ICICI Lombard General Insurance Company Limited
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Key numbers — 40 extracted
₹ 77.35 billion
₹ 76.88 billion
0.6%
8.8%
4.8%
12.8%
102.9%
102.3%
28.4%
₹ 9.94 billion
₹ 7.74 billion
₹ 3.80 billion
Risks & concerns — 1 flagged
Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 4.8% for Q1 FY2026, as against the industry growth of 12.8%.
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Speaking time
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Opening remarks
Mailing Address
Sixth floor- Interface 16, Office no 601 & 602, New linking Road, Malad west, Mumbai - 400064. CIN: L67200MH2000PLC129408
Registered Office
ICICI Lombard House, 414, Veer Savarkar Marg, Email: customersupport@icicilombard.com Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400 025.
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Toll free No.: 1800 2666 Website: www.icicilombard.com PERFORMANCE FOR THE QUARTER ENDED JUNE 30, 2025 July 15, 2025 With effect from October 1, 2024, Long-term Products are accounted on a 1/n basis, as mandated by IRDAI, hence Q1 FY2026 numbers are not comparable with prior periods. Gross Direct Premium Income (GDPI) of the Company was at ₹ 77.35 billion in Q1 FY2026 compared to ₹ 76.88 billion in Q1 FY2025, a growth of 0.6%, as against the industry growth of 8.8%. Excluding the impact of 1/n accounting norm, GDPI of the Company grew by 4.8% for Q1 FY2026, as against the industry growth of 12.8%. Combined ratio was at 102.9% for Q1 FY2026 compared to 102.3% for Q1 FY2025. Profit before tax (PBT) grew by 28.4% to ₹ 9.94 billion in Q1 FY2026 compared to ₹ 7.74 billion in Q1 FY2025. o Capital gains was at ₹ 3.80 billion in Q1 FY2026 compared to ₹ 2.84 billion in Q1 FY2025. Consequently, Profit after tax (PAT) grew by 28.7% to ₹ 7.47 billion in Q1 FY2026 compared to ₹ 5.80 billion
Operating Performance Review
(₹ billion) Financial Indicators GDPI PBT PAT Q1 FY2025 Q1 FY2026 Growth % FY2025 76.88 7.74 5.80 77.35 9.94 7.47 0.6% 28.4% 28.7% 268.33 33.21 25.08
Notes
Q1 FY2025 19.1% 102.3% Q1 FY2026 20.5% 102.9% FY2025 19.1% 102.8% Combined Ratio = (Net Incurred Claims/ Net Earned Premium) + (Management Expenses – Commission on Reinsurance)/ Net Written Premium Management Expenses = Commission Paid Direct + Commission Paid on Reinsurance inward + Operating expenses related to insurance business Return on Average Equity (ROAE) = Profit After Tax / ((Opening Net Worth + Closing Net Worth)/2) Net Worth = Share Capital + Reserves & Surplus About ICICI Lombard General Insurance Company Limited ICICI Lombard is the leading private general insurance company in the country. The Company offers a comprehensive and well-diversified range of products through multiple distribution channels, including motor, health, crop, fire, personal accident, marine, engineering, and liability insurance. With a legacy of over 2 decades, ICICI Lombard is committed to customer centricity with its brand philosophy of ‘Nibhaye Vaade’. The company has issued over 37.6 million pol
Safe harbor
Except for the historical information contained herein, statements in this release which contain words or phrases such as 'will' , 'would' , ‘indicating’ , ‘expected to’ etc., and similar expressions or variations of such expressions may constitute 'forward-looking statements'. These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, our growth and expansion in business, the impact of any acquisitions, technological implementation and changes, the actual growth in demand for insurance products and services, investment income, cash flow projections, our exposure to market risks, policies and actions of regulatory authorities; impact of competition; the impact of changes in capital, solvency or accounting standards, tax and other legi
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