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Life Insurance Corporation of India

Finance & Investments

BSE Code 543526	ISIN Demat INE0J1Y01017	Book Value 152.77	NSE Symbol LICI	Dividend Yield (%) 1.1	Market Cap (₹ Cr.) 574,499.54	P/E 13.91	EPS 65.28	Face Value 10

Particulars (₹ Cr)	Mar2024	Mar2023	Mar2022	Mar2021	Mar2020
Policyholders Account (Technical Account)
Income from Insurance Operations (Information)	853,677.22	788,054.03	721,102.57	682,204.99	615,882.94
Gross premiums Written	475,751.92	474,668.13	428,024.97	403,286.55	379,389.60
Gross Premiums	475,751.92	474,668.13	428,024.97	403,286.55	379,389.60
Reinsurance Accepted	0.00	0.00	0.00	0.00	0.00
Premium Ceded Reinsurers	682.34	663.53	605.76	442.21	327.04
Adjustment for Change in Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Premium Earned (Net)	475,069.58	474,004.60	427,419.21	402,844.34	379,062.56
INCOME FROM INVESTMENTS - INSURANCE	363,943.92	306,390.12	292,894.45	278,761.14	235,351.40
Interest, Dividends & Rent - Gross (net of Amortisation amount)	296,321.99	273,684.95	252,607.99	234,461.41	215,784.96
Profit on Sale / Redemption of Investments	67,010.48	49,463.19	0.00	0.00	0.00
(Loss on Sale / Redemption of Investments)	-3,255.66	-14,823.86	-9,376.91	-6,306.07	-11,976.87
Profit on Sale of Investments (Net)	0.00	0.00	49,776.79	44,534.83	30,373.10
Transfer/Gain on Revaluation	3,867.11	-1,934.16	-113.43	6,070.98	1,164.09
Change in Fair Value	0.00	0.00	0.00	0.00	0.00
Accretion of Discount/(Amortisation of Premium) (Net)	0.00	0.00	0.00	0.00	0.00
Unrealised Gain	0.00	0.00	0.00	0.00	0.00
Net Realised Gain and Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gain / Loss	0.00	0.00	0.00	0.00	0.00
Appropriation / Expropriation Adjustment Account	0.00	0.00	0.00	0.00	0.00
Others	0.00	0.00	0.00	0.00	0.00
OTHER INCOME - INSURANCE	14,663.72	7,659.31	788.90	599.50	1,475.09
Interest on Over Due Premium	0.00	0.00	0.00	0.00	0.00
Interest on Policy Loan	0.00	0.00	0.00	0.00	0.00
Fees and Charges	0.00	0.00	0.00	0.00	0.00
Profit on sale/disposal of fixed assets	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gains/Loss (Net)	2.38	1.40	0.00	0.00	0.00
Linked Income	0.00	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Technical)	14,648.36	7,648.55	788.90	594.75	1,468.98
Transfer of Fund / Contribution from the Shareholders Account	12.98	9.36	0.00	4.76	6.11
Income on Unclaimed amount of Policyholders	0.00	0.00	0.00	0.00	0.00
Commission & Brokerage (net)	25,959.12	25,093.58	23,691.19	22,169.92	21,338.34
Incurred Claims	741,845.40	685,959.50	654,748.35	609,076.35	549,508.49
Claims Benefits Paid	385,949.15	339,312.67	353,437.58	284,654.73	252,548.89
Premium Deficiency	0.00	0.00	0.00	0.00	0.00
Interim Bonuses Paid	2,860.18	3,264.08	4,027.31	2,229.07	1,673.37
Terminal Bonuses Paid	0.00	0.00	0.00	0.00	0.00
Transfer to Funds	0.00	0.00	0.00	0.00	0.00
Changes in Valuation of Policies Liabilities	353,036.07	343,382.75	297,283.46	322,192.54	295,286.23
Changes in Gross Non-Unit/Mathematical Reserves	0.00	0.00	0.00	0.00	0.00
Changes in Amount Ceded in Reinsurance	0.00	0.00	0.00	0.00	0.00
Changes in Amount Accepted in Reinsurance	8,959.29	2,380.71	-9,005.02	439.75	0.00
Fund / Unit Reserve	0.00	0.00	0.00	0.00	0.00
Funds for Discontinued Policies	0.00	0.00	0.00	0.00	0.00
Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Changes in Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
Change in Outstanding Claims (Incl. IBNR/IBNER)	344,076.78	341,002.04	306,288.48	321,752.79	295,286.23
