| Annual Financials | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 6,034 | 7,521 | 8,480 | 10,251 | 11,533 | 12,678 | 16,836 | 18,871 | 20,610 | 24,001 | 25,581 |
| Expenses | 5,326 | 6,611 | 7,284 | 8,652 | 9,836 | 10,724 | 15,153 | 16,758 | 17,921 | 20,555 | 21,881 |
| EBITDA | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,689 | 3,446 | 3,699 |
| Operating Profit % | 8 % | 8 % | 10 % | 12 % | 11 % | 12 % | 6 % | 7 % | 9 % | 10 % | -4 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 134 | 124 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 708 | 910 | 1,196 | 1,598 | 1,697 | 1,954 | 1,684 | 2,113 | 2,555 | 3,321 | 3,699 |
| Tax | 200 | 208 | 335 | 549 | 503 | 481 | 413 | 384 | 637 | 813 | 899 |
| Net Profit | 507 | 702 | 862 | 1,049 | 1,194 | 1,473 | 1,271 | 1,729 | 1,919 | 2,508 | 2,801 |
| EPS in ₹ | 11.35 | 15.66 | 19.01 | 23.11 | 26.27 | 32.41 | 25.91 | 35.21 | 39.03 | 50.74 | 56.50 |
ICICI Lombard General Insurance
ICICI Lombard General Insurance
2,011.10
+24.70
(1.24%)
Key Fundamentals
Market Cap
1,00,040.27 Cr
EPS
50.74
PE Ratio
35.29
Dividend Yield
0.63 %
Industry
Insurance 52 Week High
2,068.70
52 Week Low
1,613.70
PB Ratio
6.18
Debt to Equity
0.00
Sector
General Insurance Analyst Rating and Forecast
- By Refinitiv from24 analysts
Actual
Company News
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ICICI Lombard Clarifies Material Change Clause Will Not Increase Health Insurance Premiums
22 hours ago
22 hours agoICICI Lombard General Insurance clarified that its 'Material Change' clause in health insurance policies will not result in higher premiums or coverage changes if policyholders develop new illnesses after purchasing the policy. The clarification addresses concerns raised on social media and by consumer groups regarding the clause's interpretation in plans like Elevate and Health AdvantEdge. The insurer stated the clause is designed to recognize positive health changes that could lead to lower premiums or wellness benefits. The company emphasized it follows IRDAI rules and industry standards, noting that the clause works with renewal terms without requiring fresh medical tests or underwriting at renewal, except when policyholders request to increase sum insured, add members, or include additional covers. ICICI Lombard reported no claims have been rejected due to this clause. The clause requires customers to disclose new illnesses at renewal, but such disclosures will not affect premiums or coverage unless changes are requested by the policyholder.
ICICI Lombard General Insurance reported a profit after tax growth of 22.9% to ₹15.67 billion in H1 FY2026, compared to ₹12.74 billion in H1 FY2025. However, the company experienced a 0.5% decline in Gross Direct Premium Income to ₹143.31 billion against the industry growth of 7.3%. Excluding Crop and Mass Health segments, the company achieved 3.5% growth versus industry's 10.5%. The combined ratio deteriorated to 104.0% from 103.2% due to catastrophic events including floods. Key segment performance showed Commercial lines growing 6.5%, Motor segment up 2.2%, and Health segment rising 4.2%. The company's Retail Health business demonstrated strong 25.2% growth, improving market share from 3.2% to 3.7%. Investment income increased to ₹25.38 billion from ₹22.52 billion. The Board declared an interim dividend of ₹6.50 per share compared to ₹5.50 in the previous year. Management expressed optimism about GST reforms benefiting the insurance sector, particularly the exemption on individual health insurance premiums and reduced GST rates in the automobile sector.
