In ₹ Crore except Per Share 12 Months Ending | FY25 31/03/2025 | FY26 31/03/2026 | Last 12M 30/06/2026 | |
|---|---|---|---|---|
| Revenue Detail — as filed | ||||
| + Operating Income | 41,238.2 | 46,688.9 | 46,908.5 | |
| + Income from Investments (net) | 5,700.8 | 8,016.8 | 7,913.1 | |
| Expense Detail — as filed | ||||
| + Employee Remuneration & Welfare | 2,632.4 | 4,487.2 | 4,617.2 | |
| + Commission (net) | 3,641.5 | 3,865.4 | 3,885.8 | |
| + Commission & Brokerage (net) | 3,641.5 | 3,865.4 | 3,885.8 | |
| + Provision — Diminution in Investments | 73.2 | 63.0 | 68.9 | |
| + Provision — Doubtful Debts & Write-offs | -83.0 | 4.2 | 2.7 | |
| + Non-operating Expense | 967.8 | 1,887.1 | 1,345.4 | |
| + Non-operating Provision — Diminution in Investments | 30.0 | 24.1 | 26.3 | |
| + Non-operating Provision — Doubtful Debts | 716.6 | 1.6 | 1.0 | |
| Profit Build-up — Alternate / Pre-Ind-AS Tags | ||||
| Profit before Extraordinary Items | 1,022.5 | 1,232.8 | 663.0 | |
| Profit / (Loss) before Tax — alt tag | 1,022.5 | 1,232.8 | 663.0 | |
| + Provision for Tax | 50.3 | -120.7 | -54.2 | |
| Profit / (Loss) after Tax | 972.2 | 1,353.6 | 717.2 | |
| Profit Carried to Balance Sheet | 1,036.6 | 1,412.3 | 769.3 | |
| Per Share — as-filed variants | ||||
| Basic & Diluted EPS before Extraordinary (not annualised) | 6.29 | 8.57 | 4.68 | |
| Basic & Diluted EPS after Extraordinary (not annualised) | 6.29 | 8.57 | 4.68 | |
| Appropriations & Transfers | ||||
| + Transfer to Profit & Loss Account | -435.1 | -865.1 | -1,557.0 | |
| Reserves & Surplus excl. Revaluation Reserve | — | — | 92,387.3 | |
| + Final Dividend | 0.0 | 0.0 | 0.0 | |
| Insurance — Revenue Account (Policyholders') | ||||
| Premium Earned | 35,537.4 | 38,672.1 | 38,995.4 | |
| + Gross Premiums Written | 43,977.5 | 47,580.1 | 47,969.7 | |
| + Net Premium Written | 36,509.3 | 39,551.0 | 39,946.6 | |
| + Operating Expenses — Insurance Business | 3,749.9 | 5,628.6 | 5,864.7 | |
| + Non-operating Expenses — Non-insurance | 221.2 | 1,861.4 | 1,318.1 | |
| + Claims Paid | 32,188.6 | 34,645.9 | 35,729.5 | |
| + Incurred Claims | 34,281.9 | 38,060.0 | 38,714.9 | |
| + Change in Outstanding Claims | 2,093.3 | 3,414.1 | 2,985.4 | |
| Insurance — Shareholders' Account | ||||
| + Income — Shareholders' Account | 1,990.3 | 3,119.9 | 2,008.4 | |
| + Shareholders' Investment Income | 2,332.8 | 3,092.8 | 3,053.9 | |
| + Transfer from Policyholders' Fund | -435.1 | -865.1 | -1,557.0 | |
| With Unrealised Gains | 0.1 | 0.1 | 0.1 | |
| Without Unrealised Gains | 0.1 | 0.2 | 0.2 | |
| Insurance — Fund NPAs | ||||
| + Gross NPAs — Policyholders' Fund | 150.6 | 150.3 | 597.7 | |
| Insurance — IRDAI Ratios (as filed, not percentages) | ||||
| Solvency Ratio | 0.02 | 0.02 | 0.07 | |
| Combined Ratio | 1.17 | 1.22 | 4.97 | |
| Incurred Claim Ratio | 0.96 | 0.98 | 3.98 | |
| Net Retention Ratio | 0.83 | 0.83 | 3.33 | |
| Expenses of Management Ratio | 0.18 | 0.22 | 0.84 | |
| Direct-method Operating Receipts — filed in the P&L block | ||||
| + Receipts — Sales of Goods & Services | 51,609.1 | 54,781.3 | — | |
| + Other Operating Cash Receipts | 36.8 | 26.9 | — | |
| + Other Operating Cash Payments | 84.2 | 63.2 | — | |
| Regulatory Disclosures — filed alongside, not part of the P&L | ||||
| Investor Complaints — Received | 0.00 | 4.00 | 4.00 | |
| Investor Complaints — Disposed | 0.00 | 4.00 | 4.00 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | ||||
| Operating Expenses | 41,673.3 | 47,554.0 | 48,465.5 | |
| Other Operating Expenses | 1,117.5 | 1,141.4 | 1,247.5 | |