In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | |
|---|---|---|---|
| Other Income | 142.5 | 1.3 | |
| Revenue Detail — as filed | |||
| + Operating Income | 5,324.3 | 6,473.7 | |
| + Income from Investments (net) | 287.4 | 404.8 | |
| Expense Detail — as filed | |||
| + Employee Remuneration & Welfare | 663.4 | 675.2 | |
| + Commission (net) | 1,064.6 | 1,226.8 | |
| + Commission & Brokerage (net) | 1,064.6 | 1,226.8 | |
| + Non-operating Expense | 172.0 | 36.0 | |
| + Non-operating Provision — Doubtful Debts | 0.6 | 4.6 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | |||
| Profit before Extraordinary Items | 213.5 | 126.8 | |
| Profit / (Loss) before Tax — alt tag | 213.5 | 126.8 | |
| + Provision for Tax | 0.0 | -4.0 | |
| Profit / (Loss) after Tax | 213.5 | 130.8 | |
| Profit Carried to Balance Sheet | -718.5 | -587.7 | |
| Per Share — as-filed variants | |||
| Basic & Diluted EPS before Extraordinary (not annualised) | 1.22 | 0.71 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 1.22 | 0.71 | |
| Appropriations & Transfers | |||
| + Transfer to Profit & Loss Account | 180.0 | -60.2 | |
| Insurance — Revenue Account (Policyholders') | |||
| Premium Earned | 4,894.5 | 6,067.6 | |
| + Gross Premiums Written | 6,762.2 | 8,585.9 | |
| + Net Premium Written | 5,369.4 | 6,806.3 | |
| + Operating Expenses — Insurance Business | 1,083.1 | 1,174.6 | |
| + Non-operating Expenses — Non-insurance | 171.3 | 31.5 | |
| + Claims Paid | 2,884.7 | 3,809.1 | |
| + Incurred Claims | 2,996.5 | 4,132.6 | |
| + Change in Outstanding Claims | 111.8 | 323.5 | |
| + Payments — Premiums, Claims, Annuities & Benefits | 5,809.7 | 7,439.0 | |
| + Receipts — Premiums, Claims, Annuities & Benefits | 9,346.4 | 9,934.6 | |
| Insurance — Shareholders' Account | |||
| + Income — Shareholders' Account | 385.5 | 162.8 | |
| + Shareholders' Investment Income | 192.5 | 222.4 | |
| + Transfer from Policyholders' Fund | 180.0 | -60.2 | |
| With Unrealised Gains | 0.1 | 0.1 | |
| Without Unrealised Gains | 0.1 | 0.1 | |
| Insurance — Fund NPAs | |||
| + Gross NPAs — Policyholders' Fund | 54.3 | 50.0 | |
| Insurance — IRDAI Ratios (as filed, not percentages) | |||
| Solvency Ratio | 3.03 | 2.49 | |
| Combined Ratio | 1.01 | 1.03 | |
| Incurred Claim Ratio | 0.61 | 0.68 | |
| Net Retention Ratio | 0.79 | 0.79 | |
| Expenses of Management Ratio | 0.39 | 0.34 | |
| Direct-method Operating Receipts — filed in the P&L block | |||
| + Other Operating Cash Payments | 1,869.0 | 1,565.5 | |
| Regulatory Disclosures — filed alongside, not part of the P&L | |||
| Investor Complaints — During the Period | 1.00 | 0.00 | |
| Investor Complaints — Received | 283.00 | 0.00 | |
| Investor Complaints — Disposed | 282.00 | 0.00 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||
| Operating Expenses | 5,144.2 | 6,533.9 | |
| Other Operating Expenses | 419.7 | 499.3 | |