Orissa High Court Orders CBI Probe Into Rs 5 Crore Fraudulent Motor Accident Claims Against ICICI LombardOct 16, 2025
Oct 16, 2025The Orissa High Court has directed the Central Bureau of Investigation to reinvestigate fraudulent motor accident claims involving vehicles insured with ICICI Lombard General Insurance Company. The case involves 34 Motor Accident Claim Tribunal cases from 29 alleged road traffic accidents, with compensation claims totaling approximately Rs 5 crore. ICICI Lombard's internal investigation revealed serious irregularities including vehicle implanting, the same driver appearing in multiple accidents, and manipulation of medical records. The company reported these findings to the Crime Branch and sought a stay on tribunal proceedings through the High Court. The Crime Branch confirmed irregularities in their affidavit to the court, prompting the High Court to assign the CBI to handle the reinvestigation due to the scale and complexity of the fraudulent claims.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
2,011.10 | #1 1,00,040.27 | #3 35.29 | #3 24,000.80 | #2 16.45 | #2 2,508 | #4 18.08 | 59.24 | |
384.20 | 67,404.05 | #1 7.91 | #1 49,924.60 | 7.53 | #1 6,974 | #1 80.67 | 58.12 | |
360.00 | 33,239.19 | 70.55 | 9,695.50 | 12.54 | 425 | 36.53 | 48.94 | |
189.00 | 31,147.20 | 26.16 | 43,634.00 | 0.32 | 972 | 65.38 | 49.71 | |
494.20 | 29,056.48 | 48.55 | 16,113.00 | 14.87 | 646 | -17.69 | 59.48 | |
74.13 | 13,682.26 | 98.20 | 5,529.70 | #1 27.52 | 214 | -386.17 | 32.06 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
16.45 %
Net Income Growth
30.74 %
Cash Flow Change
-52.33 %
ROE
10.18 %
ROCE
24.27 %
EBITDA Margin (Avg.)
10.04 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3,485 | 4,889 | 5,760 | 6,144 | 6,191 | 8,601 | 9,724 | 10,641 | 12,985 | 14,984 |
| Fixed Assets | 510 | 516 | 509 | 557 | 771 | 717 | 941 | 883 | 930 | 728 |
| Current Assets | 3,596 | 7,931 | 10,940 | 10,405 | 9,733 | 7,429 | 11,139 | 11,077 | 13,408 | 14,541 |
| Capital Work in Progress | 10 | 11 | 38 | 17 | 12 | 14 | 11 | 25 | 94 | 74 |
| Investments | 11,563 | 15,079 | 18,193 | 22,231 | 26,327 | 30,892 | 38,786 | 43,180 | 48,907 | 53,508 |
| Other Assets | -8,598 | -10,718 | -12,980 | -16,661 | -20,919 | -23,022 | -30,014 | -33,447 | -36,946 | -39,326 |
| Total Liabilities | 3,485 | 4,889 | 5,760 | 6,144 | 6,191 | 8,601 | 9,724 | 10,641 | 12,985 | 14,984 |
| Current Liabilities | 12,191 | 18,462 | 23,990 | 27,259 | 30,852 | 30,697 | 41,124 | 44,445 | 50,323 | 54,036 |
| Non Current Liabilities | 249 | 988 | 1,033 | 744 | 151 | 1,003 | 531 | 197 | 780 | 499 |
| Total Equity | 3,236 | 3,901 | 4,727 | 5,400 | 6,039 | 7,599 | 9,193 | 10,444 | 12,205 | 14,485 |
| Reserve & Surplus | 2,728 | 3,274 | 4,087 | 4,866 | 5,680 | 6,981 | 8,619 | 9,901 | 11,467 | 13,807 |
| Share Capital | 448 | 451 | 454 | 454 | 455 | 455 | 491 | 491 | 493 | 496 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | -20 | 53 | -1 | 398 | -190 | -369 | 195 | 65 | -90 | 131 | -247 |
| Investing Activities | 171 | -310 | -1,990 | -1,896 | -2,856 | -3,382 | -1,367 | 135 | -1,685 | -1,921 | -1,137 |
| Operating Activities | -98 | 512 | 1,628 | 2,390 | 2,976 | 3,433 | 1,774 | 809 | 2,290 | 2,407 | 1,147 |
| Financing Activities | -94 | -149 | 361 | -96 | -310 | -420 | -212 | -879 | -695 | -355 | -257 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 51.88 % | 51.87 % | 48.08 % | 48.05 % | 48.04 % | 48.03 % | 48.02 % | 48.02 % | 48.02 % | 48.01 % | 48.00 % | 47.91 % | 51.27 % | 51.81 % | 51.66 % | 51.60 % | 51.55 % | 51.46 % | 51.37 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 22.37 % | 0.00 % | 23.06 % | 23.93 % | 24.75 % | 24.36 % | 23.68 % | 23.93 % | 24.04 % |
| DIIs | 9.91 % | 9.71 % | 8.64 % | 11.48 % | 11.55 % | 13.56 % | 14.80 % | 16.84 % | 17.38 % | 18.26 % | 18.56 % | 16.84 % | 16.11 % | 17.29 % | 16.73 % | 17.29 % | 17.84 % | 17.61 % | 17.51 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 5.23 % | 5.16 % | 4.85 % | 5.14 % | 5.89 % | 6.09 % | 6.29 % | 6.23 % | 6.32 % | 6.32 % | 5.62 % | 5.64 % | 5.45 % | 5.54 % | 5.22 % | 5.36 % | 5.48 % | 5.49 % | 5.54 % |
