In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | |
|---|---|---|---|
| Total Income | 70,619.9 | 63,420.4 | |
| Expenses | |||
| Total Expenses | 69,530.3 | 60,958.3 | |
| Profit | |||
| + Current Tax | 250.1 | -253.0 | |
| Revenue Detail — as filed | |||
| + Investment Income | 699.2 | 1,156.0 | |
| + Income from Investments (net) | 22,819.5 | 10,865.2 | |
| Expense Detail — as filed | |||
| + Advertisement & Publicity | 533.9 | 252.5 | |
| + Employee Remuneration & Welfare | 1,870.7 | 1,879.0 | |
| + Commission | 4,113.9 | 5,181.1 | |
| + Commission (net) | 4,859.4 | 5,181.1 | |
| + Provision — Diminution in Investments | -7.0 | -16.1 | |
| + Provision — Doubtful Debts & Write-offs | 10.0 | 58.2 | |
| + Provision — Doubtful Debts incl. Write-off | 10.0 | 0.3 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | |||
| Profit / (Loss) before Tax | 1,331.7 | 1,811.9 | |
| + Current Taxes | 147.3 | 206.4 | |
| + Provision for Tax | 250.1 | -253.0 | |
| + Provisions for Taxes | 146.2 | 204.0 | |
| + Deferred Taxes | -1.2 | -2.4 | |
| PAT before Extraordinary Items | 1,185.5 | 1,607.9 | |
| PAT after Extraordinary Items | 1,185.5 | 1,607.9 | |
| Profit Carried to Balance Sheet | 6,670.3 | 8,155.3 | |
| Per Share — as-filed variants | |||
| Basic & Diluted EPS before Extraordinary (not annualised) | 8.21 | 11.01 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 8.16 | 10.94 | |
| Appropriations & Transfers | |||
| Reserves & Surplus excl. Revaluation Reserve | 10,514.8 | 12,181.8 | |
| + Final Dividend | 0.0 | 0.0 | |
| Insurance — Revenue Account (Policyholders') | |||
| + Gross Premium Income | 48,950.7 | 53,124.6 | |
| + Net Premium Income | 47,259.4 | 51,335.6 | |
| + First-year Premium | 8,114.6 | 8,432.2 | |
| + Renewal Premium | 25,720.2 | 28,315.6 | |
| + Single Premium | 15,116.0 | 16,376.9 | |
| + Commission — First-year Premium | 1,553.6 | 2,109.9 | |
| + Commission — Renewal Premium | 555.3 | 601.0 | |
| + Commission — Single Premium | 2,005.1 | 2,470.3 | |
| + Expenses of Management | 8,831.0 | 9,610.9 | |
| + Operating Expenses — Insurance Business | 3,971.6 | 4,429.8 | |
| + Expenses — Non-insurance | 164.0 | 241.7 | |
| + Benefits Paid (net) | 46,182.5 | 47,195.1 | |
| + Change in Actuarial Liability | 13,571.4 | 4,027.4 | |
| + Bonus Allocated to Policyholders | 714.6 | 676.6 | |
| + Interim Bonus Paid | 711.4 | 986.7 | |
| + GST on Linked Charges | 692.3 | 335.8 | |
| Surplus in the Revenue Account | 1,089.7 | 2,462.1 | |
| Net Surplus / (Deficit) | 1,089.7 | 2,462.1 | |
| + Funds for Future Appropriation | -3.4 | 656.9 | |
| + Policyholders' Liabilities to Shareholders' Fund | 24.7 | 21.8 | |
| + Payments — Premiums, Claims, Annuities & Benefits | -53,296.8 | 48,762.4 | |
| + Receipts — Premiums, Claims, Annuities & Benefits | 0.0 | 54,319.7 | |
| Insurance — Shareholders' Account | |||
| + Income under Shareholders' Account | 730.4 | 1,314.7 | |
| + Shareholders' Account Income | 1,823.4 | 3,119.9 | |
| + Shareholders' Account Expenses | 491.8 | 1,308.1 | |
| + Shareholders' Provision — Diminution in Investments | 0.0 | 76.4 | |
| + Transfer from Policyholders' Account | 1,093.1 | 1,805.2 | |
| + Transfer of Funds to Policyholders' Account | 317.8 | 989.7 | |
| + Transferred to Shareholders' Account | 1,093.1 | 1,805.2 | |
| Shareholders' Fund — with Unrealised Gains | 0.0 | 0.1 | |
| Shareholders' Fund — without Unrealised Gains | 0.1 | 0.1 | |
| Insurance — Fund NPAs | |||
| + Linked Non-participating — with Unrealised Gains | 0.0 | -0.0 | |
| + Linked Non-participating — without Unrealised Gains | 0.0 | 0.0 | |
| + Non-linked Participating — with Unrealised Gains | 0.0 | 0.0 | |
| + Non-linked Participating — without Unrealised Gains | 0.0 | 0.0 | |
| + Non-linked Non-participating — with Unrealised Gains | 0.0 | 0.0 | |
| + Non-linked Non-participating — without Unrealised Gains | 0.0 | 0.0 | |
| Insurance — IRDAI Ratios (as filed, not percentages) | |||
| Solvency Ratio | 2.12 | 2.27 | |
| Conservation Ratio | 0.81 | 0.81 | |
| Expenses of Management Ratio | 0.18 | 0.18 | |
| Persistency — 13th Month | 0.89 | 0.84 | |
| Persistency — 25th Month | 0.83 | 0.81 | |
| Persistency — 37th Month | 0.75 | 0.76 | |
| Persistency — 49th Month | 0.70 | 0.72 | |
| Persistency — 61st Month | 0.64 | 0.62 | |
| Direct-method Operating Receipts — filed in the P&L block | |||
| + Receipts — Sales of Goods & Services | 50,154.1 | 0.0 | |
| + Receipts — Royalties, Fees & Commissions | 383.5 | 0.0 | |
| + Other Operating Cash Receipts | 0.0 | 495.1 | |
| + Other Operating Cash Payments | -4,799.0 | 9,864.6 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||
| Other Operating Expenses | 1,567.1 | 2,298.4 | |