ICICI LOMBARD Q2 PROFIT SOARS BY 27.5%, Interim Dividend of ₹7.00
MUMBAI, 15 OCTOBER: ICICI LOMBARD declared Q2 results. Gross Direct Premium Income (GDPI) of the Company, was at ₹ 151.10 billion in H1 FY2027 compared to ₹ 143.31 billion in H1 FY2026, a growth of 5.4%, as against the industry growth of 8.9%. Excluding Crop and Mass Health, GDPI growth of the Company was at 10.4%, as against the industry growth of 12.6% in H1 FY2027.
- Gross Direct Premium Income (GDPI) of the Company, was at ₹ 67.92 billion in Q2 FY2027 compared to ₹ 65.96 billion in Q2 FY2026, a growth of 3.0%, as against the industry growth of 7.0%. Excluding Crop and Mass Health, GDPI growth of the Company was at 13.9%, as against the industry growth of 13.2% in Q2 FY2027.
- On “n” basis, our Combined Ratio was 105.2% for H1 FY2027 as against 103.0% for H1FY2026. Excluding the impact of CAT losses of ₹ 1.18 billion in H1 FY2027 and ₹ 0.73 billion in H1 FY2026, the Combined ratio was 104.2% and 102.3% respectively.
- Combined ratio, on n basis, was 104.5% in Q2 FY2027 as against 103.9% in Q2 FY2026. Excluding the impact of CAT losses of ₹ 1.18 billion in Q2 FY2027 and ₹ 0.73 billion in Q2 FY2026, the Combined ratio was 102.7% and 102.6% respectively.
- Investment income was at ₹ 15.54 billion in Q2 FY2027 as against ₹ 12.49 billion in Q2 FY2026.
- Capital gains stood at ₹ 4.53 billion in Q2 FY2027 as compared to ₹ 2.36 billion in Q2 FY2026.
- On “n” basis, Profit after tax (PAT) grew by 27.5% to ₹ 10.31 billion in Q2 FY2027 from ₹ 8.09 billion in Q2 FY2026. Return on Average Equity (RoAE) was at 23.7% in Q2 FY2027 compared to 21.3% in Q2 FY2026.
- The Board of Directors of the Company has declared interim dividend of ₹ 7.00 per share for H1 FY2027 as against ₹ 6.50 per share for H1 FY2026.
- On “n” basis, Solvency ratio was at 2.74x as at September 30, 2026 as against 2.68x as at June 30, 2026 which was higher than the minimum regulatory requirement of 1.50x.
Operating Performance (on n basis) Ratios:
| Financial Indicators | Q2 FY2026 | Q2 FY2027 | H1 FY2026 | H1 FY2027 | FY2026 |
| RoAE – Annualised | 21.3% | 23.7% | 20.7% | 16.8% | 17.9% |
| Combined Ratio (CoR) | 103.9% | 104.5% | 103.0% | 105.2% | 102.4% |
| CoR excluding CAT losses | 102.6% | 102.7% | 102.3% | 104.2% | 102.1% |
(Disclaimer: The information provided here is investment advice only. Investing in the markets is subject to risks and please consult your advisor before investing)
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