| Tap a line for its trend | Last 12Mto Sep 2026 | FY26Mar 2026 | FY25Mar 2025 |
|---|
| 66,222 | 63,420 | 70,620 | |
Expenses | |||
| 63,955 | 60,958 | 69,530 | |
| 1,981 | 1,807 | 1,336 | |
| 1,981 | 1,807 | 1,336 | |
Profit | |||
| 1,981 | 1,807 | 1,336 | |
| −298 | −253 | 250 | |
| 1,759 | 1,600 | 1,189 | |
Per share | |||
| ₹12.09 | ₹11.00 | ₹8.18 | |
Revenue detail — as filed | |||
| 1,313 | 1,266 | 696 | |
| 10,820 | 10,865 | 22,819 | |
Expense detail — as filed | |||
| 220 | 252 | 534 | |
| 1,993 | 1,879 | 1,871 | |
| 5,423 | 5,181 | 4,114 | |
| 5,423 | 5,181 | 4,859 | |
| −16.1 | −16.1 | −7.0 | |
| 45.4 | 58.2 | 10.0 | |
| 0.3 | 0.3 | 10.0 | |
Profit build-up — alternate / pre-Ind-AS tags | |||
| 1,981 | 1,807 | 1,336 | |
| 222 | 206 | 147 | |
| −298 | −253 | 250 | |
| 222 | 206 | 147 | |
| 1,759 | 1,600 | 1,189 | |
| 1,759 | 1,600 | 1,189 | |
| 8,676 | 8,155 | 6,678 | |
Per share — as-filed variants | |||
| ₹2.58 | ₹11.06 | ₹8.24 | |
| ₹2.57 | ₹11.00 | ₹8.18 | |
Appropriations & transfers | |||
| 12,786 | 12,182 | 10,522 | |
| 0.0 | 0.0 | 0.0 | |
Insurance — revenue account (Policyholders') | |||
| 56,379 | 53,125 | 48,951 | |
| 54,543 | 51,336 | 47,259 | |
| 8,869 | 8,432 | 8,115 | |
| 29,202 | 28,316 | 25,720 | |
| 18,307 | 16,377 | 15,116 | |
| 2,127 | 2,110 | 1,554 | |
| 592 | 601 | 555 | |
| 2,703 | 2,470 | 2,005 | |
| 10,451 | 9,611 | 8,831 | |
| 5,028 | 4,430 | 3,972 | |
| 204 | 199 | 128 | |
| 48,028 | 47,195 | 46,182 | |
| 5,712 | 4,027 | 13,571 | |
| 677 | 677 | 715 | |
| 1,032 | 987 | 711 | |
| 32.1 | 336 | 692 | |
| 2,267 | 2,462 | 1,090 | |
| 2,267 | 2,462 | 1,090 | |
| 776 | 657 | −3.4 | |
| 88.0 | 21.8 | 25.6 | |
| — | 48,762 | −53,277 | |
| — | 54,320 | 0.0 | |
Insurance — Shareholders' account | |||
| 1,347 | 1,267 | 699 | |
| 2,837 | 3,072 | 1,792 | |
| 855 | 1,265 | 455 | |
| 71.3 | 76.4 | 0.0 | |
| 1,490 | 1,805 | 1,093 | |
| 580 | 990 | 318 | |
| 1,490 | 1,805 | 1,093 | |
| −0.0 | 0.1 | 0.0 | |
| 0.1 | 0.1 | 0.1 | |
Insurance — result & transfers | |||
| 3,975 | 4,125 | 2,516 | |
| 279 | 230 | 223 | |
| 33.6 | 1.0 | 2.8 | |
| 580 | 990 | 318 | |
Insurance — fund NPAs | |||
| 0.0 | −0.0 | 0.0 | |
| 0.0 | 0.0 | 0.0 | |
| 0.0 | 0.0 | 0.0 | |
| 0.0 | 0.0 | 0.0 | |
| 0.0 | 0.0 | 0.0 | |
| 0.0 | 0.0 | 0.0 | |
Insurance — IRDAI ratios (as filed, not percentages) | |||
| 2.27× | 2.27× | 1.92× | |
| ₹2.30 | ₹2.27 | ₹1.92 | |
| ₹0.83 | ₹0.81 | ₹0.81 | |
| ₹0.19 | ₹0.18 | ₹0.17 | |
| ₹0.84 | ₹0.85 | ₹0.89 | |
| ₹0.75 | ₹0.81 | ₹0.83 | |
| ₹0.73 | ₹0.76 | ₹0.75 | |
| ₹0.71 | ₹0.72 | ₹0.70 | |
| ₹0.62 | ₹0.62 | ₹0.64 | |
Direct-method operating receipts — filed in the P&L block | |||
| — | 0.0 | 50,124 | |
| — | 0.0 | 383 | |
| — | 464 | 0.0 | |
| — | 9,819 | −4,779 | |
Regulatory disclosures — filed alongside, not part of the P&L | |||
| ₹0.00 | ₹2.00 | ₹0.00 | |
| ₹0.00 | ₹2.00 | ₹0.00 | |
From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.
