BOM:540133 Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Premiums & Annuity Revenue	513,356	472,594	417,597	385,595	363,213
Total Interest & Dividend Income	120,212	117,972	108,543	93,390	83,904
Gain (Loss) on Sale of Investments	-602.4	218,014	154,006	6,341	170,743
Other Revenue	3,886	-98,151	222,997	8,905	4,925
Total Revenue	636,851	710,429	903,143	494,231	622,785
Revenue Growth (YoY)	-10.36%	-21.34%	82.74%	-20.64%	-25.17%
Policy Benefits	518,794	597,539	806,450	411,071	551,727
Policy Acquisition & Underwriting Costs	51,811	48,594	37,220	18,639	16,729
Selling, General & Administrative	4,941	40,135	41,682	46,028	36,909
Provision for Bad Debts	584.9	199.4	46.1	82.51	-31.3
Other Operating Expenses	26,341	7,005	6,638	6,743	7,020
Total Operating Expenses	621,262	693,473	892,036	482,564	612,354
Operating Income	15,589	16,956	11,107	11,667	10,431
Interest Expense	-	-1,138	-823.2	-822	-822
Other Non Operating Income (Expenses)	-	-0.2	-	-	-
EBT Excluding Unusual Items	15,589	15,818	10,283	10,845	9,609
Pretax Income	15,589	15,818	10,283	10,845	9,609
Income Tax Expense	-489.9	3,963	1,777	2,710	2,017
Net Income	16,079	11,855	8,507	8,135	7,592
Net Income to Common	16,079	11,855	8,507	8,135	7,592
Net Income Growth	35.63%	39.37%	4.57%	7.15%	-20.60%
Shares Outstanding (Basic)	1,460	1,444	1,440	1,438	1,437
Shares Outstanding (Diluted)	1,470	1,453	1,445	1,440	1,443
Shares Change (YoY)	1.13%	0.57%	0.33%	-0.19%	0.30%
EPS (Basic)	11.01	8.21	5.91	5.66	5.28
EPS (Diluted)	10.94	8.16	5.89	5.65	5.26
EPS Growth	34.07%	38.54%	4.25%	7.41%	-20.90%
Free Cash Flow	-54,778	-96,716	-75,517	-1,032	16,424
Free Cash Flow Per Share	-37.27	-66.55	-52.26	-0.72	11.38
Dividend Per Share	1.650	0.850	0.600	0.600	0.550
Dividend Growth	94.12%	41.67%	-	9.09%	-72.50%
Operating Margin	2.45%	2.39%	1.23%	2.36%	1.68%
Profit Margin	2.53%	1.67%	0.94%	1.65%	1.22%
Free Cash Flow Margin	-8.60%	-13.61%	-8.36%	-0.21%	2.64%
EBITDA	16,489	17,753	11,792	12,198	10,899
EBITDA Margin	2.59%	2.50%	1.31%	2.47%	1.75%
D&A For EBITDA	899.73	796.9	684.9	530.76	467.39
EBIT	15,589	16,956	11,107	11,667	10,431
EBIT Margin	2.45%	2.39%	1.23%	2.36%	1.68%
Effective Tax Rate	-	25.05%	17.28%	24.99%	20.99%

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.