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 31-Mar, the stock price of Life Insurance Corporation of India is currently Rs. 725.45, reflecting a 5.28% decrease and hitting a new 52-week low. The stock has underperformed its sector and shows negative returns across various time frames, indicating a bearish trend despite increased investor participation.

As of 31-Mar, the stock price of Life Insurance Corporation of India is falling, currently at Rs. 725.45, which reflects a decrease of Rs. 40.45 or 5.28%. This decline is evidenced by several factors. The stock has hit a new 52-week low of Rs. 722.5 today and has been underperforming the sector, with a performance that is 1.39% lower than its peers. Additionally, the stock has experienced consecutive falls over the last two days, resulting in a total drop of 7.07% during this period.<BR><BR>In terms of broader performance, the stock has shown negative returns over various time frames, including a 1-week decline of 1.88% and a 1-month decline of 13.85%. Year-to-date, the stock is down 15.12%, and over the past year, it has generated a return of -9.18%, underperforming the BSE500 index in both the short and long term.<BR><BR>The stock is also trading below its moving averages across multiple time frames, indicating a bearish trend. Despite a significant increase in investor participation, with delivery volume rising by 518.24% on 27 March, the overall sentiment remains negative due to the stock's flat results and below-par performance in recent quarters. These factors collectively contribute to the ongoing decline in the stock price of Life Insurance Corporation of India.

Which are the latest news on Life Insurance?