Life Insurance

What does Life Insurance do?

Life insurance provides financial protection to beneficiaries upon the policyholder's death. The Life Insurance Corporation of India, established in 1956, is a large-cap company with recent net sales of ₹243,134 Cr and a net profit of ₹19,039 Cr as of March 2025.

Overview:<BR>Life Insurance Corporation of India provides life insurance services and operates in the insurance industry as a large-cap company.<BR><BR>History:<BR>The company was incorporated 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 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 243,134 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 19,039 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 605,998 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 13.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: -0.55 <BR>Return on Equity: 37.98% <BR>Price to Book: 4.76 <BR><BR>Contact Details:<BR>No Company Details Available <BR>Registrar Address: Not available.

When is the next results date for Life Insurance?

No Upcoming Board Meetings

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.

Who are the peers of the Life Insurance?

Peers of Life Insurance include SBI Life, HDFC Life, ICICI Pru Life, ICICI Lombard, Max Financial, Go Digit General, New India Assurance, Star Health, and Niva Bupa Health. Max Financial leads in 1-year returns at 62.40%, while Life Insurance has a return of -10.43%, higher than New India Assurance's -22.35%.

Peers: The peers of Life Insurance are SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, ICICI Lombard, General Insuranc, Max Financial, Go Digit General, New India Assura, Star Health Insu, and Niva Bupa Health.<BR><BR>Quality Snapshot: Excellent management risk is observed at ICICI Lombard, 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 the rest. Below Average management risk is noted at New India Assura. Growth is Excellent at Go Digit General and Niva Bupa Health, while Average growth is seen at SBI Life Insuran, HDFC Life Insur., ICICI Pru Life, ICICI Lombard, General Insuranc, Max Financial, Star Health Insu, and the rest. Below Average growth is reported at New India Assura. All peers maintain an Excellent capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Max Financial at 62.40%, while New India Assura has the lowest at -22.35%. Life Insurance's own 1-year return is -10.43%, which is higher than New India Assura's but lower than all other peers. Additionally, the six-month return is negative for Life Insurance, ICICI Pru Life, General Insuranc, New India Assura, and Star Health Insu.

Who are in the management team of Life Insurance?

As of March 2023, the management team of Life Insurance includes Siddhartha Mohanty (Chairman & Wholetime Director), Sat Pal Bhanoo, MINI IPE, Jagannath Mukkavilli, and Tablesh Pandey (Managing Directors), along with several independent and non-executive directors. This diverse team oversees the governance and management of the company.

As of March 2023, the management team of Life Insurance includes the following individuals:<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 diverse team encompasses various roles, including executive and independent directors, contributing to the governance and management of the company.

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.

How big is Life Insurance?

As of 24th July, Life Insurance Corporation of India has a market capitalization of 583,165.00 Cr, with net sales of 889,970.02 Cr and a net profit of 48,320.33 Cr over the latest four quarters.

As of 24th July, <BR><BR>Market Cap: Life Insurance Corporation of India has a market capitalization of 583,165.00 Cr, classified as Large Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 889,970.02 Cr, while the sum of Net Profit for the same period is 48,320.33 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2024. Shareholder's Funds stand at 82,746.87 Cr, and Total Assets amount to 5,316,047.12 Cr.

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.

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 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.

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

Life Insurance Corporation of India's latest results show strong profit growth with a net profit of ₹12,930.44 crores, up 17.46% year-on-year. However, a 2.31% decline in premium income and a decrease in profit margins indicate potential challenges, suggesting a mixed outlook for investors.

Life Insurance Corporation of India's latest results present a mixed picture. On one hand, the company reported a consolidated net profit of ₹12,930.44 crores for Q3 FY26, which is a significant increase of 17.46% year-on-year and a notable 28.04% increase quarter-on-quarter. This indicates strong profit growth, which is a positive sign for investors.<BR><BR>However, the total premium income for the same quarter was ₹2,35,954 crores, reflecting a decline of 2.31% from the previous quarter. This sequential drop raises concerns about the sustainability of premium growth and suggests potential challenges in maintaining market share against more agile private sector competitors. Additionally, the profit after tax margin decreased to 8.93%, down 133 basis points year-on-year, indicating rising operational costs and competitive pressures.<BR><BR>Overall, while the profit growth is commendable, the decline in premium income and margin compression point to underlying challenges. Therefore, the results can be seen as good in terms of profit but concerning regarding revenue and market dynamics. Investors may want to approach with caution, considering the mixed signals from the latest financial performance.

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

Why is Life Insurance Corporation of India falling/rising?

As of 17-Mar, the stock price of Life Insurance Corporation of India is currently at 779.00, reflecting a recent upward trend despite underperforming its sector. The stock has shown resilience over the past year with a 4.70% return, supported by strong financial metrics and increased investor participation.

