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Life Insurance Corporation of India
Large Cap•98,661 Employees•IPO 2022
Current Price
₹822.30
-10.65 (-1.28%)Updated
Valuation vs Sector
P/E Ratio
9.80vs 19.64
P/B Ratio
3.65vs 2.21
Div Yield
0.49%vs 0.56%
Today's Range
₹820.40
₹834.80
₹822.30
52 Week Range
52W Low₹731.40
52W High₹980.00
₹822.30
Downside12.43%
Upside19.18%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹5,53,215.93 Cr
Market Cap
Total market value of companyP/E Ratio
10.37
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
4.01
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹83.82
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
21.65%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
53.10%
ROCE
Return on Capital Employed. >15% is goodNet Margin
5.61%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
77.92%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
7.31%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
6.00%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
3.91%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
-
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹201.15
Book Value
Net asset value per shareDividend Yield
0.49%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
96.50%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •LICI boasts a remarkably high Return on Equity (ROE) of 45.70% and Return on Capital Employed (ROCE) of 53.10%, significantly exceeding industry averages. This indicates efficient capital utilization and strong profitability.
- •The company's low Price-to-Earnings (PE) ratio of 11.80, compared to peers often above 60, suggests the stock might be undervalued relative to its strong earnings and robust financial performance.
Weaknesses
4 points- •While LICI's quarterly profit shows a positive year-on-year growth of 3.91%, the absolute numbers remain relatively modest compared to its vast market capitalization, requiring sustained substantial growth.
- •LICI's stock price has experienced considerable volatility, fluctuating between a 52-week high of ₹1008 and a low of ₹715. This instability presents significant risk for short-term capital appreciation.
Opportunities
4 points- •The life insurance sector in India is experiencing significant expansion due to increasing financial literacy, rising disposable incomes, and a large underinsured population, presenting substantial growth avenues for LICI.
- •Leveraging digital platforms and expanding its online presence can help LICI reach a wider customer base, streamline operations, and introduce innovative products, enhancing market penetration and efficiency.
Threats
4 points- •The life insurance market is highly competitive with numerous private players offering innovative products and aggressive marketing. This intense competition could pressure LICI's market share and profitability margins.
- •As an insurer, LICI's investment income is sensitive to interest rate changes. A prolonged low-interest rate environment could negatively impact its investment returns and overall profitability.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹860.07 | +₹37.77 | +4.59% |
| R3 | ₹845.67 | +₹23.37 | +2.84% |
| R2 | ₹840.23 | +₹17.93 | +2.18% |
| R1 | ₹831.27 | +₹8.97 | +1.09% |
| PIVOT | ₹825.83 | 3.53 | 0.43% |
| CURRENT | ₹822.30 | - | - |
| S1 | ₹788.07 | -₹34.23 | -4.16% |
| S2 | ₹802.47 | -₹19.83 | -2.41% |
| S3 | ₹811.43 | -₹10.87 | -1.32% |
| S4 | ₹816.87 | -₹5.43 | -0.66% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-60.6% vs avg
7.17L
(06 Mar 2026)Delivery %+18.9% vs avg
62.8%
(06 Mar 2026)Avg Volume (20D)20-day average
1.82M
(06 Feb - 06 Mar)Avg Delivery %Trend ↑
43.9%
(06 Feb - 06 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
SBI Life Insurance Company Ltd
2.04L ₹ Cr
Best Profit Growth
ICICI Prudential Life Insurance Company Ltd
17.90 %
Highest Dividend Yield
ICICI Prudential Life Insurance Company Ltd
0.13 %
Peer Comparison
| Company Name |
|---|
 |
 HDFC Life Insurance Company Ltd |
 ICICI Prudential Life Insurance Company Ltd |
 Max Financial Services Ltd |
 Niva Bupa Health Insurance Company Ltd |
 Religare Enterprises Ltd |
 SBI Life Insurance Company Ltd |
 Star Health & Allied Insurance Company Ltd |
About
Life Insurance Corporation of India
Life Insurance Corporation of India (LIC) is a state-owned insurance company with a significant presence in India and a smaller footprint in Fiji, Mauritius, and the United Kingdom. Its core business is providing a wide range of life insurance products to individuals and groups. The company's long history, dating back to its incorporation in 1956, has established it as a dominant player in the Indian insurance market.
LIC's product portfolio is extensive and caters to diverse customer needs. It offers traditional life insurance plans like endowment plans (which provide a lump sum payment upon maturity or death), whole life plans (offering lifelong coverage), and term insurance plans (providing coverage for a specified period). Money-back plans, which offer periodic payouts during the policy term in addition to a final payout, are also available. In addition to these core products, LIC provides a range of riders that can be added to base policies to enhance coverage. These riders often cover additional risks such as accidental death and disability, critical illnesses, and premium waiver in case of disability.
Beyond traditional life insurance, LIC also offers a variety of other financial products. These include pension plans, designed to provide a regular income stream during retirement; unit-linked insurance plans (ULIPs), which combine insurance coverage with investment options; micro-insurance plans, targeted at low-income individuals; and withdrawal plans that allow policyholders to access funds during the policy term. The company also provides health insurance plans and various group insurance schemes catering to the needs of employers and employees.
LIC's geographical reach, while primarily focused on India, extends to several other countries, demonstrating a commitment to international expansion. However, its core market and the majority of its business remain firmly rooted in India, where it continues to play a significant role in the country's financial landscape and provides essential life insurance coverage to a vast population.
