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Prices as of 8 Oct 2026 close · Not investment advice

Life Insurance Corporation

NSE: LICILife Insurance

Share price

₹379.25

-1.83% close of 8 Oct 2026

Market cap ₹4.80L CrP/E 8.0

Business score

How strong the business is, in one number. The parts behind it are in Pro.

62

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹4.80L Cr

P/E ratio

8.0

P/B ratio

2.7

ROCE

35.1%

ROE

37.8%

Dividend yield

2.6%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹462.0852-week low ₹362.83

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 10.1% over the past year, and 7.3% a year over its longer record. Meanwhile what it keeps of every 100 rupees of sales improved from 0.0% to 4.8% over the last four years.

Whether it grew faster than its sector

It grew 7.3% a year against a sector median of 16.0% — 8.7 percentage points slower.

Room to re-rate, or risk of de-rating

At 8.0× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 64.9×, across 5 companies. It is against its own five-year median of 11.6×, the 0th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.5 times its growth rate, on earnings growth of 17%.

Profit growthPrice per ₹1 profitPer 1% growth
Life Insurance Corporation — this one17%/yr8.0×₹0.47
SBI Life Insurance13%/yr64.9×₹5.0
HDFC Life Insurance12%/yr59.5×₹5.0
ICICI Prudential Life Insurance Company Limited26%/yr41.2×₹1.6
Max Financial Services Limited-40%/yr418.6×—
Canara HSBC Life Insurance Company Limited12%/yr104.8×₹8.7

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Life Insurance), it ranks 1 of 6 on returns, 6 of 6 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A wide advantage: it earns 37.8% on capital, ahead of 83% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Total income rose 7% from a year earlier to ₹2.40 lakh crore, with pre-tax profit of ₹13,686 crore.

Announced 6 Aug 2026 · Consolidated · Unaudited

Revenue

₹2.40L Cr

Revenue vs last year

+6.9%

Revenue vs last quarter

-13.2%

Earnings call transcript · 6 Aug 2026

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹4.80L Cr
Prev close
₹379.25
52w High
₹468
52w Low
₹361
Enterprise value
—
Beta
1.0
Price CAGR 1y
-14.0%
Price CAGR 3y
7.0%
Price CAGR 5y
—
Price CAGR 10y
—

Ratios

Return on assets
1.0%
PEG ratio
0.5
P/E ratio
8.0
P/B ratio
2.7
EV / EBITDA
—
Industry P/E
62.4
ROCE
35.1%
ROCE 5y average
87.0%
ROE
37.8%
Debt / Equity
0.0
Interest coverage
—
Dividend yield
2.6%
ROE 3y average
46.0%
ROE last year
38.0%

Annual P&L

Annual revenue
₹9.78L Cr
Annual profit
₹57,453 Cr
Operating margin
5.0%
Net profit margin
5.9%
EBITDA margin
5.0%
Sales growth 3y
7.6%
Sales growth 5y
7.2%
Profit growth 3y
17.0%
Profit growth 5y
81.0%
EPS
₹45.4
Sales growth TTM
10.0%
Profit growth TTM
23.0%
Dividend payout
11.0%

Quarter P&L

Sales latest quarter
₹2.40L Cr
Profit latest quarter
₹13,584 Cr
YoY quarterly sales growth
6.8%
YoY quarterly profit growth
24.0%
OPM latest quarter
5.8%

Balance Sheet

Book Value
₹139
Face Value
₹10.0
Total debt
₹0 Cr
Total cash
₹72,013 Cr
Borrowings
₹0 Cr
Reserves / Equity
26.9

Cash Flow

Operating cash flow
-₹26,211 Cr
Free cash flow
-₹27,181 Cr
FCF yield
-5.7%
Net cash flow
₹2,856 Cr

Shareholding

Promoter holding
96.5%
FII holding
0.4%
DII holding
1.0%
Public holding
2.1%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Life Insurance387.358.14,89,9982.5913,584.324.02,39,865.76.835.1
SBI Life Insuran1,685.0065.01,69,0740.16724.922.046,336.818.814.9
HDFC Life Insur.546.2560.11,18,6780.38611.211.533,758.514.610.3
ICICI Pru Life453.1540.965,7630.37623.961.93,185.5-79.710.1
Max Financial1,353.65430.646,7160.00118.336.414,969.516.82.9
Canara HSBC144.50104.513,7280.2728.120.14,350.919.88.3
Median499.7062.592,2200.32617.623.024,364.015.710.2

Competes with: Canara HSBC Life Insurance Company Limited, HDFC Life Insurance, ICICI Prudential Life Insurance Company Limited, Max Financial Services Limited, SBI Life Insurance

