Track ICICI Lombard GIC live share price with 52 week high and low, chart views, quick fundamentals, insurance business segments, financial highlights, shareholding, ratios, peer comparison, dividends, bonuses/splits and beginner-friendly FAQs.
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ICICI Lombard General Insurance Company Ltd is a private sector general insurer in India. The company provides risk protection products for individuals, families, businesses and institutions across motor, health, travel, home, crop, fire, marine, engineering, liability and other non-life insurance categories.
For customers, the company is mainly relevant as an insurer that helps transfer financial risk from unexpected events such as vehicle accidents, hospitalisation, travel disruption, property damage and business losses. For investors, it is a listed insurance business whose performance depends on premium growth, underwriting quality, investment returns, regulatory capital and claims experience.
Unlike a bank or a lending company, a general insurer must carefully price risk, pay valid claims, maintain reserves and hold solvency capital. This is why investors track insurance-specific metrics such as gross direct premium income, combined ratio, claim ratio, expense ratio, solvency ratio, return on equity and investment income.
A general insurance company collects premiums first and pays claims later. The company’s value is influenced by how well it prices policies, controls claims and expenses, invests float, maintains solvency and grows distribution without taking excessive underwriting risk.
ICICI Lombard GIC earns revenue primarily through insurance premiums. After collecting premiums, it pays claims, incurs operating expenses, buys reinsurance where required and invests funds within regulatory limits. Underwriting profit improves when premiums are adequate for the risks insured and claims plus expenses remain controlled.
The company also earns investment income from its investment portfolio. In general insurance, investment income can be important because premium money may be invested before claims are paid. However, investment returns can fluctuate with interest rates and capital markets, so underwriting discipline remains a key long-term monitorable.
Retail investors should understand that premium growth alone is not enough. A company can grow fast but still face pressure if claim ratios rise, pricing is weak, catastrophes increase or expenses grow faster than premiums.
ICICI Lombard serves both retail and commercial customers. The table below explains the main insurance lines in simple language and the factors investors usually monitor.
| Segment | Customer need | What investors monitor |
|---|---|---|
| Motor insurance | Covers cars, two-wheelers and commercial vehicles against third-party and own-damage risks. | Vehicle sales, renewals, claim frequency, pricing discipline and repair inflation. |
| Health insurance | Covers hospitalisation, medical expenses and group health needs for individuals and employers. | Medical inflation, claim ratios, retail health growth, group pricing and network hospital costs. |
| Commercial lines | Includes fire, marine, engineering, liability and other business risk covers. | Corporate activity, catastrophe exposure, reinsurance pricing and underwriting discipline. |
| Travel, home and personal accident | Provides protection for travel disruption, home risks and accident-related financial loss. | Distribution reach, digital conversion, claim experience and product relevance. |
| Crop, rural and government-linked covers | Supports agriculture and rural risk protection where applicable. | Tender participation, weather losses, policy design and regulatory framework. |
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Gross Direct Premium Income | ₹24,776 Cr | ₹26,833 Cr | ₹28,712 Cr |
| Revenue / Sales | ₹20,572 Cr | ₹23,961 Cr | ₹26,994 Cr |
| Expenses | ₹17,918 Cr | ₹20,554 Cr | ₹23,264 Cr |
| Operating Profit | ₹2,654 Cr | ₹3,407 Cr | ₹3,731 Cr |
| Operating Margin | 13% | 14% | 14% |
| Profit Before Tax | ₹2,555 Cr | ₹3,321 Cr | ₹3,659 Cr |
| Net Profit / PAT | ₹1,919 Cr | ₹2,508 Cr | ₹2,772 Cr |
| EPS | ₹38.94 | ₹50.60 | ₹55.61 |
| Dividend Payout | 28% | 25% | 24% |
Insurance accounting presentation can change due to regulation and disclosure format. Verify the latest annual report, quarterly results and investor presentation before using financial figures.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Equity Capital | ₹493 Cr | ₹496 Cr | ₹498 Cr |
| Reserves | ₹11,712 Cr | ₹13,989 Cr | ₹16,135 Cr |
| Borrowings | ₹35 Cr | ₹0 Cr | ₹0 Cr |
| Other Liabilities | ₹51,068 Cr | ₹54,660 Cr | ₹59,477 Cr |
| Total Liabilities | ₹63,308 Cr | ₹69,145 Cr | ₹76,111 Cr |
| Fixed Assets | ₹930 Cr | ₹728 Cr | ₹834 Cr |
| Investments | ₹48,584 Cr | ₹53,508 Cr | ₹58,338 Cr |
| Other Assets | ₹13,700 Cr | ₹14,835 Cr | ₹16,851 Cr |
| Total Assets | ₹63,308 Cr | ₹69,145 Cr | ₹76,111 Cr |
For insurers, investments, reserves, liabilities and solvency are especially important. Always cross-check the latest balance sheet with the company’s annual report and public disclosures.
