In ₹ Crore except Per Share 12 Months Ending | FY24 31/03/2024 | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|---|
| Other Income | 5,895.2 | 71.1 | — | — | |
| Total Income | — | 96,184.0 | 98,770.4 | 1,03,027.1 | |
| Expenses | |||||
| Total Expenses | — | 95,130.9 | 98,420.5 | 1,02,444.7 | |
| EBITDA | 1,51,071.5 | — | — | — | |
| EBIT | 1,51,071.5 | — | — | — | |
| Profit | |||||
| PBT before Exceptional Items | 1,56,966.6 | — | — | — | |
| Pretax Income | 1,56,966.6 | — | — | — | |
| + Current Tax | — | -588.2 | 94.8 | 101.6 | |
| Tax Expense | -441.6 | 67.1 | — | — | |
| Net Income | 1,57,408.2 | 1,810.8 | — | — | |
| + Net Income — Continuing Ops | 1,57,408.2 | 1,810.8 | — | — | |
| Revenue Detail — as filed | |||||
| + Investment Income | — | 1,130.0 | 1,482.7 | 1,506.6 | |
| + Income from Investments (net) | — | 25,954.8 | 20,188.4 | 22,271.6 | |
| Expense Detail — as filed | |||||
| + Advertisement & Publicity | — | 1,043.5 | 0.0 | 0.0 | |
| + Employee Remuneration & Welfare | — | 3,213.4 | 3,950.8 | 3,992.2 | |
| + Commission | — | 7,837.9 | 9,145.7 | 9,506.2 | |
| + Commission (net) | — | 7,844.5 | 9,156.2 | 9,519.0 | |
| + Provision — Diminution in Investments | — | 82.3 | 12.8 | -20.6 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | |||||
| Profit / (Loss) before Tax | — | 1,877.9 | 1,962.3 | 2,028.9 | |
| + Current Taxes | — | 67.1 | 52.4 | 56.2 | |
| + Provision for Tax | — | -588.2 | 94.8 | 101.6 | |
| + Provisions for Taxes | — | 67.1 | 50.0 | 53.8 | |
| + Deferred Taxes | — | 0.0 | -2.4 | -2.4 | |
| PAT before Extraordinary Items | — | 1,810.8 | 1,912.3 | 1,975.2 | |
| PAT after Extraordinary Items | — | 1,810.8 | 1,912.3 | 1,975.2 | |
| Profit Carried to Balance Sheet | — | 9,621.4 | 11,081.3 | 43,523.1 | |
| Per Share — as-filed variants | |||||
| Basic & Diluted EPS before Extraordinary (not annualised) | — | 8.41 | 8.87 | 9.16 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | — | 8.41 | 8.86 | 9.15 | |
| Appropriations & Transfers | |||||
| Reserves & Surplus excl. Revaluation Reserve | — | 13,555.0 | 15,301.8 | 61,253.4 | |
| + Final Dividend | — | 0.0 | 0.0 | 0.0 | |
| Insurance — Revenue Account (Policyholders') | |||||
| + Gross Premium Income | — | 71,075.1 | 79,493.4 | 81,838.3 | |
| + Net Premium Income | — | 69,837.0 | 77,760.5 | 79,948.7 | |
| + First-year Premium | — | 13,003.0 | 13,959.3 | 14,146.2 | |
| + Renewal Premium | — | 37,682.9 | 43,314.0 | 44,741.3 | |
| + Single Premium | — | 20,389.2 | 22,220.0 | 22,950.8 | |
| + Commission — First-year Premium | — | 5,862.9 | 5,389.0 | 4,923.4 | |
| + Commission — Renewal Premium | — | 589.6 | 674.4 | 717.9 | |
| + Commission — Single Premium | — | 1,385.4 | 3,082.3 | 3,864.9 | |
| + Expenses of Management | — | 14,095.2 | 16,894.4 | 17,522.1 | |
| + Operating Expenses — Insurance Business | — | 6,250.8 | 7,738.2 | 8,003.1 | |
| + Expenses — Non-insurance | — | 210.2 | 336.3 | 359.3 | |
| + Benefits Paid (net) | — | 39,497.7 | 38,599.6 | 38,117.1 | |
| + Change in Actuarial Liability | — | 41,554.6 | 42,555.9 | 46,579.6 | |
| + Bonus Allocated to Policyholders | — | 870.6 | 835.6 | 835.6 | |
| + Interim Bonus Paid | — | 2,435.0 | 2,964.6 | 3,064.3 | |
| + Terminal Bonus Paid | — | 664.4 | 667.4 | 724.8 | |
