LIC Share Price Falls Over 4% Post Q2 FY27 Earnings Results: Net Profit Up 20% YoY

On November 5, 2026, Life Insurance Corporation of India (LIC) announced its reviewed consolidated financial results for the quarter and six months ended September 30, 2026, as per the exchange filings.  

The corporate updates were released alongside its analyst call presentation on November 5, 2026. 

LIC Q2 FY27 Earnings Results 

The net premium income of the life insurer increased 16.2% year on year to ₹1,47,433.15 crore in the September 2026 quarter, compared to ₹1,26,930.04 crore in the corresponding period of the previous year.  

On a quarter on quarter basis, this represents a 15.5% growth from ₹1,27,623.16 crore recorded in the June 2026 quarter.  

Net profit for the September 2026 quarter went up 20.0% year on year to ₹12,114.78 crore from ₹10,098.48 crore a year ago, though it declined 10.8% sequentially from ₹13,584.25 crore. 

Half Yearly Financial Performance 

For the half year ended September 30, 2026, the net premium income went up 11.6% year on year to ₹2,75,056.31 crore from ₹2,46,548.45 crore. The net profit for the same six month period rose 22.1% year on year to ₹25,699.03 crore against ₹21,055.53 crore in the previous year.  

FY26 Financial Performance 

In the full fiscal year 2026, the net premium income stood at ₹5,37,603.79 crore and net profit reached ₹57,453.15 crore. 

Product Portfolio and Actuarial Value Metrics 

The corporation operates a portfolio consisting of 60 offerings as of September 30, 2026, which includes 38 individual products, 13 group products, and 8 riders. New products like LIC’s New Jeevan Sathi and Bima Platinum were added in the first half of fiscal year 2027, followed by 3 individual risk and annuity plans launched on October 19, 2026. 

The Indian Embedded Value grew 1.04% from March 2026 to reach ₹7,97,378 crore by September 2026, including an adjusted net worth of ₹1,84,064 crore. Annualized Premium Equivalent totals reached ₹30,696 crore for the first half of fiscal year 2027. The Net Value of New Business grew 33.95% to ₹6,846 crore, resulting in a 22.3% margin. 

Read More: LG Electronics India Share Price Jumps Over 6% as Q2FY27 Revenue Rises 19.5%, PAT Grows 25.7%! 

Distribution Operations and Digital Innovation 

The distribution architecture includes 8 zonal offices, 113 divisional offices, and 2,130 branch offices. The agency force consists of 14,52,000 agents, accounting for 43.70% of the insurance industry, with over 55% of these exclusive agents holding a vintage tenure exceeding 5 years. A total of 2,86,000 agents were trained during the first half of fiscal year 2027. 

On the technological side, individual policies under the ANANDA application grew to represent 17.48% of total individual policies. Digital collections via NACH and direct debit processed 33.49% of transactions, while the customer application maintained a user rating of 4.44 out of 5. The entity holds a Guinness World Record for selling 5,88,107 life insurance policies within 24 hours. 

Life Insurance Corporation of India Share Price Performance  

As of November 06, 2026, at 12:13 PM, Life Insurance Corporation of India share price on NSE was trading at ₹391.65 down by 4.01% from the previous closing price. 

Conclusion 

LIC net premium income reached ₹1,47,433.15 crore and net profit stood at ₹12,114.78 crore for the September 2026 quarter. For the half year ended September 30, 2026, net premium income was ₹2,75,056.31 crore and net profit was ₹25,699.03 crore. 

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