LIC H1 FY27: profit after tax rises 21.52% to INR 25,568 Cr, AUM at INR 59,60,941 Cr
H1 FY27 profit after tax up 21.52% to INR 25,568 Cr and AUM up 4.16%, but individual policies sold down 2.25%.
By ScoutQuest · · 1 min read
- H1 FY27 Profit After Tax
- INR 25,568 Cr vs INR 21,040 Cr, up 21.52%
- Assets Under Management
- up 4.16% to INR 59,60,941 Cr
- Individual Policies Sold
- down 2.25% to 70,97,094 from 72,60,573
- Period
- H1 FY27 (six months ended 30/9/2026)
- Positioning
- LIC presents itself as India's life insurer with pan-India agent reach — 53.89% of individual agents in rural India in H1 FY27 — and INR 59,60,941 Cr of assets under management.
📈 On a standalone basis, H1 FY27 profit after tax was INR 25,568 Cr against INR 21,040 Cr a year earlier, a rise of 21.52% as printed, with assets under management up 4.16% to INR 59,60,941 Cr and net premiums earned at INR 2,74,268.59 crore for the half year.
📉 Volume metrics moved the other way: individual policies sold fell 2.25% to 70,97,094 from 72,60,573 and policies sold through bancassurance and alternate channels fell 2.94% to 1,08,789, while the claim settlement ratio eased 0.51% (absolute) to 96.74%. Solvency strengthened to 2.35 from 2.13.
🌍 The presentation lists six key focus areas: the digital and agency transformation project, consolidating the gain in Non-Par share within individual business, consolidating distribution gains via bancassurance and alternate channels, market share with focus on profitability, investment yield maximisation while balancing risk, and an HR strategy aligned to new skills.
📌 The deck prints base Indian Embedded Value of INR 7,97,378 crore for the half year ended 30/9/2026 and shows its sensitivity table, where a 10% fall in equity values would cut embedded value by 6.0% and a 25% assumed tax rate by 9.4%. It also flags that 53.89% of individual agents were rural in H1 FY27 versus 46.11% urban.
Also from Life Insurance Corporation of India
Audio recording of analyst and investor conference call made available
5 Nov 2026
Corrigendum: AUM figure in press release corrected to Rs. 59,60,941 crore
5 Nov 2026
Board approves Q2/H1 FY27 results; Naga Nalini Kalluri appointed Chief Compliance Officer & KMP
5 Nov 2026
More numbers
- Profit after tax, H1 FY27INR 25,568 Cr
- Assets under management, H1 FY27INR 59,60,941 Cr
- Premiums earned - net, six months ended September 30th 20262,74,268.59 (INR in Crore)
- Profit after tax, H1 FY26INR 21,040 Cr
- Number of policies sold (individual), H1 FY2770,97,094
- Number of policies sold by Bancassurance & Alternate Channels, H1 FY271,08,789
- Claim settlement ratio (death), H1 FY2796.74%
- Solvency ratio, H1 FY272.35
- Base results - Indian Embedded Value, half year ended 30/9/20267,97,378 (INR in Crore)
- Rural share of individual agents, H1 FY2753.89%
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