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Cash from Operating Activity | ₹2,407 Cr | ₹1,147 Cr | ₹2,622 Cr |
| Cash from Investing Activity | -₹1,921 Cr | -₹1,137 Cr | -₹1,733 Cr |
| Cash from Financing Activity | -₹355 Cr | -₹257 Cr | -₹336 Cr |
| Net Cash Flow | ₹131 Cr | -₹247 Cr | ₹554 Cr |
| Free Cash Flow | ₹2,217 Cr | ₹918 Cr | ₹2,380 Cr |
| CFO / Operating Profit | 115% | 57% | 105% |
Cash flow for insurers can be affected by premium collections, claim payments, investment purchases/sales and regulatory accounting. Use it with profit, solvency and underwriting ratios rather than in isolation.
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Return on Average Equity | 17.2% | 19.1% | 17.8% |
| Solvency Ratio | 2.62x | 2.69x | 2.67x |
| Combined Ratio | 103.3% | 102.8% | 103.4% |
| Book Value Per Share | ₹242.76 | ₹288.53 | ₹337.94 |
| Basic EPS | ₹39.03 | ₹50.74 | ₹55.74 |
| Compounded Sales Growth | 10Y: 16% | 5Y: 17% | 3Y: 15% |
| Compounded Profit Growth | 10Y: 18% | 5Y: 12% | 3Y: 14% |
| Dividend Payout | 28% | 25% | 24% |
Combined ratio, solvency ratio and return on average equity are key insurance-specific ratios. Verify the latest ratio definitions and calculation basis from official company disclosures.
Peers below include listed general insurance, health insurance, reinsurance and broader insurance companies. Business models are not identical, so compare them carefully and avoid treating every insurer as a direct substitute.
| Company | Symbol | Price | Market Cap | P/E | P/B | Dividend Yield | Peer type |
|---|---|---|---|---|---|---|---|
| ICICI Lombard GIC | ICICIGI.NS | — | — | — | — | — | General insurance |
| The New India Assurance | NIACL.NS | — | — | — | — | — | General insurance |
| General Insurance Corporation of India | GICRE.NS | — | — | — | — | — | Reinsurance |
| Star Health and Allied Insurance | STARHEALTH.NS | — | — | — | — | — | Health insurance |
| SBI Life Insurance | SBILIFE.NS | — | — | — | — | — | Life insurance peer |
| Life Insurance Corporation of India | LICI.NS | — | — | — | — | — | Life insurance peer |
Peer prices and valuation ratios can move quickly. Check current market data and the latest financial filings before drawing conclusions.
