General Insurance Corporation of India
•₹ 355.75-1.13%
2026-08-21
PROS
- Company generates healthy free cash flow
- Institutional investors have been accumulating - FII+DII up 4.8pp
- Offers a healthy dividend yield of 3.7%
- Attractively priced for its growth - PEG of 0.2
CONS
- Company is loss-making at the operating / net level
- Promoter holding has decreased over last 2 years: -8.4pp
- Recent results are weak - TTM profit is down 11.8% versus prior year
- Effective tax rate is unusually low at 0.0% - earnings may be flattered
- Operating margins have contracted to -8.9% from 8.1%
- Contingent liabilities are large at 54.6% of net worth
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | LICI | 413.00 | 8.70 | 522444.81 | 2.42 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| 2. | SBILIFE | 1785.50 | 0.00 | 179148.07 | 0.15 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| 3. | HDFCLIFE | 538.80 | 59.26 | 117052.95 | 0.39 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| 4. | ICICIGI | 1616.00 | 0.00 | 80723.61 | 0.84 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| 5. | ICICIPRULI | 500.95 | 0.00 | 72678.43 | 0.33 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| 6. | GICRE | 360.30 | 7.12 | 63211.03 | 3.68 | 1743.67 | -31.10 | 11097.77 | -1.56 | 21.11 | -10.45 |
| 7. | STARHEALTH | 583.75 | 0.00 | 34358.18 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| 8. | NIACL | 185.85 | 39.81 | 30628.08 | 0.81 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| 9. | GODIGIT | 253.00 | 0.00 | 23395.87 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| 10. | NIVABUPA | 84.04 | 0.00 | 15540.96 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| 11. | CANHLIFE | 151.95 | 0.00 | 14435.25 | 0.26 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
Detailed Comparison with:
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8,696 | 9,954 | 7,780 | 7,274 | 10,098 | 8,886 | 8,478 | 9,250 | 11,274 | 8,925 | 9,631 | 9,914 | 11,098 | |
| 10,205 | 11,590 | 9,523 | 7,276 | 11,431 | 9,998 | 9,215 | 10,210 | 12,018 | 9,993 | 10,363 | 10,556 | 12,380 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 2,662 | 3,491 | 3,563 | 3,098 | 2,823 | 3,398 | 2,921 | 4,104 | 3,408 | 4,383 | 3,093 | 3,750 | 3,474 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 1,154 | 1,855 | 1,820 | 3,096 | 1,490 | 2,287 | 2,184 | 3,144 | 2,664 | 3,315 | 2,360 | 3,108 | 2,315 | |
| Tax % | 17.64% | 13.13% | 23.51% | 17.50% | 24.72% | 18.45% | 25.66% | 24.81% | 18.43% | 18.61% | 25.80% | 23.47% | 24.66% |
| Net Profit | 0 | 0 | 0 | 0 | 1,401 | 1,856 | 1,677 | 2,499 | 2,531 | 2,874 | 1,726 | 2,533 | 1,744 |
| 6 | 15 | 8 | 15 | 8 | 11 | 10 | 14 | 14 | 16 | 10 | 14 | 1 | |
| Equity Capital | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 |
| Reserves | 35,787 | 36,134 | 37,446 | 41,058 | 42,387 | 865 | 44,385 | 47,782 | 51,010 | 52,878 | 55,029 | 58,419 | 60,127 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 |
| Reserves | 35,787 | 36,134 | 37,446 | 41,058 | 42,387 | 865 | 44,385 | 47,782 | 51,010 | 52,878 | 55,029 | 58,419 | 60,127 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 8,696
- 10,205
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,662
- Interest
- 0
- Depreciation
- 0
- 1,154
- Tax %
- 17.64%
- Net Profit
- 0
- 6
- Equity Capital
- 877
- Reserves
- 35,787
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 35,787
- Promoter Pledge %
- 0.00%
Sep 2023
- 9,954
- 11,590
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,491
- Interest
- 0
- Depreciation
- 0
- 1,855
- Tax %
- 13.13%
- Net Profit
- 0
- 15
- Equity Capital
- 877
- Reserves
- 36,134
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 36,134
- Promoter Pledge %
- 0.00%
Dec 2023
- 7,780
- 9,523
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,563
- Interest
- 0
- Depreciation
- 0
- 1,820
- Tax %
- 23.51%
- Net Profit
- 0
- 8
- Equity Capital
- 877
- Reserves
- 37,446
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 37,446
- Promoter Pledge %
- 0.00%
Mar 2024
- 7,274
- 7,276
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,098
- Interest
- 0
- Depreciation
- 0
- 3,096
- Tax %
- 17.50%
- Net Profit
- 0
- 15
- Equity Capital
- 877
- Reserves
- 41,058
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 41,058
- Promoter Pledge %
- 0.00%
Jun 2024
- 10,098
- 11,431
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,823
- Interest
- 0
- Depreciation
- 0
- 1,490
- Tax %
- 24.72%
- Net Profit
- 1,401
- 8
- Equity Capital
- 877
- Reserves
- 42,387
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 42,387
- Promoter Pledge %
- 0.00%
Sep 2024
- 8,886
- 9,998
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,398
- Interest
- 0
- Depreciation
- 0
- 2,287
- Tax %
- 18.45%
- Net Profit
- 1,856
- 11
- Equity Capital
- 877
- Reserves
- 865
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 865
- Promoter Pledge %
- 0.00%
Dec 2024
- 8,478
- 9,215
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,921
- Interest
- 0
- Depreciation
- 0
- 2,184
- Tax %
- 25.66%
- Net Profit
- 1,677
- 10
- Equity Capital
- 877
- Reserves
- 44,385
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 44,385
- Promoter Pledge %
- 0.00%
Mar 2025
- 9,250
- 10,210
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4,104
- Interest
- 0
- Depreciation
- 0
- 3,144
- Tax %
- 24.81%
- Net Profit
- 2,499
- 14
- Equity Capital
- 877
- Reserves
- 47,782
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 47,782
- Promoter Pledge %
- 0.00%
Jun 2025
- 11,274
- 12,018
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,408
- Interest
- 0
- Depreciation
- 0
- 2,664
- Tax %
- 18.43%
- Net Profit
- 2,531
- 14
- Equity Capital
- 877
- Reserves
- 51,010
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 51,010
- Promoter Pledge %
- 0.00%
Sep 2025
- 8,925
- 9,993
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4,383
- Interest
- 0
- Depreciation
- 0
- 3,315
- Tax %
- 18.61%
- Net Profit
- 2,874
- 16
- Equity Capital
- 877
- Reserves
- 52,878
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 52,878
- Promoter Pledge %
- 0.00%
Dec 2025
- 9,631
- 10,363
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,093
- Interest
- 0
- Depreciation
- 0
- 2,360
- Tax %
- 25.80%
- Net Profit
- 1,726
- 10
- