Life Insurance

Why is Life Insurance Corporation of India falling/rising?

As of 06-Aug, the stock price of Life Insurance Corporation of India is currently at 387.55, reflecting a decline of 1.01%. Despite the company's strong financial position, the stock has underperformed significantly, with a year-to-date return of -13.17% amid negative market sentiment.

As of 06-Aug, the stock price of Life Insurance Corporation of India is falling, currently at 387.55, reflecting a decrease of 3.95 (-1.01%). This decline is evident in the stock's performance over various periods, where it has underperformed compared to the benchmark Sensex. Over the past week, the stock has dropped by 8.32%, while the Sensex has increased by 1.32%. Similarly, in the last month, the stock has fallen by 9.68%, contrasting with a 0.86% rise in the Sensex.<BR><BR>Today's performance indicates that the stock has underperformed its sector by 0.76%. Additionally, it is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which suggests a bearish trend. Despite a significant increase in delivery volume by 529.69% against the 5-day average, the overall sentiment remains negative.<BR><BR>While the company has a strong financial position, being net-debt free and having a high return on equity (ROE) of 32.5, these positive factors have not translated into stock price appreciation recently. The stock has generated a return of -13.17% over the past year, despite an 18.9% increase in profits, indicating that market sentiment may be weighing heavily on the stock's performance.

Which are the latest news on Life Insurance?

Should I buy, sell or hold Life Insurance Corporation of India?

What does Life Insurance do?

Life insurance provides financial protection to beneficiaries upon the policyholder's death, ensuring financial security. Life Insurance Corporation of India, established in 1956, is a large-cap company with recent net sales of ₹276,744 Cr and a net profit of ₹23,467 Cr as of March 2026.

Overview:<BR>Life Insurance Corporation of India operates in the insurance industry as a large-cap company, providing life insurance products.<BR><BR>History:<BR>The company was established on September 1, 1956, under the Life Insurance Corporation Act, 1956. It obtained its Certificate of Registration on September 20, 1956, to undertake life insurance business. The latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 276,744 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 23,467 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 509,985 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 9.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -0.41 <BR>Return on Equity: 32.53% <BR>Price to Book: 2.89 <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: Not available. <BR>Email: Not available. <BR>Website: Not available.

How big is Life Insurance?

As of 10th June, Life Insurance Corporation of India has a market capitalization of 509,985.00 Cr, with recent net sales of 978,893.78 Cr and a net profit of 57,453.15 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Life Insurance Corporation of India has a market capitalization of 509,985.00 Cr and is classified as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 978,893.78 Cr, while the sum of Net Profit for the same period is 57,453.15 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025. Shareholder's Funds are valued at 1,27,226.39 Cr, and Total Assets amount to 56,60,568.19 Cr.

Who are in the management team of Life Insurance?

The management team of Life Insurance includes Siddhartha Mohanty (Chairman & Wholetime Director), Sat Pal Bhanoo, MINI IPE, Jagannath Mukkavilli, and Tablesh Pandey (all Managing Directors), along with several Independent Non Executive Directors and a Company Secretary. They oversee the company's operations and strategic direction.

The management team of Life Insurance includes the following members:<BR><BR>1. Siddhartha Mohanty - Chairman & Wholetime Director<BR>2. Ranjan Sharma - Non Executive Director<BR>3. Vinod Kumar Verma - Independent Non Executive Director<BR>4. Anil Kumar - Independent Non Executive Director<BR>5. Anjuly Chib Duggal - Independent Non Executive Director<BR>6. G. Mahalingam - Independent Non Executive Director<BR>7. Raj Kamal - Independent Non Executive Director<BR>8. V S Parthasarathy - Independent Non Executive Director<BR>9. M P Vijay Kumar - Independent Non Executive Director<BR>10. Sanjeev Nautiyal - Independent Non Executive Director<BR>11. Maruthi Prasad Tangirala - Nominee - Government Of India<BR>12. Sat Pal Bhanoo - Managing Director<BR>13. MINI IPE - Managing Director<BR>14. Jagannath Mukkavilli - Managing Director<BR>15. Tablesh Pandey - Managing Director<BR>16. Pawan Agrawal - Company Secretary & Compliance Officer<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

Who are the peers of the Life Insurance?