In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/09/2026 | |
|---|---|---|---|---|
| Total Income | 70,619.9 | 63,420.4 | 66,222.1 | |
| Expenses | ||||
| Total Expenses | 69,530.3 | 60,958.3 | 63,955.4 | |
| EBITDA | 1,336.4 | 1,806.8 | 1,981.4 | |
| EBIT | 1,336.4 | 1,806.8 | 1,981.4 | |
| Profit | ||||
| Pretax Income | 1,336.4 | 1,806.8 | 1,981.4 | |
| + Current Tax | 250.1 | -253.0 | -297.6 | |
| Net Income | 1,189.1 | 1,600.4 | 1,759.4 | |
| Per Share | ||||
| Basic EPS | 8.18 | 11.00 | 12.09 | |
| Revenue Detail — as filed | ||||
| + Investment Income | 696.0 | 1,265.9 | 1,313.0 | |
| + Income from Investments (net) | 22,819.5 | 10,865.2 | 10,820.2 | |
| Expense Detail — as filed | ||||
| + Advertisement & Publicity | 533.9 | 252.5 | 219.9 | |
| + Employee Remuneration & Welfare | 1,870.7 | 1,879.0 | 1,992.5 | |
| + Commission | 4,113.9 | 5,181.1 | 5,422.7 | |
| + Commission (net) | 4,859.4 | 5,181.1 | 5,422.7 | |
| + Provision — Diminution in Investments | -7.0 | -16.1 | -16.1 | |
| + Provision — Doubtful Debts & Write-offs | 10.0 | 58.2 | 45.4 | |
| + Provision — Doubtful Debts incl. Write-off | 10.0 | 0.3 | 0.3 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | ||||
| Profit / (Loss) before Tax | 1,336.4 | 1,806.8 | 1,981.4 | |
| + Current Taxes | 147.4 | 206.4 | 222.0 | |
| + Provision for Tax | 250.1 | -253.0 | -297.6 | |
| + Provisions for Taxes | 147.4 | 206.4 | 222.0 | |
| PAT before Extraordinary Items | 1,189.1 | 1,600.4 | 1,759.4 | |
| PAT after Extraordinary Items | 1,189.1 | 1,600.4 | 1,759.4 | |
| Profit Carried to Balance Sheet | 6,677.8 | 8,155.3 | 8,676.3 | |
| Per Share — as-filed variants | ||||
| Basic & Diluted EPS before Extraordinary (not annualised) | 8.24 | 11.06 | 2.58 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 8.18 | 11.00 | 2.57 | |
| Appropriations & Transfers | ||||
| Reserves & Surplus excl. Revaluation Reserve | 10,522.3 | 12,181.8 | 12,785.7 | |
| + Final Dividend | 0.0 | 0.0 | 0.0 | |
| Insurance — Revenue Account (Policyholders') | ||||
| + Gross Premium Income | 48,950.7 | 53,124.6 | 56,378.8 | |
| + Net Premium Income | 47,259.4 | 51,335.6 | 54,542.6 | |
| + First-year Premium | 8,114.6 | 8,432.2 | 8,869.2 | |
| + Renewal Premium | 25,720.2 | 28,315.6 | 29,202.2 | |
| + Single Premium | 15,116.0 | 16,376.9 | 18,307.4 | |
| + Commission — First-year Premium | 1,553.6 | 2,109.9 | 2,127.2 | |
| + Commission — Renewal Premium | 555.3 | 601.0 | 592.1 | |
| + Commission — Single Premium | 2,005.1 | 2,470.3 | 2,703.4 | |
| + Expenses of Management | 8,831.0 | 9,610.9 | 10,451.2 | |
| + Operating Expenses — Insurance Business | 3,971.6 | 4,429.8 | 5,028.5 | |
| + Expenses — Non-insurance | 127.6 | 198.9 | 204.0 | |
| + Benefits Paid (net) | 46,182.5 | 47,195.1 | 48,028.1 | |
| + Change in Actuarial Liability | 13,571.4 | 4,027.4 | 5,712.4 | |
| + Bonus Allocated to Policyholders | 714.6 | 676.6 | 676.6 | |
| + Interim Bonus Paid | 711.4 | 986.7 | 1,031.6 | |
