News ArticleLife Insurance Corporation of India Records 11.64% Growth in Total Premium Income to INR 2,74,269 Crore in H1 FY27
LIC launches new insurance products and reports solvency ratio of 2.35 amid maintained market leadership with 58.77% market premium share
Life Insurance Corporation of India (LIC) announced a total premium income of INR 2,74,269 crore for H1 FY27, marking an 11.64% increase from H1 FY26. The company reported growth in individual new business premium and group business premium, launched new insurance products, and disclosed embedded value and operational performance metrics. LIC maintains market leadership with a 58.77% share in premium and a strong solvency ratio of 2.35.
Life Insurance Corporation of India
Investor Presentation
Life Insurance Corporation of India (LIC) reported a total premium income of INR 2,74,269 crore for the half-year ended September 30, 2026 (H1 FY27), up 11.64% from INR 2,45,680 crore in the same period last year. The insurer also announced new product launches and disclosed key financial and actuarial metrics.
LIC's individual new business premium increased to INR 1,27,950 crore in H1 FY27 from INR 1,22,224 crore in H1 FY26, while renewal premium for individual policies rose to INR 32,725 crore from INR 28,491 crore.
Group business premium grew 19.62% year-on-year to INR 1,13,594 crore in H1 FY27 against INR 94,965 crore in H1 FY26.
The company's market share in premium was 58.77% in H1 FY27, slightly down from 59.41% a year ago.
LIC launched several new products during the period including LIC's New Jeevan Dhara – II Deferred Annuity Plan, Health Shield – Health Pure Risk Plan, and New Cancer Cover – Health Pure Risk Plan.
The embedded value of LIC stood at INR 7,97,378 crore as of September 30, 2026, showing a 1.04% growth since March 2026, with adjusted net worth and value of in-force business detailed in the report.
Highlights
- Total premium income for H1 FY27: INR 2,74,269 crore, up 11.64% from H1 FY26.
- Individual new business premium: INR 1,27,950 crore, up 4.68%.
- Group business premium: INR 1,13,594 crore, up 19.62%.
- Market share in premium at 58.77% for H1 FY27.
- Solvency ratio improved to 2.35 from 2.13.
- Profit after tax rose to INR 25,568 crore from INR 21,040 crore in H1 FY26.
Key Data Snapshot
What happened
- LIC announced an 11.64% increase in total premium income to INR 2,74,269 crore for the half-year ended September 30, 2026 (H1 FY27).
- Individual new business premium and renewal premiums increased, with group business premium rising significantly by 19.62%.
- The company maintained its market share of approximately 58.77% in terms of premium during this period.
Key details
- Several new insurance products were launched in H1 FY27 including New Jeevan Dhara – II Deferred Annuity Plan, Health Shield – Health Pure Risk Plan, and New Cancer Cover – Health Pure Risk Plan.
- Embedded value as of September 30, 2026, stood at INR 7,97,378 crore, up 1.04% from March 2026.
- Profit after tax increased to INR 25,568 crore in H1 FY27 from INR 21,040 crore in H1 FY26.
- Solvency ratio improved to 2.35 as compared to 2.13 in the previous year, reflecting a strong capital position.
Financial performance
- Markets and investment yields showed slight changes with yield on policyholders' fund at 8.67%, down marginally from 8.90%.
- Conservation ratio was 90.20% and overall expense ratio improved to 10.41% from 11.28% in H1 FY26.
- Total death claim paid for individual policies rose to INR 17,510 crore from INR 15,293 crore in H1 FY26.
Highlights
- Total premium income for H1 FY27: INR 2,74,269 crore, up 11.64% from H1 FY26.
- Individual new business premium: INR 1,27,950 crore, up 4.68%.
- Group business premium: INR 1,13,594 crore, up 19.62%.
- Market share in premium at 58.77% for H1 FY27.
- Solvency ratio improved to 2.35 from 2.13.
- Profit after tax rose to INR 25,568 crore from INR 21,040 crore in H1 FY26.
Disclosures
- IRDAI Regulations
Source Information
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