LIC Q4 results: Net profit jumps 38% to Rs 19,013 crore, insurer declares Rs 12 dividend

LIC has invested Rs 80,000 crore in corporate bonds in FY25 and plans to increase this, depending on market conditions and paper quality

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26 Aug, 2025 12:21

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Life Insurance Corporation of India (LIC) reported a 38 percent rise in its net profit for the fourth quarter ending March 2025, reaching Rs 19,013 crore. This marks a rise of 38 percent from the Rs 13,763 crore net profit recorded during the same quarter in the previous fiscal year.

However, LIC’s total income for the quarter fell to Rs 241,625 crore, compared to Rs 250,923 crore during the corresponding period last year, the insurer revealed in a regulatory filing.The company’s board has recommended a final dividend of Rs 12 per share.

A bonus of Rs 56,190.24 crore was declared to policyholders, demonstrating the company’s continued commitment to delivering value. Value of New Business (VNB) rose by 4.47 percent year-on-year to Rs 10,011 crore, with VNB margin (net) expanding by 80 basis points to 17.6 percent.

The share of Non-Par Annualized Premium Equivalent (APE) within the individual business grew by 937 basis points year-on-year to 27.69 percent, while Non-Par APE itself surged by 50.28 percent year-on-year to Rs 10,581 crore.

The expense ratio was notably reduced by 315 basis points year-on-year to 12.42 percent for FY25 from 15.57 percent in FY24.Indian Embedded Value (IEV) increased by 6.81 percent year-on-year to Rs 7,76,876 crore, while the company’s Assets Under Management (AUM) expanded by 6.45 percent year-on-year to Rs 54,52,297 crore.

Lastly, the solvency ratio strengthened to 2.11 from 1.98 year-on-year, indicating improved financial stability and resilience.

For FY25, the company reported a Profit After Tax of Rs 48,151 crore, reflecting a robust year-on-year increase of 18.38 percent. Individual new business premium stood at Rs 62,495 crore, up by 8.28 percent year-on-year.