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Investor Relations14 Oct 2025
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ICICI Prudential Life Insurance Company (ICICIPRULI) investor relations material
ICICI Prudential Life Insurance Company Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary14 Oct, 2025
Executive summary
Profit after tax rose 26% year-over-year to ₹6.01 billion for H1-FY2026, driven by higher investment income from shareholders' funds.
Value of New Business (VNB) was ₹10.49 billion with a margin of 24.5%; Embedded Value increased 9.7% to ₹505.01 billion.
Total premium grew 9.2% year-over-year to ₹212.51 billion for H1-FY2026; assets under management reached ₹3.21 trillion, up 0.3%.
Leadership changes include new IRDAI Chairman and board appointments, supporting regulatory stability and strategic direction.
Maintained a high claim settlement ratio of 99.3% with 1.1 days average turnaround and ranked no. 1 in NPS for the third consecutive year.
Financial highlights
13-month persistency ratio at 85.3% as of September 30, 2025; 49th month persistency at 70.5%.
Cost-to-premium ratio improved by 280 bps to 19.2%; savings line cost-to-premium at 12.7%.
Retail sum assured grew 17.2% year-over-year to ₹1,716.14 billion; new business sum assured grew 19.3% to ₹6.77 lakh crore.
Solvency ratio at 213.2%, well above regulatory threshold.
No non-performing assets since inception; 96.2% of fixed income investments in sovereign or AAA-rated instruments.
Outlook and guidance
Management expects GST reforms and exemption on life insurance premiums to spur volume growth, with early signs of increased customer traction.
H2 FY26 is expected to benefit from a benign base and GST-driven demand, supporting growth and VNB.
Focus remains on growing absolute VNB, leveraging product mix flexibility, cost optimization, and digital transformation.
Industry opportunities highlighted in long-term savings, protection, retirement, and health segments.
Persistency and customer traction are expected to remain strong, with positive trends post-GST reform.
Early impact of GST exemption on retail protection?
Explain APE vs VNB trend divergence.
Reason for unit-linked investment income drop?
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Next ICICI Prudential Life Insurance Company earnings date
Q3 25/2620 Jan, 2026
Next ICICI Prudential Life Insurance Company earnings date
Q3 25/2620 Jan, 2026
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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.
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