Peers of Life Insurance include SBI Life, HDFC Life, ICICI Lombard, ICICI Prudential Life, Max Financial, and Niva Bupa Health, among others. Max Financial has the highest 1-year return at 2.82%, while HDFC Life has the lowest at -28.55%, with Life Insurance's return at -18.32%.

Peers: The peers of Life Insurance are SBI Life Insuran, HDFC Life Insur., ICICI Lombard, ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, Go Digit General, New India Assura, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard and Go Digit General, while Average management risk is found at Life Insurance, SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, General Insuranc, Max Financial, Star Health Insu, and Niva Bupa Health, and the rest. Growth is Good at Go Digit General and Niva Bupa Health, Average at SBI Life Insuran, HDFC Life Insur., and General Insuranc, and Below Average at Life Insurance, ICICI Pru Life, Max Financial, Star Health Insu, and New India Assura. All peers have an Excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Max Financial at 2.82%, while the peer with the lowest is HDFC Life Insur. at -28.55%. Life Insurance's own 1-year return is -18.32%, which is better than HDFC Life Insur. but worse than Max Financial. Additionally, the six-month return is negative for HDFC Life Insur., ICICI Pru Life, Max Financial, Go Digit General, New India Assura, and Life Insurance.

Are Life Insurance Corporation of India latest results good or bad?

Life Insurance Corporation of India's latest results show strong net profit growth of 81.49% quarter-on-quarter, but concerns arise from a significant drop in operating margins and reliance on a one-time negative tax benefit, suggesting caution for investors regarding future sustainability.

Life Insurance Corporation of India's latest results present a mixed picture. On one hand, the company reported a significant increase in net profit, which rose by 81.49% quarter-on-quarter and 23.26% year-on-year, reaching ₹23,467 crores. Additionally, premium income grew robustly by 17.29% quarter-on-quarter and 13.82% year-on-year, marking the highest quarterly revenue on record at ₹2,76,744 crores.<BR><BR>However, there are notable concerns regarding operational efficiency. The operating margin, excluding other income, contracted sharply to 6.79%, down from 10.96% in the previous quarter and 14.56% a year earlier. This decline indicates rising operational costs, which could be a sign of structural challenges within the company.<BR><BR>Moreover, the impressive profit figures were significantly bolstered by an unusual negative tax rate of -63.10%, raising questions about the sustainability of these profit levels moving forward. Without this one-time tax benefit, the underlying profitability would have been considerably lower.<BR><BR>In summary, while LIC's top-line growth is commendable, the contraction in margins and reliance on extraordinary tax benefits suggest that investors should approach the results with caution, weighing the potential for future growth against the operational challenges the company faces.

When is the next results date for Life Insurance Corporation of India?

The next results date for Life Insurance Corporation of India is 21 May 2026.

The next results date for Life Insurance Corporation of India is scheduled for 21 May 2026.

Is Life Insurance technically bullish or bearish?

As of November 28, 2025, the trend is mildly bullish due to daily moving averages, but mixed signals from the MACD and bearish Bollinger Bands suggest caution.

As of 28 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by the daily moving averages indicating mild bullishness and the Dow Theory supporting a mildly bullish outlook on both weekly and monthly time frames. However, the weekly MACD remains bullish while the monthly MACD is mildly bearish, suggesting mixed signals. The Bollinger Bands on a monthly basis are bearish, which adds a layer of caution. Overall, the strength of the bullish sentiment is tempered by the mixed indicators, particularly in the longer time frames.

How has been the historical performance of Life Insurance?

Life Insurance has shown consistent growth in net sales and profits over the past five years, with net sales increasing from 6,90,913.83 Cr in Mar'21 to 8,89,970.02 Cr in Mar'25, and profit after tax rising from 2,974.14 Cr to 48,320.33 Cr. Despite some volatility in cash flow, the overall trend indicates robust revenue and profitability growth.