COMPANY FACTS - LICI
Registered Address
Jeevan Bima Marg, P.O. Box No 19953, Yogakshema Building
Mumbai
MAHARASHTRA
IN
Tel: 912266598732
Website:https://www.licindia.in/
Investor Relations:http://licindia.in/Investor-Relations/Financial-Details
Company Details
Group: Insurance
Sector: Financials
Industry: Insurance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 98,661
IPO Date: 17/05/2022
MANAGEMENT - LICI
Shri. Dinesh Pant
Managing Director
Shri. Doraiswamy Ramchandran
Chief Executive Officer, Managing Director, Executive Director
Shri. Sunil Agrawal
Chief Financial Officer
Shri. Ramakrishnan Chander
Chief Investment Officer, Executive Director
Mr. Anshul Singh
Compliance Officer, Company Secretary
Shri. Krishna Sukumaran Nair
Chief Compliance Officer, Executive Director (CG/GJF/RC)
Shri. Shatmanyu Shrivastava
Chief Risk Officer, Executive Director
Shri. Ratnakar Patnaik
Managing Director
Shri. Ajay Srivastava
Appointed Actuary, Executive Director
Dr. Parshant Goyal
Government Nominee Director
Smt. Anjuly Duggal
Non-Executive Independent Director
Shri. Raj Kamal
Non-Executive Independent Director
Investor Questions Answered
Life Insurance Corporation of India (LICI) Stock FAQs
Get answers to the most common questions about Life Insurance Corporation of India stock price, fundamentals, financial metrics, and investment analysis
The current share price of Life Insurance Corporation of India (LICI) is ₹822.3. Today, the stock has declined by ₹10.65 (1.28%), trading in a range of ₹820.4 to ₹834.8. The stock opened at ₹831 with a trading volume of 7,17,210 shares.
Life Insurance Corporation of India can be considered for long-term investment based on several factors. The company has a market capitalization of ₹5,53,215.93 crores, P/E ratio of 10.37, ROE of 21.65%, and ROCE of 53.10%. The dividend yield stands at 0.49%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Life Insurance Corporation of India (LICI) is ₹980, while the 52-week low is ₹731.4. Currently trading at ₹822.3, the stock is 36.6% away from its 52-week low and 16.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Life Insurance Corporation of India stock at ₹822.3 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.37 and P/B ratio of N/A. Today's performance shows a loss of 1.28%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Life Insurance Corporation of India offers a dividend yield of 0.49%, which means for every ₹100 invested at the current price of ₹822.3, you can expect to receive approximately ₹0.49 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Life Insurance Corporation of India's key financial metrics include: P/E Ratio: 10.37, P/B Ratio: N/A, ROE: 21.65%, ROCE: 53.10%, Dividend Yield: 0.49%, EPS: ₹83.82, Book Value: ₹201.15, Debt-to-Equity: 0.00, and Current Ratio: N/A. The company's market cap stands at ₹5,53,215.93 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Life Insurance Corporation of India stock opened at ₹831 and is currently trading at ₹822.3, showing a decline of ₹10.65 (1.28%). The intraday high is ₹834.8 and low is ₹820.4. The trading volume stands at 7,17,210 shares, indicating moderate market participation today.
Life Insurance Corporation of India has a Price-to-Earnings (P/E) ratio of 10.37, which means investors are willing to pay ₹10.37 for every ₹1 of earnings. With an EPS of ₹83.82, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Life Insurance Corporation of India has a market capitalization of ₹5,53,215.93 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹822.3) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Life Insurance Corporation of India has a book value of ₹201.15 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹822.3, which is 308.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Life Insurance Corporation of India has a Return on Equity (ROE) of 21.65% and Return on Capital Employed (ROCE) of 53.10%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. Both metrics are strong, indicating efficient capital utilization. Higher percentages generally indicate better financial performance.
Life Insurance Corporation of India operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Life Insurance Corporation of India has a debt-to-equity ratio of 0.00, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Life Insurance Corporation of India has an Earnings Per Share (EPS) of ₹83.82, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹822.3 and P/E ratio of 10.37, investors are paying 10.37 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Life Insurance Corporation of India has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Life Insurance Corporation of India has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Life Insurance Corporation of India stock, consider: 1) Fundamental Analysis - Review P/E (10.37), ROE (21.65%), debt-to-equity (0.00), and growth rates. 2) Technical Analysis - Check 52-week range (₹731.40 - ₹980.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹822.30) with book value (₹201.15) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Life Insurance Corporation of India share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹822.3 is 8123x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Life Insurance Corporation of India carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹731.40 - ₹980.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.00 indicates leverage. 4) Liquidity Risk - Based on trading volume of 7,17,210 shares. 5) Valuation Risk - P/E of 10.37 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Life Insurance Corporation of India operates in the industry with key metrics: P/E ratio of 10.37, ROE of 21.65%, market cap of ₹5,53,215.93 crores, and dividend yield of 0.49%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.00), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Life Insurance Corporation of India vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹822.3, with a 52-week range of ₹731.40 to ₹980.00. Based on fundamentals like P/E (10.37), ROE (21.65%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Life Insurance Corporation of India stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹822.30. 2) Fundamental Deterioration - Declining ROE (currently 21.65%), increasing debt (D/E: 0.00), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Life Insurance Corporation of India stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.49%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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