Life Insurance Corporation of India (LIC) made a profit of ₹10,053 crore in the July–September quarter of 2025, a solid 32% rise compared with the same time last year. The company earned more from insurance premiums and improved how it manages its massive investment pool.
LIC’s total premium income — that’s the money it collects from customers for insurance policies — went up by 5.5% to ₹1.26 lakh crore. The total funds the insurer manages, called assets under management, also grew by 3.3% to ₹57.23 lakh crore.
However, when compared with the previous quarter (April–June 2025), profits slipped slightly by 8%.
The company’s solvency ratio, which measures its ability to pay policyholders, improved from 1.98% to 2.13%, showing a stronger financial base. The quality of investments held on behalf of policyholders also became healthier.
LIC collected ₹10,884 crore from new policies — up sharply from ₹7,566 crore in the previous quarter, though a bit lower than last year’s ₹11,245 crore. The renewal premium — what existing customers pay to keep their policies active — rose to ₹65,320 crore.
Single premium policies, where customers pay a lump sum upfront, touched ₹50,882 crore — slightly lower than the last quarter but still higher than a year ago.
In the first six months of this financial year, LIC’s total profit stood at ₹21,040 crore, up 16% from last year. The company earned a total premium income of ₹2.45 lakh crore in the same period.
More customers also chose non-participating policies — those that don’t share in LIC’s profits — pushing their share in the overall business to 36%, compared with 26% a year ago.
LIC’s Value of New Business, a key measure of future profits from new policies, rose by 12.3% to ₹5,111 crore. Profit margins also improved, and the company managed to cut overall expenses.
LIC seems to be on a stable path. Even though profits dipped a bit compared with the last quarter, the steady growth in premium income, improved asset quality, and healthier balance sheet point to a more efficient operation.