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales1,90,1632,03,0332,14,0542,38,7172,11,9522,31,1322,03,7512,43,1342,24,6712,41,5242,35,9542,76,7442,39,866
Expenses1,80,1691,94,5582,04,8152,37,1522,02,1802,24,5441,91,8182,21,6212,14,1982,32,0322,23,5882,65,5212,25,854
Operating Profit9,9948,4759,2391,5649,7736,58811,93421,51410,4749,49212,36611,22214,012
OPM %5.264.174.320.664.612.855.868.854.663.935.244.065.84
Other Income11728820614,2491,0017948189547801,0448223,1661,301
Interest0000000000000
Depreciation0000000000000
Profit before tax10,1118,7639,44515,81310,7747,38212,75222,46811,25310,53713,18814,38815,312
Tax %1413151215161415151415-6311
Net Profit9,6348,0329,43413,84210,5277,72311,00919,03910,95510,09612,90823,46713,584
EPS in Rs7.626.357.49118.346.118.70158.667.98101911

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales5,71,5086,28,0436,90,9147,23,6067,84,6288,45,9668,89,9709,77,7729,94,088
Expenses5,65,5876,34,9896,91,1667,20,2807,50,4988,13,3168,36,6929,29,0119,46,996
Operating Profit5,920-6,947-2523,32634,13032,65153,27848,76147,092
OPM %1-1.10-00.504.303.90654.70
Other Income2,61520,87012,8209,2487,80014,8293,4955,4216,333
Interest000000000
Depreciation3363794174364664665067070
Profit before tax8,19913,54412,15112,13841,46347,01456,26753,47553,425
Tax %68807666131314-7
Net Profit2,6272,7102,9744,12535,99740,91648,32057,45360,055
EPS in Rs3.262832384547
Dividend Payout %220235151611

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
—
5 years
7%
3 years
8%
TTM
10%

Compounded profit growth

10 years
—
5 years
81%
3 years
17%
TTM
23%

Stock price CAGR

10 years
—
5 years
—
3 years
7%
1 year
-14%

Return on equity

10 years
—
5 years
52%
3 years
46%
Last year
38%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1001001006,3256,3256,3256,3256,325
Reserves7109026,7845,01239,90876,4221,20,9011,70,280
Borrowings2,69,4012,53,414410000
Other Liabilities31,57,03932,45,41938,22,63742,42,71945,32,25852,33,30055,33,34257,71,951
Total Liabilities34,27,24934,99,83438,29,52442,54,05845,78,49153,16,04756,60,56859,48,556
Fixed Assets25,19428,21617,72317,77020,47320,66721,33028,335
CWIP710734148199331403326419
Investments29,00,28729,76,10035,17,44539,26,21142,43,00849,76,13352,98,42955,56,359
Other Assets5,01,0594,94,7842,94,2083,09,8783,14,6783,18,8443,40,4833,63,444
Total Assets34,27,24934,99,83438,29,52442,54,05845,78,49153,16,04756,11,58959,09,531

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity13,27454,36780,602-3,78354,51926,548-9,721-26,211
Cash from Investing Activity9,636-40,4151,48,44712,531-52,848-25,69541,40836,693
Cash from Financing Activity-13,700-18,664-2,56,1250-949-4,427-3,794-7,626
Net Cash Flow9,210-4,712-27,0778,748722-3,57427,8932,856
Free Cash Flow11,28153,44786,765-3,87953,97625,835-10,435-27,181

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days00000000
Cash Conversion Cycle00000000
Working Capital Days7863354243393845
ROCE %59131143735335

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters979797979797979797979797
FIIs0.100.060.140.190.160.070.100.110.130.200.310.44
DIIs0.8410.850.941.161.261.271.371.351.331.270.99
Public2.552.432.492.372.172.152.132.022.031.961.902.06
No. of Shareholders31,34,54129,36,74027,16,18125,63,69323,98,13023,75,39623,71,84122,77,18022,27,96621,55,41721,11,76621,52,897

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -15.3% (₹447.60 → ₹379.25)Brick size ₹9.35 (fixed)Bricks 40
₹400₹450₹379Dec '25Feb '26Apr '26Jun '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹379.25 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

annualised premium equivalent (APE), ₹ crore

13,692inr_cr

2026-06-30

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

1.21

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

own market share %

60.10pct

2026-06-30

61-month persistency % (life insurer)

61.27pct

2026-06-30

13-month persistency %

70.38pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

FY revenue / permanent employees + workers, same basis (calc)

11,50,93,509inr

2026-03-31

solvency ratio (multiple)

2.42x

2026-06-30

VNB margin %

22.90pct

2026-06-30

volume growth %

2.06pct

2026-06-30

News

News and filings about Life Insurance Corporation. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

Products sold by

processes data for

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Life Insurance
Classification
Financial Services › Life Insurance
ISIN
INE0J1Y01017

News impact

Big market events that reach Life Insurance Corporation, and how the effect spreads.