| + GST on Linked Charges | 692.3 | 335.8 | 32.1 | |
| Surplus in the Revenue Account | 1,089.7 | 2,462.1 | 2,266.8 | |
| Net Surplus / (Deficit) | 1,089.7 | 2,462.1 | 2,266.8 | |
| + Funds for Future Appropriation | -3.4 | 656.9 | 776.5 | |
| + Policyholders' Liabilities to Shareholders' Fund | 25.6 | 21.8 | 88.0 | |
| + Payments — Premiums, Claims, Annuities & Benefits | -53,277.0 | 48,762.4 | — | |
| + Receipts — Premiums, Claims, Annuities & Benefits | 0.0 | 54,319.7 | — | |
| Insurance — Shareholders' Account | ||||
| + Income under Shareholders' Account | 698.8 | 1,266.9 | 1,346.6 | |
| + Shareholders' Account Income | 1,791.8 | 3,072.1 | 2,836.9 | |
| + Shareholders' Account Expenses | 455.4 | 1,265.3 | 855.5 | |
| + Shareholders' Provision — Diminution in Investments | 0.0 | 76.4 | 71.3 | |
| + Transfer from Policyholders' Account | 1,093.1 | 1,805.2 | 1,490.3 | |
| + Transfer of Funds to Policyholders' Account | 317.8 | 989.7 | 580.0 | |
| + Transferred to Shareholders' Account | 1,093.1 | 1,805.2 | 1,490.3 | |
| Shareholders' Fund — with Unrealised Gains | 0.0 | 0.1 | -0.0 | |
| Shareholders' Fund — without Unrealised Gains | 0.1 | 0.1 | 0.1 | |
| Insurance — Result & Transfers | ||||
| Surplus / (Deficit) | 2,515.7 | 4,125.4 | 3,975.0 | |
| + Other Income — Policyholders' Account | 223.2 | 229.9 | 279.4 | |
| + Other Income — Shareholders' Account | 2.8 | 1.0 | 33.6 | |
| + Transfer of Funds from Shareholders' Account | 317.8 | 989.7 | 580.0 | |
| Insurance — Fund NPAs | ||||
| + Linked Non-participating — with Unrealised Gains | 0.0 | -0.0 | 0.0 | |
| + Linked Non-participating — without Unrealised Gains | 0.0 | 0.0 | 0.0 | |
| + Non-linked Participating — with Unrealised Gains | 0.0 | 0.0 | 0.0 | |
| + Non-linked Participating — without Unrealised Gains | 0.0 | 0.0 | 0.0 | |
| + 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 (x, one scale) | 1.92 | 2.27 | 2.27 | |
| Solvency Ratio (as filed) | 1.92 | 2.27 | 2.30 | |
| Conservation Ratio | 0.81 | 0.81 | 0.83 | |
| Expenses of Management Ratio | 0.17 | 0.18 | 0.19 | |
| Persistency — 13th Month | 0.89 | 0.85 | 0.84 | |
| Persistency — 25th Month | 0.83 | 0.81 | 0.75 | |
| Persistency — 37th Month | 0.75 | 0.76 | 0.73 | |
| Persistency — 49th Month | 0.70 | 0.72 | 0.71 | |
| Persistency — 61st Month | 0.64 | 0.62 | 0.62 | |
| Direct-method Operating Receipts — filed in the P&L block | ||||
| + Receipts — Sales of Goods & Services | 50,124.2 | 0.0 | — | |
| + Receipts — Royalties, Fees & Commissions | 383.5 | 0.0 | — | |
| + Other Operating Cash Receipts | 0.0 | 463.6 | — | |
| + Other Operating Cash Payments | -4,779.4 | 9,818.8 | — | |
| Regulatory Disclosures — filed alongside, not part of the P&L | ||||
| Investor Complaints — Received | 0.00 | 2.00 | 0.00 | |
| Investor Complaints — Disposed | 0.00 | 2.00 | 0.00 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | ||||
| Other Operating Expenses | 1,567.1 | 2,298.4 | 2,816.1 | |