Effective from October 1, 2024, long-term products are based on 1/N and are in accordance with Irdai’s requirements, so the 4th quarter and FY2025 are incomparable to previous years.
· The company’s total direct premium income (GDPI) was Rs 26,833 crore in fiscal 2025, compared with Rs 2,476 crore in fiscal 2024, up 8.3%, higher than the industry’s growth of 6.2%. Excluding the impact of 1/N accounting specifications, the company’s GDP grew 11.0% in fiscal 2025, higher than the industry’s growth of 8.6%.
The company’s OGDPI was 61.1 billion rupees in the fourth quarter of FY 4025 and 6073 million rupees in the fourth quarter of FY 4024, up 2.3%, while the industry growth rate was 1.7%.
· The consolidation ratio was 102.8% in fiscal 2025, compared with 103.3% in fiscal 2024. In addition to the impact of cat losses of Rs 940 crore in fiscal 2025 and Rs 1.37 crore in fiscal 2024, the combined ratios were 102.4% and 102.5%, respectively.
oThe merger ratio was 102.5% in the 4th quarter fiscal year, compared with 102.3% in the 4th quarter.
· Profit before tax (PBT) rose 30.0% to Rs 33.21 crore in fiscal 2025, compared with Rs 25.555 crore in fiscal 2024.
o PBT DE-GREW was 4.2% in the 4th quarter of FY 4025 to Rs 668 crore, compared with Rs 698 crore in the 4th quarter.
oIn fiscal year 2025, capital gains were Rs 802 crore, compared with Rs 551 crore in fiscal year 2024. In the fourth quarter of fiscal 2025, capital gains were Rs 4.06 crore, which was Rs 1.56 crore in the fourth quarter of fiscal 4.
· As a result, after-tax profit (PAT) rose 30.7% to Rs 2508 crore in fiscal 2025, compared with Rs 19.19 crore in fiscal 2024.
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· The company’s board of directors proposes a final dividend of Rs 7.00 per share in fiscal 2025. The payment was approved by shareholders at the subsequent annual general meeting of the company. The total dividend (including the proposed final dividend) for fiscal 2025 is Rs 12.50 per share.
· In fiscal 2025, the average return on equity was 19.1%, compared with 17.2% in fiscal 2024.
O ROAE was 14.5% in the 4th quarter of the 4th quarter, compared with 17.8% in the 4th quarter of the 2014 fiscal year.
· As of March 31, 2025, the solvency ratio was 2.69 times, while as of December 31, 2024, the solvent ratio was 2.36 times, higher than the minimum regulatory requirement of 1.50 times. As of March 31, 2024, the solvency ratio was 2.62 times.
