General Insurance Corporation of India profit and loss

Latest FY26

EBITDA: ₹11,202cr+18.9% on FY25
Net profit: ₹9,662cr+30.0% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Jun 2026	FY26Mar 2026	FY25Mar 2025

Expenses
	981	906	143
	10,447	11,202	9,420
	10,447	11,202	9,420
Profit
	11,427	12,109	9,563
	8,901	9,662	7,432
Per share
	₹50.60	₹55.08	₹42.36
Revenue detail — as filed
	49,141	49,324	45,589
	8,594	8,674	8,735
Expense detail — as filed
	255	205	180
	8,580	8,067	7,472
	8,580	8,067	7,472
	213	296	243
	37.7	36.9	80.4
	56.2	118	54.5
Profit build-up — alternate / pre-Ind-AS tags
	11,427	12,109	9,563
	11,427	12,109	9,563
	2,526	2,446	2,131
	8,901	9,662	7,432
	36,260	34,516	26,614
Per share — as-filed variants
	₹9.94	₹55.08	₹42.36
	₹9.94	₹55.08	₹42.36
Appropriations & transfers
	756	739	598
	6,062	6,689	4,995
	60,127	—	—
	0.1	0.1	0.1
Insurance — revenue account (Policyholders')
	39,567	39,743	36,712
	45,492	44,368	41,955
	41,801	40,904	38,412
	506	452	394
	119	141	108
	26,680	27,252	26,297
	33,284	33,318	32,167
	6,604	6,066	5,870
	—	0.0	4,679
Insurance — Shareholders' account
	11,640	12,405	9,805
	4,602	4,568	4,170
	6,062	6,689	4,995
	0.1	0.1	0.1
	0.1	0.1	0.1
Insurance — result & transfers
	−2,756	−2,152	−3,284
	6,818	7,429	5,593
	−46.5	57.7	−37.6
	976	1,147	640
Insurance — fund NPAs
	1,691	844	895
	₹0.01	₹0.01	₹0.01
Insurance — IRDAI ratios (as filed, not percentages)
	4.21×	4.21×	3.70×
	₹0.04	₹0.04	₹0.04
	₹1.08	₹1.05	₹1.08
	₹0.88	₹0.84	₹0.88
	₹0.94	₹0.92	₹0.92
	₹0.01	₹0.01	₹0.01
Direct-method operating receipts — filed in the P&L block
	—	11.5	0.0
	—	101	2,331
Regulatory disclosures — filed alongside, not part of the P&L
	₹4.00	₹20.00	₹9.00
	₹4.00	₹20.00	₹9.00
	0.8%	0.8%	0.8%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

GICRE₹322.30

General Insurance Corporation of India

· Banking & Finance

Annual Quarterly₹ CrorePeersNIACL HDBFS CRISIL ICICIPRULI BAJAJHFL AIIL NAM-INDIA SUNDARMFINMcap ₹56,539 Cr

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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
Expenses
EBITDA	9,420.0	11,202.2	10,446.8
EBIT	9,420.0	11,202.2	10,446.8
Profit
Pretax Income	9,562.5	12,108.6	11,427.3
Net Income	7,431.8	9,662.4	8,901.2
Per Share
Basic EPS	42.36	55.08	50.60
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	36,259.6
Per Share — as-filed variants
Basic & Diluted EPS before Extraordinary (not annualised)	42.36	55.08	9.94
Basic & Diluted EPS after Extraordinary (not annualised)	42.36	55.08	9.94
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	—	—	60,127.2
+ 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	0.1
Without Unrealised Gains	0.1	0.1	0.1
Insurance — Result & Transfers
Underwriting Profit / (Loss)	-3,283.9	-2,151.5	-2,756.1
Operating Profit / (Loss)	5,593.3	7,428.7	6,818.1
+ Premium Deficiency	-37.6	57.7	-46.5
+ Other Income — Shareholders' Account	639.8	1,146.8	975.9
Insurance — Fund NPAs
+ Gross NPAs — Policyholders' Fund	895.1	844.0	1,691.4
+ Gross NPA % — Policyholders' Fund	0.01	0.01	0.01
Insurance — IRDAI Ratios (as filed, not percentages)
Solvency Ratio (x, one scale)	3.70	4.21	4.21
Solvency Ratio (as filed)	0.04	0.04	0.04
Combined Ratio	1.08	1.05	1.08
Incurred Claim Ratio	0.88	0.84	0.88
Net Retention Ratio	0.92	0.92	0.94
Expenses of Management Ratio	0.01	0.01	0.01
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	4.00
Investor Complaints — Disposed	9.00	20.00	4.00
Government of India Shareholding %	0.82	0.82	0.77
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

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.