the annuity business?"
Answer: We will focus on enhancing existing annuity products and expect that increased focus alongside ULIPs will rejuvenate growth in this segment.
Question: "What will be the focus moving forward regarding market share versus product mix stabilization?"
Answer: Our priority will remain on top line growth instead of a fixed market share target. We anticipate improvements across various segments, including par, non-par savings, and annuities, contributing to overall growth.
Question: "How is the company adapting to the GST input tax credit situation?"
Answer: We are maintaining focus on increasing business volume and improving commission structures will not be our primary focus; rather, we'll focus on improving policy ticket sizes and contributions from existing products.
Distribution across major institutional holders
| 43.95 kCr |
| -1.30% |
| +53.80% |
| 364.23 |
| 1.34 |
| - |
| - |
| HDFCLIFE | HDFC LIFE INSURANCE Co. | - | - | -8.90% | +11.30% | - | - | - | - |
| ICICIPRULI | ICICI Prudential Life Insurance Co. | - | - | -4.80% | +8.60% | - | - | - | - |
| SBILIFE | SBI Life Insurance Co. | - | - | -3.60% | +36.30% | - | - | - | - |
General • 04 Feb 2026 This is to inform that the officials of Life Insurance Corporation of India will be participating in the Investor Conference in February 2026. |
Change in Management • 30 Jan 2026 It is to inform that the two Senior Management Personnel of Life Insurance Corporation of India will be superannuating w.e.f. January 31, 2026. |