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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ICICI Life Insurance
ICICI Life Insurance (ICICIPRULI) investor relations material
ICICI Life Insurance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary13 Oct, 2026
Executive summary
H1 FY2027 APE rose 15.1% YoY to ₹49.35bn; VNB increased 22.3% to ₹12.83bn, with a 26.0% margin.
Total premium grew 15.3% to ₹245.05bn and PAT increased 26.5% to ₹7.60bn; embedded value reached ₹566.69bn, up 12.2% YoY.
Strategy centered on sustainable VNB growth, balancing growth, profitability, customer focus, risk and prudence.
Financial highlights
H1 FY2027 APE was ₹49.35bn, up 15.1% YoY; three-year CAGR was 11.9%.
Total premium was ₹245.05bn, up 15.3%; new business premium rose 25% to ₹118.21bn, with policy count up 10.6%.
VNB was ₹12.83bn, up 22.3%; margin was 26.0%, versus 24.7% in FY26.
PAT was ₹7.60bn, up 26.5%; PBT reached ₹8.67bn versus ₹6.92bn, and Q2 PAT was ₹3.74bn versus ₹2.99bn YoY.
Embedded value grew 12.2% to ₹566.69bn; value of in-force business rose 12.0% to ₹423.89bn.
Outlook and guidance
No numerical growth guidance; priorities are sustainable VNB and top-line growth, protection and annuities, and savings offerings aligned with customer needs and market conditions.
Retail protection growth is expected to moderate in H2 from 40%-50% growth over the prior four quarters, with growth pursued from the higher base.
Distribution priorities include expanding partner reach, growing agency and direct channels, deepening micro-market penetration and strengthening digital processes; no numerical agency growth target was given.
If rates remain high for longer, non-par and annuities could become a larger business mix; product choices will respond to market conditions and customer needs.
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Latest events from ICICI Life Insurance
- Renewal growth and tighter costs narrowed the loss as market turmoil curbed new sales.ICICIPRULI
Q4 08/09 - First-ever profit, expanding renewals and AUM, with costs and solvency sharply improved.ICICIPRULIQ4 09/10
- Profit more than tripled as premium grew, but higher surrenders and lower APE challenged growth.ICICIPRULIQ4 10/11
- VNB and embedded value grew as protection expanded, while PAT declined on higher new-business strain.ICICIPRULIQ4 18/19
- Premiums and VNB surged; protection-led growth weighed on standalone profit.ICICIPRULIQ4 17/18
- VNB rose 20.9% as COVID-19 tested markets, operations and protection demand.ICICIPRULIQ4 19/20
- Strong premium and new-business growth came with a wider Rs 13.95bn shareholder loss.ICICIPRULIQ4 07/08
- Premiums and new-business value surged, but expansion and new-business strain drove a Rs. 6.489bn loss.ICICIPRULIQ4 06/07
- VNB doubled from FY2019 as growth and margins strengthened, with costs rising.ICICIPRULIQ4 22/23
- Profit surged despite contracting premiums; solvency reached 371%.ICICIPRULIQ4 11/12
Next ICICI Life Insurance earnings date
Q3 26/2712 Jan, 2027
ICICI Life Insurance
Next ICICI Life Insurance earnings date
Q3 26/2712 Jan, 2027
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Frequently asked questions
ICICI Prudential Life Insurance Company Ltd is an Indian insurance company that provides a range of life insurance, health insurance, and investment-linked products. It operates through a combination of agency channels, bancassurance partnerships, and digital platforms. The company serves individuals and corporate clients with long-term financial planning and protection solutions. ICICI Prudential Life Insurance Company Ltd is headquartered in Mumbai, India, and its shares are listed on the NSE.