Who it hits first

  • ICICI Prudential Life Insurance Company, the private life insurer, named insider Siddhartha Mishra as its new Managing Director and Chief Executive as Anup Bagchi stepped down.
  • The announcement removes uncertainty about who will lead the insurer, which markets usually read as mildly positive for its own shares.
  • Rival life insurers face no change in sales or rules from this move, so their business is untouched for now.

Who may gain

  • ICICI Prudential Life Insurance shareholders, who get leadership clarity as a long-serving insider takes over as the top boss.
  • Policyholders and agents of ICICI Prudential Life Insurance, who see continuity with no break in service or sales support.
  • No rival life insurer gains a clear edge, since customers do not switch policies on a competitor's CEO news.

Along the supply chain

Downstream

No downstream disruption — the insurer's bank and online sellers such as ICICI Bank and Policybazaar keep distributing the same life policies under the new boss.

Upstream

No direct supply-chain link — R K Swamy, the advertising agency that supplies marketing services to the insurer, sees no change in work from a boss swap.

Where demand moves

Business

No new insurance demand is created — families do not buy more life cover because one insurer changed its boss; any business effect is limited to steadier sales at ICICI Prudential Life if agents and bank partners stay confident.

Capital

Investors may tilt a little short-term money toward ICICI Prudential Life shares on leadership clarity, funded by trading flows rather than a broad move out of rival insurers such as Life Insurance Corporation of India or HDFC Life.

How it spreads across sectors

Financial Services

Neutral for the wider life-insurance group — a single-company leadership change with no rule or rate shift, so peers trade on their own results.

When it plays out

Immediate

ICICI Prudential Life shares react mildly to the news while analysts note the insider handover.

Medium term

The stock tracks policy sales and claims results, not the appointment, unless the new boss changes strategy.

Short term

Focus shifts to the new boss's first comments on sales growth and profit margins.

Who it hits first

  • Ola Electric Mobility, which makes electric scooters, fell 2.7% to Rs 36.8 after HSBC kept a Reduce rating (a sell advice) seeing over 37% downside.
  • The shares lagged the Nifty, which fell only 0.83%, showing the drop was about Ola, not the whole market.
  • A Reduce rating tells bank clients to cut holdings, so selling pressure hits Ola until the worry fades or sales prove it wrong.

Who may gain

  • Short sellers in Ola Electric, who gain if the shares slide further toward HSBC's downside target
  • Bargain hunters who want Ola stock cheaper and can wait for the dust to settle
  • Holders of profitable rivals like TVS Motor and Bajaj Auto, who avoid this EV-loss worry

Along the supply chain

Downstream

No downstream change — Ola sells scooters directly to riders, so no dealer chain feels this; only shareholders react.

Upstream

No upstream change — parts makers like Gabriel India, Minda Corporation and SJS Enterprises see no order cuts because a bank cut its rating, not Ola's production.

Where demand moves

Business

No change in scooter shop demand — a bank note does not stop buyers choosing Ola, TVS or Ather scooters this week.

Capital

Selling pressure on Ola shares — holders cut positions on the Reduce call, so the price slips while rivals see no money flow.

How it spreads across sectors

Automobile and Auto Components

Mild negative mood for electric two-wheeler names like Ather on EV-loss worries, but no sales hit to TVS, Bajaj, Eicher or Hero.

When it plays out

Immediate

In 1-7 days, Ola stays weak near Rs 36.8 as the Reduce call circulates and sellers dominate.

Medium term

In 1-6 months, price follows losses and scooter volumes — profits matter, not one bank note.

Short term

In 1-4 weeks, shares steady if sales or service news counters the bank, else drift lower toward its target.

Who it hits first

  • Life Insurance Corporation of India, the state-owned life insurer, lost Managing Director Dinesh Pant after the government approved his voluntary retirement effective September 24.
  • LIC shares face short-term leadership uncertainty as investors wait for a successor, though day-to-day policy sales and claims work continues.
  • No policy, premium, or payout changes were announced with the exit.

Who may gain

  • No lasting beneficiary — rival life insurers like HDFC Life Insurance and SBI Life Insurance do not gain new business from a single LIC leadership exit.
  • Short-term traders watching volatility around the succession news could see small swings, but no durable gain is visible.

Along the supply chain

Downstream

No downstream supply break — LIC sells life policies to households and pays claims, so no factory or buyer loses inputs from this exit.

Upstream

LIC's technology and service vendors such as eMudhra (digital trust services) and Medi Assist (health claims support) keep existing contracts — a single MD exit does not cancel software or back-office orders.

Where demand moves

Business

No direct business demand shift — households do not buy or drop life policies because one managing director retires, so premium flows stay steady.

Capital

Small capital wobble — some investors may trim Life Insurance Corporation shares for a few days until a successor is named, with no pull of money into rivals.

