BOM:544583 Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Premiums & Annuity Revenue	94,838	78,502	69,326	70,297	58,241	50,264
Total Interest & Dividend Income	24,382	18,164	16,244	13,001	11,763	9,448
Gain (Loss) on Sale of Investments	15,363	15,363	10,068	6,835	13,760	7,360
Other Revenue	-4,512	-5,203	22,508	-5,557	3,011	24,294
Total Revenue	130,071	106,827	118,147	84,576	86,775	91,365
Revenue Growth (YoY)	13.71%	-9.58%	39.69%	-2.53%	-5.03%	192.62%
Policy Benefits	110,217	89,552	102,611	70,234	72,837	79,074
Policy Acquisition & Underwriting Costs	5,975	5,071	4,111	4,135	3,592	2,936
Selling, General & Administrative	9,798	9,798	9,222	8,222	7,051	5,870
Provision for Bad Debts	11.46	17.76	10.35	6.04	1.77	0.77
Other Operating Expenses	1,839	1,066	875.51	914.65	3,153	2,402
Total Operating Expenses	128,617	105,464	116,820	83,498	86,672	90,283
Operating Income	1,454	1,363	1,326	1,078	102.45	1,082
Interest Expense	-81.88	-81.88	-87.5	-79.71	-	-60.94
Pretax Income	1,372	1,281	1,239	998.23	102.45	1,021
Income Tax Expense	132.24	111.64	105.56	86.29	0.01	75
Net Income	1,240	1,170	1,133	911.94	102.44	946.19
Net Income to Common	1,240	1,170	1,133	911.94	102.44	946.19
Net Income Growth	-30.25%	3.23%	24.26%	790.26%	-89.17%	-9.96%
Shares Outstanding (Basic)	945	950	950	950	950	950
Shares Outstanding (Diluted)	945	950	950	950	950	950
EPS (Basic)	1.31	1.23	1.19	0.96	0.11	1.00
EPS (Diluted)	1.31	1.23	1.19	0.96	0.11	1.00
EPS Growth	-29.79%	3.36%	23.97%	790.26%	-89.17%	-9.96%
Free Cash Flow	-	11,963	22,824	25,678	19,799	23,181
Free Cash Flow Per Share	-	12.59	24.02	27.03	20.84	24.40
Dividend Per Share	0.400	0.400	0.200	0.500	0.300	-
Dividend Growth	100.00%	100.00%	-60.00%	66.67%	-	-
Operating Margin	1.12%	1.28%	1.12%	1.27%	0.12%	1.18%
Profit Margin	0.95%	1.09%	0.96%	1.08%	0.12%	1.04%
Free Cash Flow Margin	-	11.20%	19.32%	30.36%	22.82%	25.37%
EBITDA	1,490	1,479	1,442	1,193	268.09	1,212
EBITDA Margin	1.15%	1.38%	1.22%	1.41%	0.31%	1.33%
D&A For EBITDA	36.63	115.37	116.22	115.51	165.64	129.93
EBIT	1,454	1,363	1,326	1,078	102.45	1,082
EBIT Margin	1.12%	1.28%	1.12%	1.27%	0.12%	1.18%
Effective Tax Rate	9.64%	8.71%	8.52%	8.64%	0.01%	7.34%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.