As of 17-Mar, the stock price of Life Insurance Corporation of India is rising, currently at 779.00, with a change of 2.05 (0.26%) upward. This increase follows a trend where the stock has gained for the last two days, resulting in a total return of 0.76% during this period. Additionally, there has been a rise in investor participation, with a delivery volume of 5.49 lacs on 16 March, which is an increase of 0.49% compared to the 5-day average delivery volume.<BR><BR>Despite the recent gains, the stock has underperformed its sector by 0.54% today and is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. Over the past week, the stock has declined by 5.27%, and over the past month, it has fallen by 10.94%. However, it has shown resilience over the past year with a return of 4.70%, while profits have increased by 23%, indicating a strong underlying performance.<BR><BR>The company maintains a low debt-to-equity ratio and has a very attractive valuation with a return on equity (ROE) of 36 and a price-to-book value of 3.5. This suggests that the stock may be appealing to investors despite its recent volatility. Overall, the combination of recent gains, increased investor participation, and strong financial metrics contribute to the current rise in the stock price.

Why is Life Insurance Corporation of India falling/rising?

As of 18-Mar, the stock price of Life Insurance Corporation of India is rising to 785.85, influenced by a recent three-day gain and strong valuation metrics. However, it has faced significant declines over the past month and year-to-date, coupled with reduced investor participation.

As of 18-Mar, the stock price of Life Insurance Corporation of India is rising, currently at 785.85, with a change of 8.3 (1.07%) upwards. This increase can be attributed to a few key factors. Firstly, the stock has been gaining for the last three days, showing a return of 1.79% during this period. Additionally, the company has a very attractive valuation with a return on equity (ROE) of 36 and a price to book value of 3.5, which indicates strong profitability relative to its equity.<BR><BR>Despite the recent positive movement, it is important to note that the stock has experienced declines over longer periods, such as a 10.54% drop over the past month and an 8.05% decline year-to-date. Furthermore, the stock is currently trading below its moving averages across various time frames, which may indicate underlying weakness. There has also been a significant decrease in investor participation, with delivery volume falling by 29.09% against the 5-day average.<BR><BR>Overall, while the stock is currently experiencing a rise, the broader context shows mixed performance, with significant declines over the past month and year-to-date, alongside reduced trading activity.

Why is Life Insurance Corporation of India falling/rising?

As of 19-Mar, the stock price of Life Insurance Corporation of India is currently Rs 765.75, reflecting a decline of 2.56%. The stock has underperformed the benchmark Sensex and is trading below all moving averages, indicating a bearish trend despite some positive indicators.

As of 19-Mar, the stock price of Life Insurance Corporation of India is falling, currently at Rs 765.75, which reflects a decrease of Rs 20.1 or 2.56%. This decline can be attributed to several factors. Over the past week, the stock has underperformed the benchmark Sensex, with a loss of 3.86% compared to the Sensex's decline of 2.40%. Additionally, the stock has experienced a significant drop of 11.44% over the past month, while the Sensex fell by 10.05% during the same period.<BR><BR>Today, the stock has also touched an intraday low of Rs 762.5, marking a decrease of 2.97%. It is currently trading below all its moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Furthermore, the finance/NBFC sector has seen a decline of 3.83%, which may be impacting the stock's performance.<BR><BR>Despite some positive indicators, such as a rise in delivery volume by 34.18% against the 5-day average and a strong return on equity (ROE) of 36, the overall sentiment appears negative. The stock's performance today has outperformed its sector by 1.38%, but the recent trend reversal after three consecutive days of gains suggests a lack of sustained momentum. Overall, these factors contribute to the stock's current downward trajectory.

Why is Life Insurance Corporation of India falling/rising?

As of 20-Mar, the stock price of Life Insurance Corporation of India is rising to 777.25, driven by positive market sentiment and increased investor participation despite a year-to-date decline of 9.06%. Strong fundamentals, including a low debt-to-equity ratio and high return on equity, support the stock's upward trend.

As of 20-Mar, the stock price of Life Insurance Corporation of India is rising, currently at 777.25, reflecting an increase of 11.5 (1.5%). This rise can be attributed to several factors. Notably, the stock has outperformed its sector by 2.07% today, indicating positive market sentiment. Additionally, there has been a significant increase in investor participation, with delivery volume rising by 17.96% against the 5-day average, suggesting heightened interest from investors.<BR><BR>Despite the stock's year-to-date performance showing a decline of 9.06%, the company's fundamentals remain strong. It has a low debt-to-equity ratio and a very attractive return on equity (ROE) of 36, alongside a favorable price-to-book value of 3.5. Furthermore, while the stock has generated a return of -0.28% over the past year, its profits have increased by 23%, which is reflected in a low PEG ratio of 0.4, indicating potential for growth.<BR><BR>However, it is important to note that the stock is currently trading below its moving averages across various time frames, which could indicate underlying weakness. Additionally, the company reported flat results in December, which may have contributed to some investor caution. Nonetheless, the combination of rising investor participation and solid company fundamentals appears to be driving the stock's current upward movement.