How it spreads across sectors

Financial Services

Mild sentiment drag on life insurers as investors price leadership uncertainty at the largest player, with premiums, claims and agent networks unchanged.

When it plays out

Immediate

1–7 days: LIC shares wobble slightly on leadership headlines while rivals trade flat as investors await a successor name.

Medium term

1–6 months: No lasting impact unless the vacancy delays strategy or more top exits follow, which the pack does not show.

Short term

1–4 weeks: Reaction fades once the government names an interim or new MD and LIC confirms business as usual.

Who it hits first

  • Allied Blenders and Distillers, the whisky and spirits maker, saw its shares jump about 6% after its promoter sold 55 lakh shares to meet minimum public shareholding rules.
  • Abu Dhabi Investment Authority, a large foreign sovereign fund, and SBI Mutual Fund, a big local fund house, bought the shares, which reassured the market.
  • More shares in public hands means easier trading and less worry about a future forced sale.

Who may gain

  • Allied Blenders shareholders, who see a higher price plus stronger big-investor backing
  • Near-term traders in Allied Blenders riding the placement momentum
  • Rival spirits makers get only a faint sentiment lift with no extra sales

Along the supply chain

Downstream

No downstream change — distributors, bars and retail shops get no extra stock or price change from the promoter stake sale.

Upstream

No upstream change — grain, sugar and packaging suppliers see no new orders because only shares changed hands.

Where demand moves

Business

No extra bottles sold — bars, shops and distributors order the same; this is a change of share ownership, not a sales boost.

Capital

Fresh capital demand for Allied Blenders shares from ADIA and SBI Mutual Fund soaks up the promoter supply and lifts the price about 6%, with steadier trading as more shares float freely.

How it spreads across sectors

Fast Moving Consumer Goods

Mild positive read for listed spirits peers as big-fund buying validates the segment; no sales or margin spillover.

Financial Services

Negligible — SBI Mutual Fund buying is a routine portfolio trade with no earnings impact for group lenders, card firms or insurers.

When it plays out

Immediate

Allied Blenders trades firm on placement momentum and higher volumes as the market digests the new shareholding.

Medium term

The stock tracks earnings and spirits demand again; a bigger public float may help liquidity and fund ownership over time.

Short term

Price steadies as MPS compliance removes the overhang; any further promoter selling to reach full float is watched.

Who it hits first

  • Sedemac Mechatronics, which makes auto parts and control systems, may see up to 44.3 lakh shares (10% of the company) sold in a block deal worth about Rs 1,329 crore.
  • The sellers named are investors A91 and Xponentia plus HDFC Life Insurance, with a floor price of Rs 3,000 per share.
  • The report is not yet a done deal, but the overhang alone can press the share price until buyers absorb the stock.

Who may gain

  • Block-deal buyers who can pick up Sedemac shares at or near the Rs 3,000 floor if selling pressure dips the price.
  • The sellers A91, Xponentia and HDFC Life, who would turn shares into about Rs 1,329 crore of cash if the sale completes.

Along the supply chain

Downstream

No downstream change — customers like TVS Motor (two-wheeler maker), Bajaj Auto (two-wheeler maker) and Cummins India (engine maker) still get the same parts.

Upstream

No upstream change — Sedemac's own material buying stays normal because factories keep running.

Where demand moves

Business

No change in parts demand — two-wheeler makers still need Sedemac's systems; only share ownership would move.

Capital

About Rs 1,329 crore of stock could rotate from three sellers to new holders, creating near-term supply that caps the price around Rs 3,000.

How it spreads across sectors

Automobile and Auto Components

Brief sentiment wobble on 10% supply news; peers share no business link so no lasting move.

Financial Services

No ripple — HDFC Life selling a non-core stake does not change insurance demand for LIC, SBI Life or others.

When it plays out

Immediate

1–7 days: Sedemac trades heavy around Rs 3,000 as the 44.3 lakh-share overhang clears or stalls.

Medium term

1–6 months: parts orders and margins decide the price; the block itself leaves no factory mark.

Short term

1–4 weeks: deal confirms or fades; focus returns to auto demand and earnings.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

25 Jun 2026unspecified₹10
29 May 2026bonus₹0
25 Jul 2025unspecified₹12
19 Jul 2024unspecified₹6
21 Feb 2024interim₹4
21 Jul 2023unspecified₹3
25 Aug 2022unspecified₹1.5

Splits, bonuses & buybacks

  • daily-prices repair: 8 rows from NSE's archive (replace 2, delete 1, insert 5), 2023-11-12..2026-02-01 (docs/flat_day_repair.md)1× · 12 Nov 2023

Insider trades

DisclosedWhoTypeSharesValue ₹ Cr
10 Aug 2026President of India acting through and represented by Minstry of Finance · PromoterSELL82,23,33,55831,552.34

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.