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Dividend information should be checked from the latest board recommendation, record date and exchange filing. | Public summaries have shown recent annual dividend activity; verify exact entitlement before relying on it. |
| FY 2024-25 | Dividend payout ratio shown near 25% in yearly financial snapshots. | Confirm per-share dividend, record date and payment date from NSE, BSE and company announcements. |
| FY 2023-24 | Dividend payout ratio shown near 28% in yearly financial snapshots. | Past dividends do not guarantee future dividends. |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No bonus issue is added to this educational snapshot. | Verify the latest bonus history from exchange filings before using it. |
| Stock Split | No stock split is added to this educational snapshot. | Verify split and face value history from NSE, BSE and the company. |
| Face Value | ₹10.00 | Face value can change after a split or consolidation; check official exchange master data. |
Dividends, bonus issues, stock splits, record dates and ex-dates must be verified from official NSE, BSE and company filings. This section is informational and may not reflect the latest corporate action.
These FAQs help users understand ICICI Lombard GIC beyond the share price, including products, claims, business model, risks, ratios, dividends and investment monitorables.
ICICI Lombard General Insurance Company Ltd is a listed Indian general insurance company. It sells non-life insurance products such as motor, health, travel, home, fire, marine, liability, crop and commercial insurance. Its customers include individuals, families, small businesses and large corporates.
The Yahoo Finance compatible NSE symbol used on this page is ICICIGI.NS. The exchange symbol is ICICIGI on NSE and the BSE code is 540716. Always verify identifiers and corporate actions from NSE, BSE and company filings before using them for transactions.
The company earns premiums from insurance policies and invests the policyholder and shareholder funds as allowed by insurance regulations. Profitability depends on premium growth, claim costs, expense control, investment income, underwriting discipline, reinsurance arrangements and solvency capital.
Common product areas include car insurance, two-wheeler insurance, health insurance, travel insurance, home insurance, personal accident insurance and commercial covers such as fire, marine, engineering, liability and group health. Product availability, features and pricing can change, so customers should check the official company website or policy wording.
Customers can usually buy or renew eligible policies through the official ICICI Lombard website, mobile app, authorised partners, branches or service channels by entering policy details, selecting coverage and completing payment. Customers should compare coverage, exclusions, deductibles, waiting periods and claim conditions before buying.
A claim generally starts with claim intimation, document submission, verification, survey or medical review where applicable, and settlement as per policy terms. The exact process differs for motor, health, travel, commercial and other insurance products. Customers should read policy wording and use official claim channels.
Combined ratio measures claims and expenses compared with premiums. A lower ratio generally indicates better underwriting performance. For general insurers, investors track combined ratio along with premium growth, solvency ratio, investment income, claim trends and return on equity.
Solvency ratio shows the insurer’s capital strength compared with regulatory requirements. A stronger solvency ratio gives the company more ability to absorb underwriting shocks, claim volatility and growth needs. Investors should verify the latest solvency number from quarterly public disclosures and annual reports.
No. ICICI Lombard GIC is a separately listed general insurance company. ICICI Bank is part of the promoter group, but the insurer has its own listed equity, financial statements, insurance operations, regulatory disclosures and risk profile.
Key risks include higher claim ratios, adverse weather or catastrophe losses, motor and health pricing pressure, regulatory changes, competition, investment market volatility, reserving changes, reinsurance costs, distribution concentration and slower premium growth.
ICICI Lombard has paid dividends in past years, but future dividends depend on profits, solvency position, board approval, shareholder approval where applicable and regulatory rules. Investors should verify the latest dividend amount, record date and payment date from official exchange filings.
Public corporate action summaries indicate no bonus issue or stock split in recent history, while the face value is commonly shown as ₹10. Investors should verify the latest bonus, split and face value details from NSE, BSE and company announcements.
Beginners can monitor live price, 52 week high and low, premium growth, combined ratio, solvency ratio, claim trends, expense ratio, investment income, return on equity, market share, dividends, shareholding changes and official quarterly disclosures.
No. This page is educational and informational. It helps users understand the business, financials and monitorables. It does not provide buy, sell or hold recommendations. Investors should do their own research or consult a qualified financial adviser.