Changes in Actuarial Liabilities	0.00	0.00	0.00	0.00	0.00
Other Insurance Operations
Operating Expenses related to Insurance Business	48,124.06	48,633.81	38,370.95	34,984.44	34,256.83
Other Operating Expenses to Insurance	2,989.64	2,787.54	2,147.85	2,660.94	3,146.76
Loss from Investments	0.00	0.00	0.00	0.00	0.00
Loss from Sale Of Fixed Assets	0.00	0.00	0.00	0.00	0.00
Changes in Fair Value Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Loss	0.00	0.00	0.00	0.00	-2.28
Other Operating Expenses - Insurance	0.00	0.00	0.00	0.00	-9,106.84
Total Insurance Expenses	815,928.58	759,686.89	716,810.49	666,230.70	595,994.54
Underwriting Profit/Loss	340,859.00	285,682.29	289,391.27	263,386.36	216,931.99
Provisions for doubtful debts (Including bad debts written off) (Technical)	-1,011.48	-1,942.01	-1,298.95	8,958.53	-433.83
Provisions for diminution In value of investments (Technical)	-1,940.84	-760.21	-3,038.92	4,531.77	650.33
Provisions for standard assets (Technical)	0.00	0.00	0.00	0.00	0.00
Bad Debts Written Off (Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for goods and service tax / service tax charge on linked charges	134.38	109.48	90.76	93.22	98.28
Provisions for tax	5,825.16	5,242.84	7,878.63	7,987.76	6,823.93
Deferred Tax	0.00	0.00	0.00	0.00	0.00
Other Provisions (Technical)	32.88	-12,144.39	-5,040.11	-8,489.13	10,051.94
Total Expenses Including Provisions	818,968.68	750,192.60	715,401.90	679,312.86	613,185.19
Operating Profit/(Loss)	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
(a) Fire Insurance	0.00	0.00	0.00	0.00	0.00
(b) Marine Insurance	0.00	0.00	0.00	0.00	0.00
(c) Miscellaneous Insurance	0.00	0.00	0.00	0.00	0.00
(d) Life Insurance	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
Balance of Previous Year	0.00	0.00	0.00	0.00	0.00
Appropriations (Surplus/(deficit) After Tax Appropriations)	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
(a) Transfer to Shareholders A/c	40,021.96	36,048.87	12,193.46	2,889.01	2,697.74
(b) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00	0.00
Transfer to Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
(b) Transfer to Reserves	-2,598.45	-261.87	-8,318.04	0.00	0.00
(c) Fund for Future Appropriations (Balance Being Funds for Future Appropriation)	-2,714.97	2,074.43	1,825.25	3.13	0.00
The Total Surplus as Mentioned below :
(a) Interim Bonus Paid	2,860.18	3,264.08	4,027.31	2,229.07	1,673.37
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00	0.00
(c) Allocation of Bonus to Policyholders	53,090.60	49,540.01	48,346.80	54,891.19	51,257.12
(d) Surplus / Deficit Shown in the Revenue A/c	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
Total Surplus / Deficit	90,659.32	90,665.52	58,074.78	60,012.40	55,628.23
Shareholders Account : (Non-technical Account) (NON OPERATING RESULTS)
Income in Shareholders Account	43,716.59	37,199.62	12,394.69	2,912.00	2,733.19
(a) Transfer from Policyholders Fund / Account (Technical Account)	40,021.96	36,048.87	12,193.46	2,889.01	2,697.74
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00	0.00
Total Income Under Shareholders account	3,694.63	1,150.75	201.23	22.99	35.44
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00	0.00
Transfer of Fund to Policyholders A/c	0.00	0.00	0.00	0.00	0.00
Income from Investments	3,694.63	1,147.82	201.23	22.99	35.44
Interest, Dividend & Rent - Gross	3,564.77	1,068.67	160.96	17.78	35.20
Profit on Sale of Investments / Redemption of Investments	147.82	82.71	41.67	6.12	2.12
