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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 Lombard General Insurance Company
ICICI Lombard General Insurance Company (ICICIGI) investor relations material
ICICI Lombard General Insurance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary14 Oct, 2026
Executive summary
H1 FY27 GDPI grew 6.7% on an n basis to ₹160.23bn and 5.4% on a 1/n basis to ₹151.10bn; H1 PAT fell 5.8% to ₹14.54bn on an n basis and to ₹13.50bn on a 1/n basis.
Q2 PAT rose 27.5% YoY to ₹10.31bn on an n basis; audited results reported Q2 PAT of ₹9.464bn and H1 PAT of ₹13.496bn.
Health, Travel & PA and Motor grew ahead of or in line with industry measures; Commercial lines were pressured by Fire declines.
Strategic priorities include profitable growth, diversified products and distribution, underwriting and capital discipline, customer service, and technology.
Financial highlights
On an n basis, H1 PBT declined 5.8% to ₹19.21bn; audited results reported H1 PBT of ₹27.61bn on an n basis and ₹19.21bn on a 1/n basis.
Q2 investment income was ₹15.54bn versus ₹12.49bn YoY; H1 investment income was ₹27.28bn versus ₹25.38bn, with H1 capital gains of ₹6.37bn versus ₹6.16bn.
H1 investment book reached ₹643.32bn; realised return was 8.47% versus 8.42% in FY26, and unrealised investment gain was ₹24.02bn at September 30, 2026.
H1 cash flow from operating activities was negative ₹38,366 lakh versus positive ₹45,946 lakh in H1 FY26.
Outlook and guidance
Management expects earned-premium momentum through Q3 and Q4, supported by Commercial lines, Motor and Retail Health; crop underwriting caution weighed on headline premium growth.
H2 Commercial outlook was described as very optimistic, supported by improving trajectory and more disciplined industry underwriting; exposure-driven losses may remain volatile.
Motor momentum was positive, with a potential Q3 base effect; management expects Motor loss ratios to remain within its 65%–67% overall range.
Digital sourcing has a roadmap to increase from 6% to 15% of business.
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Latest events from ICICI Lombard General Insurance Company
- GWP rose 20.2%, but lower PAT and catastrophe-related claims weighed on FY2016 results.ICICIGI
Q4 15/16 - Profit and premium growth improved underwriting, despite elevated crop/weather losses.ICICIGIQ4 17/18
- First-year insurance operations generated a Rs. 84.82 million after-tax loss as retail expansion began.ICICIGIQ4 01/02
- FY10 profit rebounded as underwriting turned positive despite persistent soft pricing.ICICIGIQ4 09/10
- PBT rose 32.8% as the combined ratio improved to 104.5% amid slower market growth.ICICIGIQ4 14/15
- Premium crossed ₹100bn as profit grew 38.3% and solvency strengthened to 2.10x.ICICIGIQ4 16/17
- PAT rose 13.8% as crop restraint offset growth in core insurance lines.ICICIGIQ4 19/20
- Premium growth, higher profits and a sub-100% combined ratio marked FY2019.ICICIGIQ4 18/19
- PAT rose 23.4%, underwriting improved, and Bharti AXA integration awaited approval.ICICIGIQ4 20/21
- First full-year profit, with retail growth plans offset by underwriting losses and a ₹182.5 million accounting impact.ICICIGIQ4 02/03
Next ICICI Lombard General Insurance Company earnings date
Q3 26/2712 Jan, 2027
ICICI Lombard General Insurance Company
Next ICICI Lombard General Insurance Company earnings date
Q3 26/2712 Jan, 2027
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Frequently asked questions
ICICI Lombard General Insurance Company Ltd provides a range of general insurance products, including motor, health, travel, and home insurance. The company serves individuals and businesses through digital platforms and physical distribution channels. It is headquartered in Mumbai, India, and its shares are listed on the NSE.