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20 Dec, EOD - Indian

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BSE Code : | NSE Symbol : | ISIN : | Industry : |

Quarterly Results

Particulars (₹ Cr)	Sep 2024	Jun 2024	Mar 2024	Dec 2023
OPERATING RESULTS :
Gross premiums Written:	7738.28	5398.52	10735.87	7297.5
(a) First Year Premium	2,010.85	1,247.45	2,605.32	1,763.91
(b) Renewal Premium	4,722.88	3,323.26	6,682.76	4,608.48
(c) Single Premium	1,004.55	827.81	1,447.79	925.11
(d) Other Gross Premiums	0.00	0.00	0.00	0.00
Net premium written	0.00	0.00	0.00	0.00
Premium Earned(Net)	7,580.02	5,229.64	10,606.78	7,170.32
Income from investments (Net) (Insurance)	5,582.35	6,358.98	4,132.84	5,044.65
Other income (Insurance)	17.50	20.66	23.16	24.54
Foreign Exchange Gain/(Loss)	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00
Miscellaneous Income	17.50	20.66	23.16	24.54
Transfer of fund from Shareholders' A/c	95.29	34.49	53.58	43.41
Total Income	13,275.16	11,643.77	14,816.36	12,282.92
Commission & Brokerage (net) :
(a) First Year Commission	596.21	356.84	746.54	488.47
(b) Renewal Commission	115.52	76.56	163.87	110.26
(c) Single Commission	35.89	19.06	23.55	16.47
(d) Other Commission	0.00	0.00	0.00	0.00
Net Commission	747.62	452.46	933.96	615.20
Operating Expenses related to insurance business (ab)	1,193.15	967.34	1,308.24	1,003.04
(a) Employees remuneration and welfare expenses	694.72	557.61	728.27	572.14
(c) Advertisements	179.92	128.39	158.73	138.74
(d) Business development expenses	0.00	0.00	0.00	0.00
(e) Other operating expenses·	318.51	281.34	421.24	292.16
Premium Deficiency	0.00	0.00	0.00	0.00
Incurred Claims: -	11,082.17	10,015.32	12,488.13	10,417.05
(a) Claims Paid / Benefit Paid	4,205.18	3,625.81	4,379.98	3,138.04
(b) Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00
(c) Changes in Actuarial Liabilities	6,876.99	6,389.51	8,108.15	7,279.01
Total Expense	13,022.94	11,435.12	14,730.33	12,035.29
Underwriting Profit/Loss	-5,442.92	-6,205.48	-4,123.55	-4,864.97
Provisions for doubtful debts (Including bad debts written off)	0.82	1.03	0.15	0.76
Provisions for diminution In value of investments	16.27	0.00	0.00	-1.59
Provisions for goods and service tax / service tax charge on linked charges	63.36	53.89	61.19	53.34
Provision for tax	0.00	0.00	0.00	0.00
Total Expenses Including Provisions	13,103.39	11,490.04	14,791.67	12,087.80
Operating Profit/Loss:	171.77	153.73	24.69	195.12
Appropriations	171.77	153.73	24.69	195.12
(a) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00
(b) Transfer to Reserves / Shareholders' A/c	78.27	63.35	-96.35	154.60
(c) Fund for Future Appropriations	93.50	90.38	121.04	40.52
Detail of Surplus / Deficit :
(a) Interim Bonus Paid	0.55	0.88	1.12	1.09
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00
(c) Allocation of bonus to Policyholders	12.40	1,878.92	31.18	64.82
(d) Surplus Shown in the Revenue A/c	171.78	153.73	24.68	195.12
Total Surplus / Deficit	184.73	2,033.53	56.98	261.03
NON OPERATING RESULTS
Income in Shareholders' account (abc)	226.88	199.23	8.12	248.82
(a) Transfer from Policyholders' Fund	78.27	63.35	-96.35	154.60
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00
(c)Total Income Under Shareholders' account (bc)	148.61	135.88	104.47	94.22
Income from investments	145.99	133.40	102.35	91.76
Other income	2.62	2.48	2.12	2.46
Expenses :
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00
Expenses other than those related to insurance business	15.32	13.98	15.45	30.72
Transfer of fund to Policyholders' A/c	95.29	34.49	53.58	43.41
Provisions for doudtful debts (including bad debts written off)	0.00	0.00	0.00	0.00
Provisions for diminution in value of Investments / Amortisation of premium on investments	-0.04	0.00	0.00	-0.63
Total Expenses	110.57	48.47	69.03	73.50
Profit/Loss before Extraordinary items	116.31	150.76	-60.91	175.32
Extraordinary Items before tax	0.00	0.00	0.00	0.00
Profit/(loss) before tax	116.31	150.76	-60.91	175.32
Provisions for tax	15.84	20.43	-9.61	23.14
Profit/(loss) after tax	100.47	130.33	-51.30	152.18
Extraordinary Items	0.00	0.00	0.00	0.00
Net Profit	100.47	130.33	-51.30	152.18
Dividend per share (Rs)	0.00	0.00	0.00	0.00
(a) Interim Dividend	0.00	0.00	0.00	0.00
(b) Final Dividend	0.00	0.00	0.00	0.00
Opening Balance and Appropriations from PAT (Net)	0.00	0.00	0.00	0.00
Profit/ (Loss) carried to Balance Sheet	2,037.97	1,947.42	1,816.96	1,868.26
Paid up equity share capital	2,061.39	2,061.39	1,918.81	1,918.81
Reserve & Surplus (excluding Revaluation Reserve)	3,748.74	3,623.54	2,018.37	2,061.88
Fair Value Change Account and Revaluation Reserve	151.03	98.79	61.07	52.42
Face Value	10.00	10.00	10.00	10.00
Total Assets:
(a) Investments:	1,70,143.70	1,61,153.15	1,50,835.52	1,42,620.81
- Shareholders' Fund	7,561.93	7,255.02	5,848.40	5,271.05
- Policyholders' Fund	1,12,187.17	1,06,464.57	1,00,807.84	95,222.71
- Assets held to cover linked liabilities	50,394.60	47,433.56	44,179.28	42,127.05
(b) Other Assets (Net of current liabilities and provisions)	1,855.95	1,975.24	2,986.11	2,038.66
Nominal Value Per Share	0.00	0.00	0.00	0.00
Analytical Ratios:
Solvency Ratio	198.00	203.00	172.00	179.00
Expenses of Management Ratio	25.00	26.00	21.00	22.00
Policyholder's Liabilities to Shareholder's fund	2,831.00	2,754.00	3,812.00	3,539.00
Incurred Claim Ratio	0.00	0.00	0.00	0.00
Net retention ratio	0.00	0.00	0.00	0.00
Combined ratio:	0.00	0.00	0.00	0.00
Adjusted Combined Ratio	0.00	0.00	0.00	0.00
Earnings per share (in Rs):
(a) Basic EPS	0.49	0.64	-0.27	0.79
(b) Diluted EPS	0.49	0.64	-0.27	0.79
NPA ratios:
a) Gross NPAs	0.00	0.00	0.00	0.00
b) Net NPAs	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.00	0.00	0.00	0.00
(%) Net Non Performing Assets	0.00	0.00	0.00	0.00