In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|
| Other Income | 142.5 | 906.4 | 980.5 | |
| Revenue Detail — as filed | ||||
| + Operating Income | 45,589.0 | 49,323.5 | 49,141.3 | |
| + Income from Investments (net) | 8,734.7 | 8,673.8 | 8,593.6 | |
| Expense Detail — as filed | ||||
| + Employee Remuneration & Welfare | 179.8 | 205.1 | 255.5 | |
| + Commission (net) | 7,472.0 | 8,067.3 | 8,579.7 | |
| + Commission & Brokerage (net) | 7,472.0 | 8,067.3 | 8,579.7 | |
| + Non-operating Expense | 242.9 | 296.1 | 212.7 | |
| + Non-operating Provision — Diminution in Investments | 80.4 | 36.9 | 37.7 | |
| + Non-operating Provision — Doubtful Debts | 54.5 | 117.8 | 56.2 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | ||||
| Profit before Extraordinary Items | 9,562.5 | 12,108.6 | 11,427.3 | |
| Profit / (Loss) before Tax — alt tag | 9,562.5 | 12,108.6 | 11,427.3 | |
| + Provision for Tax | 2,130.7 | 2,446.2 | 2,526.1 | |
| Profit / (Loss) after Tax | 7,431.8 | 9,662.4 | 8,901.2 | |
| Profit Carried to Balance Sheet | 26,613.9 | 34,515.9 | 41,630.9 | |
| Per Share — as-filed variants | ||||
| Basic & Diluted EPS before Extraordinary (not annualised) | 42.36 | 55.08 | 50.60 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 42.36 | 55.08 | 50.60 | |
| Appropriations & Transfers | ||||
| + Transfer to Reserves | 598.0 | 739.3 | 756.3 | |
| + Transfer to Profit & Loss Account | 4,995.3 | 6,689.4 | 6,061.7 | |
| Reserves & Surplus excl. Revaluation Reserve | — | — | 2,26,453.4 | |
| + Final Dividend | 0.1 | 0.1 | 0.1 | |
| Insurance — Revenue Account (Policyholders') | ||||
| Premium Earned | 36,711.8 | 39,743.3 | 39,567.2 | |
| + Gross Premiums Written | 41,955.3 | 44,367.9 | 45,492.2 | |
| + Net Premium Written | 38,412.2 | 40,904.4 | 41,801.4 | |
| + Operating Expenses — Insurance Business | 394.5 | 451.6 | 506.5 | |
| + Non-operating Expenses — Non-insurance | 108.0 | 141.4 | 118.7 | |
| + Claims Paid | 26,297.1 | 27,251.9 | 26,679.8 | |
| + Incurred Claims | 32,166.9 | 33,318.2 | 33,283.6 | |
| + Change in Outstanding Claims | 5,869.8 | 6,066.3 | 6,603.8 | |
| + Receipts — Premiums, Claims, Annuities & Benefits | 4,678.9 | 0.0 | — | |
| Insurance — Shareholders' Account | ||||
| + Income — Shareholders' Account | 9,805.4 | 12,404.7 | 11,640.0 | |
| + Shareholders' Investment Income | 4,170.3 | 4,568.5 | 4,602.4 | |
| + Transfer from Policyholders' Fund | 4,995.3 | 6,689.4 | 6,061.7 | |
| With Unrealised Gains | 0.1 | 0.1 | 0.3 | |
| Without Unrealised Gains | 0.1 | 0.1 | 0.4 | |
| Insurance — Fund NPAs | ||||
| + Gross NPAs — Policyholders' Fund | 895.1 | 844.0 | 1,691.4 | |
| Insurance — IRDAI Ratios (as filed, not percentages) | ||||
| Solvency Ratio | 0.04 | 0.04 | 0.16 | |
| Combined Ratio | 1.08 | 1.05 | 4.25 | |
| Incurred Claim Ratio | 0.88 | 0.84 | 3.36 | |
| Net Retention Ratio | 0.92 | 0.92 | 3.67 | |
| Expenses of Management Ratio | 0.01 | 0.01 | 0.05 | |
| Direct-method Operating Receipts — filed in the P&L block | ||||
| + Other Operating Cash Receipts | 0.0 | 11.5 | — | |
| + Other Operating Cash Payments | 2,330.9 | 100.6 | — | |
| Regulatory Disclosures — filed alongside, not part of the P&L | ||||
| Investor Complaints — Received | 9.00 | 20.00 | 23.00 | |
| Investor Complaints — Disposed | 9.00 | 20.00 | 23.00 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | ||||
| Operating Expenses | 39,995.7 | 41,894.9 | 42,323.3 | |
| Other Operating Expenses | 214.6 | 246.5 | 251.0 | |