Life Insurance Corporation of India (NSE:LICI)

Q1 2026 Life Insurance Corporation Of India Earnings Call Transcript

Aug 7, 2025 / 01:30 PM GMT

Release Date Price: ₹442.5 (-0.87%)

Transcript

Key Points

Positve

Life Insurance Corporation of India (BOM:543526) reported a growth in total premium income by 4.77% year-on-year, reaching ₹119,200 crore for the quarter ended June 30, 2025.
The company's profit after tax increased by 5.02% year-on-year, amounting to ₹10,986 crore for the quarter.
The solvency ratio improved to 2.17 as of June 30, 2025, compared to 1.99 the previous year, indicating stronger financial stability.
The net VNB margin improved by 150 basis points year-on-year, reaching 15.4% for the quarter ended June 30, 2025.
The company saw a significant growth of 98.23% in new business premium income from bancassurance and alternate channels, indicating successful diversification of distribution channels.

Negative

The market share by first-year premium income slightly decreased from 64.02% to 63.51% year-on-year.
There was a 14.75% decrease in the number of policies sold year-on-year, with 30,39,709 policies sold during the quarter.
The market share by the number of agents decreased from 48.64% to 47.11% year-on-year.
Persistency ratios for various months showed a decline, with the 13th-month persistency dropping from 78.23% to 75.63%.
The agency channel saw a reduction in productivity in terms of the number of policies sold, despite an increase in the average ticket size and sum assured.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

LIFI.NS - Life Insurance Corporation Of India
Q1 2026 Life Insurance Corporation Of India Earnings Call
Aug 07, 2025 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good evening and welcome to the LIC's Q1F526 earnings conference call. As a reminder, all participant clients will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing 90 on your touchstone phone.

Please note that this conference is being recorded.

We have senior management of LIC led by Mr. Toa Swami, CEO and MD on this call.

I now hand the conference over to Mr. R Dora Swami, CEO and MD LIC.

Thank you and over to you, sir.

Ladies and gentlemen, please hold for a moment we have

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