Life Insurance Corporation Of India — PPTs, 06-11-2025: Investor Presentation

**1. Business Performance:**

LIC delivered a solid performance in H1 FY26. Total Premium Income rose 5.14% to INR 2,45,680 Cr, with Profit After Tax soaring 16.36% to INR 21,040 Cr. Assets Under Management (AUM) grew 3.31% YoY to INR 57,22,896 Cr, showcasing sustained growth despite slight dips in overall market share for premium and policies.

**2. Growth Drivers or Strategy:**

A major driver is the 30.5% surge in Individual Non-Par Annualized Premium Equivalent (APE), highlighting a successful pivot towards more profitable products. Digital transformation remains a core focus, with new platforms like a Datalake and ANANDA 2.0 empowering agents and enhancing customer experience. The vast 14.85 lakh agent network continues to be a formidable strength.

**3. Recent Developments:**

LIC introduced new products like 'Jan Suraksha' and 'Bima Lakshmi'. The 'Bima Sakhi Yojana' has been impactful, appointing 2.57 lakh women agents and generating over INR 1,095 Cr in New Business Premium.

**4. Key Financial Metrics:**

The Solvency Ratio improved to a healthy 2.13 (from 1.98), and the Net Value of New Business (VNB) Margin increased to 17.6% (from 16.2%), indicating better profitability from new business.

**5. Management Commentary / Outlook:**

Management is strategically focused on further consolidating gains in Non-Par products, strengthening alternate distribution channels like Bancassurance, and continuous digital innovation to enhance market presence and optimize investment yields.