| Others | 32.98 % | 33.25 % | 38.43 % | 35.33 % | 34.51 % | 32.32 % | 30.88 % | 28.91 % | 28.27 % | 27.41 % | 5.45 % | 29.61 % | 4.11 % | 1.43 % | 1.64 % | 1.38 % | 1.45 % | 1.50 % | 1.54 % |
| No of Share Holders | 2,58,816 | 2,54,123 | 2,63,588 | 2,75,002 | 2,87,701 | 2,91,428 | 2,98,048 | 2,92,282 | 2,87,023 | 2,75,356 | 2,64,710 | 2,52,680 | 2,39,489 | 2,37,248 | 2,36,699 | 2,38,406 | 2,40,853 | 2,40,980 | 2,39,812 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 3.5 | 4 | 6 | 3.5 | 8 | 9 | 11 | 11 | 12.5 |
| Dividend Yield (%) | 0.00 | 0.44 | 0.39 | 0.55 | 0.24 | 0.6 | 0.84 | 0.65 | 0.61 | 0.63 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 19 Mar 2021 |  Dividend | ₹ 4.00 /share | 18 Mar 2021 | 1,469.95 | 1,438.25 |
| 03 Aug 2021 | Dividend | ₹ 4.00 /share | 02 Aug 2021 | 1,417.15 | 1,455.95 |
| 01 Nov 2021 | Dividend | ₹ 4.00 /share | 29 Oct 2021 | 1,504.25 | 1,481.55 |
| 29 Jul 2022 | Dividend | ₹ 5.00 /share | 28 Jul 2022 | 1,363.10 | 1,189.20 |
| 28 Oct 2022 | Dividend | ₹ 4.50 /share | 27 Oct 2022 | 1,132.25 | 1,162.05 |
| 12 Jun 2023 | Dividend | ₹ 5.50 /share | 12 Jun 2023 | 1,104.10 | 1,215.50 |
| 27 Oct 2023 | Dividend | ₹ 5.00 /share | 27 Oct 2023 | 1,360.35 | 1,355.65 |
| 07 Jun 2024 | Dividend | ₹ 6.00 /share | 07 Jun 2024 | 1,649.05 | 1,644.80 |
| 25 Jun 2024 |  Annual General Meeting | NA | 25 Jun 2024 | 1,661.40 | 1,771.75 |
| 18 Oct 2024 |  Quarterly Result Announcement | NA | 18 Oct 2024 | 2,275.20 | 2,039.35 |
| 28 Oct 2024 | Dividend | ₹ 5.50 /share | 28 Oct 2024 | 2,039.35 | 1,928.40 |
| 17 Jan 2025 | Quarterly Result Announcement | NA | 17 Jan 2025 | 1,862.05 | 1,908.15 |
| 15 Apr 2025 | Quarterly Result Announcement | NA | 15 Apr 2025 | 1,723.20 | 1,718.35 |
| 06 Jun 2025 | Dividend | ₹ 7.00 /share | 06 Jun 2025 | 1,718.35 | 1,875.70 |
| 30 Jun 2025 | Annual General Meeting | NA | 30 Jun 2025 | 1,875.20 | 2,018.15 |
| 15 Jul 2025 | Quarterly Result Announcement | NA | 15 Jul 2025 | 1,986.80 | 2,019.70 |
| 14 Oct 2025 | Quarterly Result Announcement | NA | 14 Oct 2025 | 1,886.30 | 1,833.40 |
| 23 Oct 2025 | Dividend | ₹ 6.50 /share | 23 Oct 2025 | 1,833.40 | 2,007.00 |
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS3 days ago
3 days agoSchedule Of Analyst/ Institutional Investor Meet - Intimation3 days ago
3 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript7 days ago
7 days agoUpdated Investor PresentationOct 16, 2025
Oct 16, 2025Clarification With Respect To Increase In VolumeOct 16, 2025
Oct 16, 2025Clarification sought from ICICI Lombard General Insurance Company LtdOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 15, 2025
Oct 15, 2025Communication Sent To Shareholders Regarding Tax Deduction At Source (TDS)Oct 15, 2025
Oct 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 14, 2025
Oct 14, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 14, 2025
Oct 14, 2025Corporate Action-Board approves DividendOct 14, 2025
Oct 14, 2025Outcome Of The Board Meeting Held On Tuesday October 14 2025Oct 14, 2025
Oct 14, 2025Board Meeting Outcome for Outcome Of The Board Meeting Held On Tuesday October 14 2025Oct 14, 2025
Oct 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 14, 2025
Oct 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 09, 2025
Oct 09, 2025Update On Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Oct 09, 2025
Oct 09, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 03, 2025
Oct 03, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 03, 2025
Oct 03, 2025Update On Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 30, 2025
Sep 30, 2025Update On Record DateSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 23, 2025
Sep 23, 2025Corporate Action- Record Date For Interim Dividend If AnySep 23, 2025
Sep 23, 2025Closure of Trading WindowSep 23, 2025
Sep 23, 2025Board Meeting Intimation for Approval Of Audited Financial Results & Audited Financial Statements For The Quarter And Half-Year Ending On September 30 2025 And Declaration Of Interim Dividend If AnySep 23, 2025
