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Life Insurance Corporation of India (LICI) investor relations material
Life Insurance Corporation of India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary6 Nov, 2025
Executive summary
Maintained leadership in India's life insurance market, with a 59.41% share by first-year premium income in H1 FY26 and recognition as the world's 3rd strongest insurance brand.
Total premium income for H1 FY26 grew 5.14% year-over-year to ₹2,45,680 crore, and profit after tax rose 16.36% to ₹21,040 crore.
Non-PAR share of individual APE increased to 36.31% from 26.31% year-over-year, reflecting a strategic product mix shift.
Value of new business (VNB) grew 12.3% year-over-year to ₹5,111 crore, with VNB margin improving by 140 bps to 17.6%.
Continued product innovation with 57 offerings as of September 2025, including new non-PAR products and riders.
Financial highlights
Group business premium income increased 6.73% year-over-year to ₹94,965 crore.
Individual new business premium declined 3.54% year-over-year, while renewal premium income rose to ₹1,22,224 crore.
Asset under management (AUM) grew 3.31% year-over-year to ₹57,22,896 crore as of September 2025.
Solvency ratio improved to 2.13 from 1.98 year-over-year.
Expense ratio reduced to 11.28% from 12.74% year-over-year.
Outlook and guidance
Management expects continued growth in non-PAR business and is confident in maintaining or improving VNB margins, supported by product mix and operational efficiency.
GST exemption on life insurance is expected to boost industry penetration and business growth in coming quarters.
Focus on digital transformation, maximizing investment yield, and consolidating gains in non-par products and alternate channels.
Strategy to regain/enhance market share in select categories and geographies, and align HR with emerging market demands.
Interim results are not necessarily indicative of full-year performance due to industry seasonality.
How will non-par mix sustain VNB margin growth?
What mechanisms offset GST ITC impact on VNB?
Future contribution of alternate channels vs agency?
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Next Life Insurance Corporation of India earnings date
Q3 25/266 Feb, 2026
Next Life Insurance Corporation of India earnings date
Q3 25/266 Feb, 2026
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