| + GST on Linked Charges | — | 489.2 | 263.1 | 145.0 | |
| Surplus in the Revenue Account | — | 1,053.1 | 349.9 | 582.4 | |
| Net Surplus / (Deficit) | — | 1,053.1 | 349.9 | 582.4 | |
| + Funds for Future Appropriation | — | 46.2 | -851.3 | -623.8 | |
| + Policyholders' Liabilities to Shareholders' Fund | — | 20.3 | 20.2 | 80.4 | |
| + Payments — Premiums, Claims, Annuities & Benefits | — | 41,170.2 | 40,528.9 | — | |
| + Receipts — Premiums, Claims, Annuities & Benefits | — | 73,405.7 | 81,530.9 | — | |
| Insurance — Shareholders' Account | |||||
| + Income under Shareholders' Account | — | 1,201.1 | 1,585.0 | 1,630.5 | |
| + Shareholders' Account Income | — | 2,208.0 | 2,786.2 | 2,836.6 | |
| + Shareholders' Account Expenses | — | 330.1 | 823.8 | 807.7 | |
| + Shareholders' Provision — Diminution in Investments | — | 12.6 | 14.7 | 11.0 | |
| + Transfer from Policyholders' Account | — | 1,006.9 | 1,201.1 | 1,206.2 | |
| + Transfer of Funds to Policyholders' Account | — | 107.3 | 472.8 | 437.4 | |
| + Transferred to Shareholders' Account | — | 1,006.9 | 1,201.1 | 1,206.2 | |
| Shareholders' Fund — with Unrealised Gains | — | 0.1 | 0.0 | 0.1 | |
| Shareholders' Fund — without Unrealised Gains | — | 0.1 | 0.1 | 0.1 | |
| Insurance — Fund NPAs | |||||
| + Gross NPAs — Shareholders' Fund | — | 13.4 | 13.4 | 53.8 | |
| + Gross NPAs — Linked Non-participating | — | 59.9 | 59.9 | 239.6 | |
| + Gross NPA % — Linked Non-participating | — | 0.00 | 0.00 | 0.00 | |
| + Linked Non-participating — with Unrealised Gains | — | 0.0 | -0.0 | 0.0 | |
| + Linked Non-participating — without Unrealised Gains | — | 0.0 | 0.0 | 0.0 | |
| + Gross NPAs — Non-linked Participating | — | 9.2 | 9.2 | 36.9 | |
| + Gross NPA % — Non-linked Participating | — | 0.00 | 0.00 | 0.00 | |
| + Non-linked Participating — with Unrealised Gains | — | 0.0 | 0.0 | 0.0 | |
| + Non-linked Participating — without Unrealised Gains | — | 0.0 | 0.0 | 0.0 | |
| + Gross NPAs — Non-linked Non-participating | — | 8.0 | 8.0 | 32.0 | |
| + Gross NPA % — Non-linked Non-participating | — | 0.00 | 0.00 | 0.00 | |
| + Non-linked Non-participating — with Unrealised Gains | — | 0.0 | -0.0 | 0.0 | |
| + Non-linked Non-participating — without Unrealised Gains | — | 0.0 | 0.0 | 0.0 | |
| Insurance — IRDAI Ratios (as filed, not percentages) | |||||
| Solvency Ratio | — | 1.94 | 1.77 | 7.17 | |
| Conservation Ratio | — | 0.85 | 0.86 | 3.45 | |
| Expenses of Management Ratio | — | 0.20 | 0.21 | 0.87 | |
| Persistency — 13th Month | — | 0.87 | 0.85 | 3.22 | |
| Persistency — 25th Month | — | 0.78 | 0.77 | 2.92 | |
| Persistency — 37th Month | — | 0.74 | 0.73 | 2.89 | |
| Persistency — 49th Month | — | 0.70 | 0.71 | 2.76 | |
| Persistency — 61st Month | — | 0.64 | 0.64 | 2.56 | |
| Direct-method Operating Receipts — filed in the P&L block | |||||
| + Other Operating Cash Receipts | — | 412.5 | 434.9 | — | |
| + Other Operating Cash Payments | — | 11,701.7 | 14,752.3 | — | |
| Adjusted (ex-Exceptional Items) — derived | |||||
| Pretax Income (Adjusted, as filed) | 1,56,966.6 | — | — | — | |
| Net Income Adj (tax-effected) | 1,57,408.2 | — | — | — | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||
| Other Operating Expenses | — | 1,993.9 | 3,787.4 | 4,010.9 | |