Answer:<BR>The historical performance of Life Insurance shows a consistent growth trend in net sales and profits over the past five years.<BR><BR>Breakdown:<BR>Life Insurance has demonstrated significant growth in net sales, increasing from 6,90,913.83 Cr in Mar'21 to 8,89,970.02 Cr in Mar'25. The total operating income followed a similar trajectory, reaching 8,89,970.02 Cr in Mar'25, up from 6,90,913.83 Cr in Mar'21. Operating profit (PBDIT) also saw a substantial rise, climbing from 13,022.03 Cr in Mar'21 to 56,321.00 Cr in Mar'25, reflecting an improved operating profit margin that increased from 0.06% to 10.77% during the same period. Profit after tax surged from 2,974.14 Cr in Mar'21 to 48,320.33 Cr in Mar'25, with the PAT margin improving from 0.73% to 9.87%. The company's total assets grew from 34,99,834.08 Cr in Mar'21 to 56,60,568.19 Cr in Mar'25, while total liabilities increased from 38,29,524.21 Cr to 56,60,568.19 Cr. Cash flow from operating activities showed volatility, with a negative cash flow of -9,144.00 Cr in Mar'25, contrasting with a positive inflow of 54,518.00 Cr in Mar'23. Overall, Life Insurance has shown a robust upward trend in revenue and profitability, despite fluctuations in cash flow.

Is Life Insurance overvalued or undervalued?

As of August 7, 2025, Life Insurance is considered undervalued with a PE ratio of 11.59 and strong earnings potential, making it a compelling investment opportunity despite a recent underperformance compared to the Sensex.

As of 7 August 2025, the valuation grade for Life Insurance has moved from fair to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued, with a PE ratio of 11.59, an EV to EBIT of 9.04, and a PEG ratio of 0.65, all of which suggest strong earnings potential relative to its price. <BR><BR>In comparison to its peers, Life Insurance stands out with a much lower PE ratio than Bajaj Finance at 31.34 and Bajaj Finserv at 32.24, both classified as very expensive. Additionally, SBI Life Insurance, also rated very attractive, has a considerably higher PE ratio of 74.93, further underscoring Life Insurance's undervaluation. While the stock has underperformed the Sensex over the past year with a return of -21.22% compared to the Sensex's 1.45%, its strong ratios and favorable peer comparison suggest that it presents a compelling investment opportunity at its current price of 885.45.

Who are the top shareholders of the Life Insurance?

The top shareholder of Life Insurance is the President of India, holding 96.5% of the shares, with individual investors at 1.79%, mutual funds at 1.13%, and foreign institutional investors at 0.1%. There are no significant public shareholders.

The top shareholders of Life Insurance are primarily the promoters, with the President of India holding the highest stake at 96.5%. There are no pledged promoter holdings, and individual investors collectively hold 1.79% of the shares. Additionally, mutual funds have a presence with 25 schemes holding a total of 1.13%, while foreign institutional investors (FIIs) hold 0.1% across 79 entities. There are no significant public shareholders listed.

Has Life Insurance declared dividend?

Life Insurance Corporation of India has declared a 60% dividend, amounting to 6 per share, with an ex-date of July 19, 2024. Despite the dividend declaration, the overall dividend yield is 0%, and total returns have varied, showing gains over 2 and 3 years but negative returns in the last 6 months and year.

Life Insurance Corporation of India has declared a 60% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 60%<BR>- Amount per share: 6<BR>- Ex-date: Jul-19-2024<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -2.57%, the dividend return was 0%, resulting in a total return of -2.57%.<BR><BR>Over the past year, the price return was -2.29%, the dividend return was 0.60%, leading to a total return of -1.69%.<BR><BR>In the 2-year period, the price return was 60.28%, the dividend return was 2.10%, which resulted in a total return of 62.38%.<BR><BR>For the 3-year period, the price return was 23.23%, the dividend return was 2.17%, resulting in a total return of 25.4%.<BR><BR>In the 4-year period, both the price return and dividend return were 0%, leading to a total return of 0.0%.<BR><BR>Over the last 5 years, the price return was 0% and the dividend return was also 0%, resulting in a total return of 0.0%.<BR><BR>Overall, while Life Insurance Corporation of India has declared a dividend, the dividend yield remains at 0%. The total returns show a mixed performance, with significant gains over the 2 and 3-year periods, but negative returns in the shorter time frames.