Sep 23, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015
Sep 23, 2025
Sep 23, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 17, 2025
Sep 17, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 13, 2025
Sep 13, 2025Update On Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 09, 2025
Sep 09, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 05, 2025
Sep 05, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 04, 2025
Sep 04, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 02, 2025
Sep 02, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Sep 02, 2025
Sep 02, 2025Schedule Of Analyst/ Institutional Investor Meet - IntimationAug 25, 2025
Aug 25, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 22, 2025
Aug 22, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 20, 2025
Aug 20, 2025Update On Disclosure Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 18, 2025
Aug 18, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 14, 2025
Aug 14, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 13, 2025
Aug 13, 2025Communication Sent To Shareholders Regarding Transfer Of Dividend And Equity Shares To Investor Education And Protection Fund (IEPF)Aug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 12, 2025
Aug 12, 2025Disclosure Under Regulation 30 Read With Schedule III And Regulation 46(2) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015Aug 11, 2025
Aug 11, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 04, 2025
Aug 04, 2025Schedule Of Analyst/ Institutional Investor Meet - IntimationJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 19, 2025
Jul 19, 2025Clarification On Audited Financial Results For The Quarter Ended June 30 2025Jul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSJul 16, 2025
Jul 16, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 16, 2025
Jul 16, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 15, 2025
Jul 15, 2025Mutual Fund Holdings
ICICI Prudential Multicap Fund Direct Plan-Growth 
SBI Flexicap Fund Direct-Growth 
HDFC Multi Cap Fund Direct - Growth 
Axis Large Cap Fund Direct-Growth 
Sundaram Large Cap Fund Direct - Growth 
Bandhan Large & Mid Cap Fund Direct-Growth 
Kotak Arbitrage Fund Direct-Growth 
Canara Robeco Equity Hybrid Fund Direct-Growth 
PGIM India Flexi Cap Fund Direct-Growth 
UTI Banking and Financial Services Fund Direct Plan-Growth 
Aditya Birla Sun Life Arbitrage Fund Direct-Growth 
Invesco India Arbitrage Fund Direct-Growth 
Mirae Asset Arbitrage Fund Direct - Growth 
Union Business Cycle Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 59.24
ATR(14)
Less Volatile 41.64
STOCH(9,6)
Neutral 79.41
STOCH RSI(14)
Neutral 72.61
MACD(12,26)
Bullish 7.94
ADX(14)
Weak Trend 21.00
UO(9)
Bearish 40.23
ROC(12)
Uptrend And Accelerating 5.77
WillR(14)
Neutral -25.24
About ICICI Lombard General Insurance
ICICI Lombard General Insurance Company Limited is the largest private-sector non-life insurer in India based on Gross Direct Premium Income. The company offers a diverse range of insurance products including motor, health, travel, personal accident, crop, fire, marine, engineering, and liability insurance. These products are distributed through multiple channels such as direct sales, individual agents, bank partners, corporate agents, brokers, and online platforms. The company serves individual, corporate, and government customers. Incorporated in 2000, ICICI Lombard became publicly listed in 2017, making it the first pure-play general insurance company to list on Indian stock exchanges. As of 2023, the company operates through a network of 305 branches and 917 virtual offices, having issued 32.7 million policies and settled over 3.6 million claims. Its Gross Direct Premium income for 2023 was Rs. 210.25 billion, representing a market share of 8.2% among all non-life insurers and 15.9% among private-sector non-life insurers in India.
Listing Date
27 Sept, 2017(8 Years,
1 days)
Website
Chairperson NameRakesh Jha
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