ICICI Lombard General Insurance Company Limited
5,613words
11turns
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0executives
Key numbers — 40 extracted
101.2%
102.5%
18.2%
10.9%
₹
287.12 billion
₹ 268.33 billion
7.0%
9.2%
10.2%
13.3%
₹ 73.40 billion
₹ 62.11 billion
Guidance — 1 items
Safe harbor
opening
“** RoAe, excluding the impact of wage code of ₹ 0.55 billion, stood at 18.1% 10-year CAGR: CoR for IL at 102.9% vs 115.3% for industry; RoAE for IL at 19.1% vs 4.0% for industry.”
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Risks & concerns — 5 flagged
Operating Performance on a 1/n basis: (₹ billion) Financial Indicators GDPI PBT PAT Q4 FY2025 Q4 FY2026 Growth% FY2025 FY2026 Growth% 62.11 6.68 5.10 73.40 7.18 5.47 18.2% 7.5% 7.3% 268.33 33.21 25.08 287.12 36.59 27.72 7.0% 10.2% 10.5% Ratios on a 1/n basis: Financial Indicators Q4 FY2025 Q4 FY2026 FY2025 FY2026 ROAE – Annualised 14.5% 13.3% 19.1% 17.8%** Combined Ratio (CoR) 102.5% 101.2% 102.8% 103.4% ** Excluding the impact of the wage code of ₹ 0.55 billion, the ROAE stood at 18.1%
— Registered Office
Risk Management Prudent underwriting ; Adequate reinsurance ; Superior claims servicing and VAS 4.
— Safe harbor
Comprehensive Product Portfolio & Diversified Distribution Product innovation ; Driving multiple channels to deepen penetration and minimize the risk of concentration 5.
— Safe harbor
• We however continue to drive profitable growth through prudent underwriting and judicious risk selection through our multi-channel distribution.
— Safe harbor
** RoAe, excluding the impact of wage code of ₹ 0.55 billion, stood at 18.1% 10-year CAGR: CoR for IL at 102.9% vs 115.3% for industry; RoAE for IL at 19.1% vs 4.0% for industry.
— Safe harbor
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Opening remarks
Mailing Address
Toll free No.: 1800 2666 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. Website: www.icicilombard.com You are requested to kindly take the same on your records. Thanking you. Yours Sincerely, For ICICI Lombard General Insurance Company Limited Vikas Mehra Company Secretary Encl. As above ICICI Lombard General Insurance Company Limited
Mailing Address
Toll free No.: 1800 2666 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. Website: www.icicilombard.com April 15, 2026 PERFORMANCE FOR THE QUARTER AND YEAR ENDED MARCH 31, 2026 Combined Ratio for Q4 FY2026 was 101.2% as against 102.5% in Q4 FY2025 driven by growth in Gross Direct Premium Income (GDPI) of 18.2% in Q4 FY2026 vs Industry growth of 10.9% • Gross Direct Premium Income (GDPI) of the Company on a 1/n basis was at ₹ 287.12 billion in FY2026 compared to ₹ 268.33 billion in FY2025, a growth of 7.0%, as against the industry growth of 9.2%. Excluding Crop and Mass Health, GDPI growth of the Company on a 1/n basis was at 10.2% as against the industry growth of 13.3% in FY2026. o GDPI of the Company on a 1/n basis was at ₹ 73.40 billion in Q4 FY2026 compared to ₹ 62.11 billion in Q4 FY2025, a growth of 18.2%, as against the industry growth of 10.9%. Excluding Crop and Mass Health, GDPI growth of the Company on a 1
Notes
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 39.2 million policies, over 3.4 million claims processed and has a Gross Written P
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 leg
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