In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|
| Total Income | 8,92,145.6 | 9,81,778.7 | 9,96,996.3 | |
| Expenses | ||||
| Total Expenses | 8,39,275.2 | 9,20,739.9 | 9,34,217.8 | |
| Profit | ||||
| + Current Tax | 7,916.4 | -4,048.4 | -4,038.6 | |
| Revenue Detail — as filed | ||||
| + Investment Income | 6,025.2 | 8,594.7 | 9,350.9 | |
| + Income from Investments (net) | 3,94,169.4 | 4,31,573.6 | 4,39,128.6 | |
| Expense Detail — as filed | ||||
| + Administration Expenses | 6,012.8 | 8,656.9 | 9,204.8 | |
| + Advertisement & Publicity | 554.5 | 685.5 | 704.5 | |
| + Employee Remuneration & Welfare | 26,946.7 | 27,938.3 | 28,300.8 | |
| + Commission | 25,420.4 | 24,563.9 | 24,648.2 | |
| + Commission (net) | 25,419.4 | 24,555.6 | 24,641.8 | |
| + Provision — Diminution in Investments | -637.5 | -783.1 | -422.6 | |
| + Provision — Doubtful Debts & Write-offs | -1,544.7 | -811.4 | -1,350.9 | |
| + Provision — Doubtful Debts incl. Write-off | 1.3 | -0.9 | -0.5 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | ||||
| Profit / (Loss) before Tax | 48,350.6 | 57,523.9 | 60,224.5 | |
| + Current Taxes | 30.3 | 70.7 | 144.2 | |
| + Provision for Tax | 7,916.4 | -4,048.4 | -4,038.6 | |
| + Provisions for Taxes | 30.3 | 70.7 | 144.2 | |
| PAT before Extraordinary Items | 48,320.3 | 57,453.2 | 60,080.4 | |
| PAT after Extraordinary Items | 48,320.3 | 57,453.2 | 60,080.4 | |
| Profit Carried to Balance Sheet | 1,20,216.5 | 1,70,003.1 | 6,27,433.9 | |
| Per Share — as-filed variants | ||||
| Basic & Diluted EPS before Extraordinary (not annualised) | 76.40 | 90.84 | 84.25 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 76.40 | 90.84 | 84.25 | |
| Appropriations & Transfers | ||||
| Reserves & Surplus excl. Revaluation Reserve | 1,21,193.9 | 1,71,230.9 | 6,32,134.4 | |
| Insurance — Revenue Account (Policyholders') | ||||
| + Gross Premium Income | 4,90,489.3 | 5,38,378.5 | 5,46,420.8 | |
| + Net Premium Income | 4,89,775.4 | 5,37,603.8 | 5,45,608.5 | |
| + First-year Premium | 37,199.0 | 42,107.9 | 43,799.4 | |
| + Renewal Premium | 2,63,289.4 | 2,77,350.4 | 2,79,300.3 | |
| + Single Premium | 1,90,000.8 | 2,18,920.2 | 2,23,321.1 | |
| + Commission — First-year Premium | 10,033.6 | 9,368.6 | 9,534.7 | |
| + Commission — Renewal Premium | 14,622.8 | 14,240.6 | 14,149.1 | |
| + Commission — Single Premium | 764.1 | 954.7 | 964.4 | |
| + Expenses of Management | 60,993.5 | 64,208.7 | 65,255.0 | |
| + Operating Expenses — Insurance Business | 35,574.1 | 39,653.2 | 40,613.2 | |
| + Expenses — Non-insurance | 743.4 | 2,530.7 | 1,139.3 | |
| + Benefits Paid (net) | 4,20,583.8 | 4,98,514.9 | 5,22,875.4 | |
| + Change in Actuarial Liability | 3,51,740.4 | 3,63,510.5 | 3,51,794.4 | |
| + Bonus Allocated to Policyholders | 56,331.1 | 59,725.5 | 59,725.5 | |
| + Interim Bonus Paid | 3,075.8 | 8,356.7 | 8,409.9 | |
| + GST on Linked Charges | 223.3 | 148.8 | 105.1 | |
| Surplus in the Revenue Account | 52,870.4 | 61,038.8 | 62,778.5 | |
| Net Surplus / (Deficit) | 52,870.4 | 61,038.8 | 62,778.5 | |
| + Funds for Future Appropriation | 5,448.8 | 6,981.6 | 7,249.7 | |
| + Policyholders' Liabilities to Shareholders' Fund | 43.0 | 32.4 | 141.1 | |
| + Payments — Premiums, Claims, Annuities & Benefits | 4,25,463.7 | 4,97,050.3 | — | |
| + Receipts — Premiums, Claims, Annuities & Benefits | 4,91,546.5 | 5,38,496.8 | — | |
| Insurance — Shareholders' Account | ||||
| + Income under Shareholders' Account | 6,197.8 | 8,786.0 | 9,548.8 | |
| + Shareholders' Account Income | 53,619.4 | 62,843.2 | 65,077.6 | |
| + Shareholders' Account Expenses | 5,268.8 | 5,319.3 | 4,853.1 | |
| + Shareholders' Provision — Diminution in Investments | -15.8 | -23.3 | -19.3 | |
| + Transfer from Policyholders' Account | 47,421.7 | 54,057.1 | 55,528.8 | |
| + Transfer of Funds to Policyholders' Account | 4,539.9 | 2,812.8 | 3,733.6 | |
| + Transferred to Shareholders' Account | 47,421.7 | 54,057.1 | 55,528.8 | |
| Shareholders' Fund — with Unrealised Gains | 6.8 | 6.1 | 24.2 | |
| Shareholders' Fund — without Unrealised Gains | 6.9 | 6.6 | 26.2 | |
| Insurance — Fund NPAs | ||||
| + Gross NPAs — Shareholders' Fund | 56.5 | 0.0 | 0.0 | |
| + Gross NPAs — Linked Non-participating | 114.2 | 35.8 | 221.7 | |
| + Gross NPA % — Linked Non-participating | 0.30 | 0.08 | 0.51 | |
| + 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 | 8,328.7 | 7,169.4 | 29,982.1 | |
| + Net NPAs — Non-linked Participating | 5.5 | 4.3 | 17.4 | |
| + Gross NPA % — Non-linked Participating | 0.02 | 0.01 | 0.06 | |
| + 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 | 0.02 | 0.02 | 0.09 | |
| Conservation Ratio | 0.90 | 0.92 | 3.67 | |
| Expenses of Management Ratio | 0.12 | 0.12 | 0.48 | |
| Persistency — 13th Month | 0.75 | 0.75 | 2.76 | |
| Persistency — 25th Month | 0.71 | 0.69 | 2.56 | |
| Persistency — 37th Month | 0.66 | 0.67 | 2.47 | |
| Persistency — 49th Month | 0.62 | 0.63 | 2.35 | |
| Persistency — 61st Month | 0.63 | 0.59 | 2.25 | |
| Direct-method Operating Receipts — filed in the P&L block | ||||
| + Other Operating Cash Receipts | 841.9 | 880.5 | — | |
| + Other Operating Cash Payments | 76,465.0 | 58,751.1 | — | |
| Regulatory Disclosures — filed alongside, not part of the P&L | ||||
| Investor Complaints — During the Period | -23.00 | 2.00 | 11.00 | |
| Investor Complaints — Received | 1,671.00 | 922.00 | 1,123.00 | |
| Investor Complaints — Disposed | 1,694.00 | 920.00 | 1,112.00 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | ||||
| Other Operating Expenses | 2,060.1 | 2,372.4 | 2,403.1 | |