Less: Loss on sale of Investments / Redemption of Investments	-17.96	-3.56	-1.40	-0.91	-1.88
Amortisation of (premium) /discount on investments	0.00	0.00	0.00	0.00	0.00
Other Income	0.00	2.93	0.00	0.00	0.00
Forex Gain/( Loss)	0.00	0.00	0.00	0.00	0.00
Profit on sale of Assets (Net)	0.00	0.00	0.00	0.00	0.00
Sundry Balances Written Back (Net)	0.00	0.00	0.00	0.00	0.00
Interest on Income-tax Refund	0.00	0.00	0.00	0.00	0.00
Motor Pool Service Charges	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Non Technical)	0.00	2.93	0.00	0.00	0.00
Provision for Doubtful Loans & Investment	0.00	0.00	0.00	0.00	0.00
Provision/(written off ) for Doubtful Debts	0.00	0.00	0.00	0.00	0.00
Diminution in the value of investments written off	0.00	0.00	0.00	0.00	0.00
Other Expenses
Expenses relating to Investments and Financial Costs	0.00	0.00	0.00	0.00	0.00
Expenses other than those directly related to the insurance business	246.28	0.40	0.50	0.46	0.45
Forex Loss/(Gain)	0.00	0.00	0.00	0.00	0.00
IPO Expenses	0.00	0.00	0.00	0.00	0.00
Provisions for doubtful debts (Including bad debts written off) (Non Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments (Non Technical)	1.57	7.76	0.00	0.00	5.88
Provisions for standard assets (Non Technical)	0.00	0.00	0.00	0.00	0.00
Bad Debts Written Off (Non Technical)	0.00	0.00	0.00	0.00	0.00
Other Provisions (Non Technical)	2,668.55	725.32	8,318.04	0.00	0.00
Contribution to the Policyholders Fund / Account	12.98	9.36	9.42	4.76	6.11
Profit/Loss before Extraordinary items	40,787.21	36,456.78	4,066.72	2,906.77	2,720.75
Exceptional Items Before Tax	0.00	0.00	0.00	0.00	0.00
Profit Before Extraordinary Items and Tax	40,787.21	36,456.78	4,066.72	2,906.77	2,720.75
Other Adjustments Before Tax	0.00	0.00	0.00	0.00	0.00
Extraordinary Items before tax	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	40,787.21	36,456.78	4,066.72	2,906.77	2,720.75
Taxation	111.42	59.39	23.60	6.21	8.04
- Current Tax	111.42	59.39	23.60	6.21	8.04
- Deferred Tax	0.00	0.00	0.00	0.00	0.00
- MAT Credit	0.00	0.00	0.00	0.00	0.00
- Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00
- Provision for Tax in respect of earlier years	0.00	0.00	0.00	0.00	0.00
- Provision for Wealth Tax	0.00	0.00	0.00	0.00	0.00
- Other Tax	0.00	0.00	0.00	0.00	0.00
Profit After Tax	40,675.79	36,397.39	4,043.12	2,900.57	2,712.71
Extraordinary Items After Tax	0.00	0.00	0.00	0.00	0.00
Discontinued Operations	0.00	0.00	0.00	0.00	0.00
Profit / (Loss) from Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Tax Expense of Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Shareholders	40,675.79	36,397.39	4,043.12	2,900.57	2,712.71
Adjustments to Net Income	0.00	0.00	0.00	0.00	0.00
Preference Dividend	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Ordinary Shareholders	40,675.79	36,397.39	4,043.12	2,900.57	2,712.71
Information :
Total Employee Benefits (Information)	39,583.59	40,093.90	30,310.58	26,755.18	25,089.77
OperatingProfitAfterDepreciation	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
Operation Profit before Depreciation	34,708.54	37,861.43	5,700.67	2,892.14	2,697.74
Dividend Per Share	10.00	3.00	1.50	0.00	4.27
Dividend Percentage	100.00	30.00	15.00	0.00	42.70
Equity Dividend	6,325.00	1,897.50	948.75	1.51	2,697.74
Earning Per Share - Basic	64.00	58.00	6.39	0.00	4.29
Earning Per Share - Diluted	64.00	58.00	6.39	0.00	4.29
Weighted Average Shares - Basic	632.50	632.50	632.50	632.50	632.50
Weighted Average Shares - Diluted	632.50	632.50	632.50	632.50	632.50