LIC’s Q3 standalone net profit up 17% at ₹12,958 cr

In the reporting quarter, net premium income was up 17.5% y-o-y at ₹1,25,613 crore.

Life Insurance Corporation of India (LIC) announced a 17% year-on-year rise in standalone net profit for Q3, reaching ₹12,958 crore. This growth was supported by strong premium collections and investment returns.

The insurer had posted a net profit of ₹11,056 crore during the same period in the previous financial year.

Senior executives confirmed LIC will adopt a measured approach regarding potential entry into health insurance through strategic investments. The corporation also revealed plans to enhance returns from its extensive real estate portfolio—valued at approximately ₹45,000 crore—by increasing rental streams and evaluating REIT structures.

Premium income up

Net premium earnings climbed 17.5% to ₹1,25,613 crore during the quarter. Investment income rose by 14% to ₹1,07,608 crore.

Operating expenditures increased 8% to ₹15,576 crore, while net benefit payments grew 20% to ₹1,13,283 crore. Actuarial liability adjustments expanded by 14.6% to ₹91,561 crore.

The corporation’s Assets Under Management (AUM) stood at ₹59,16,680 crore as of December 31, 2025—an 8.01% increase from ₹54,77,651 crore recorded a year earlier.

R Doraiswamy, CEO & MD, highlighted the expanding contribution of Banca and alternative distribution channels in LIC’s individual new business premium mix. “We remain optimistic about our growth trajectory across all business segments,” he stated.

Dinesh Pant, MD, emphasized that favorable equity market conditions enabled profit realization without compromising portfolio fundamentals. “Our holdings have outperformed broader market gains over the past nine months,” Pant noted.

Equity-related profits totaled approximately ₹24,000 crore during Q3FY26, compared to ₹20,000 crore in the prior-year quarter.

Published on February 5, 2026