Why is Life Insurance Corporation of India falling/rising?

As of 23-Mar, the stock price of Life Insurance Corporation of India is at Rs. 739.35, reflecting a 4.88% decline. The stock has underperformed significantly, hitting a 52-week low and trading below key moving averages, indicating a bearish trend despite some positive financial metrics.

As of 23-Mar, the stock price of Life Insurance Corporation of India is falling, currently at Rs. 739.35, which reflects a decrease of Rs. 37.9 or 4.88%. This decline is evidenced by the stock's performance over various periods, including a 1-week drop of 4.84% and a 1-month decrease of 16.28%, both of which are worse than the benchmark Sensex's declines of 3.72% and 12.72%, respectively. <BR><BR>Today, the stock hit a new 52-week low of Rs. 737.5, indicating significant downward pressure. The stock has underperformed its sector by 1.08% today and reached an intraday low of Rs. 737.5, which is a 5.11% drop from its previous close. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, further indicating a bearish trend.<BR><BR>Despite some positive factors, such as a low Debt to Equity ratio and a strong return on equity (ROE) of 36%, the overall sentiment remains negative. The company reported flat results in December, which may have contributed to the lack of investor confidence. Furthermore, the finance/NBFC sector has also seen a decline of 3.9%, which could be impacting the stock's performance. <BR><BR>While there has been an increase in investor participation, with delivery volume rising by 8.83% against the 5-day average, the overall market conditions and the stock's recent performance suggest that it is currently in a downward trajectory.

Why is Life Insurance Corporation of India falling/rising?

As of 24-Mar, the stock price of Life Insurance Corporation of India is rising to 757.15, reflecting a 2.41% increase due to positive trading momentum and increased investor participation. Despite a monthly decline, the stock has gained 35.19% over three years, supported by strong fundamentals.

As of 24-Mar, the stock price of Life Insurance Corporation of India is rising, currently at 757.15, reflecting an increase of 17.8 or 2.41%. This upward movement can be attributed to several factors. Firstly, the stock opened with a gain of 2.66% today and reached an intraday high of Rs 763, indicating positive momentum in the trading session. Additionally, there has been a notable increase in investor participation, with delivery volume rising by 39.05% compared to the 5-day average, suggesting growing interest among investors.<BR><BR>Moreover, the finance/NBFC sector has gained by 2.38%, which may have contributed to the stock's performance aligning with sector trends. Despite the stock trading lower than its moving averages over various periods, the overall market sentiment appears to be favorable today. <BR><BR>On a broader scale, while the stock has experienced a decline of 14.09% over the past month, it has shown resilience with a 35.19% increase over the last three years. The company's strong fundamentals, including a low debt-to-equity ratio and a high return on equity (ROE) of 36, further enhance its attractiveness to investors. Overall, the combination of positive trading activity, sector performance, and solid company fundamentals is driving the stock's rise.

Why is Life Insurance Corporation of India falling/rising?

As of 25-Mar, the stock price of Life Insurance Corporation of India is rising to 780.60, reflecting a 3.01% increase due to recent gains, positive sector performance, and strong financial fundamentals. Despite a year-over-year underperformance, the company's profits have increased significantly, indicating potential for growth.

As of 25-Mar, the stock price of Life Insurance Corporation of India is rising, currently at 780.60, which reflects an increase of 22.8 or 3.01%. This upward movement can be attributed to several factors. Firstly, the stock has been gaining for the last two days, with a total return of 5.58% during this period. Additionally, the finance/NBFC sector has shown positive performance, gaining by 2.91%, which may have contributed to the stock's rise.<BR><BR>The stock reached an intraday high of Rs 784.7, indicating strong trading activity. Despite a decrease in delivery volume by 17.37% compared to the 5-day average, the stock remains liquid enough for trading, with a market cap of Rs 4,78,897 crore, making it the second-largest company in its sector.<BR><BR>Moreover, the company's financial metrics are favorable, with a low debt-to-equity ratio and a return on equity (ROE) of 36, suggesting a very attractive valuation. Although the stock has underperformed over the past year with a return of -1.23%, the company's profits have increased by 23%, and it has a PEG ratio of 0.4, indicating potential for growth.<BR><BR>In summary, the combination of recent gains, sector performance, and solid financial fundamentals are driving the stock price of Life Insurance Corporation of India upward.

Which are the latest news on Life Insurance?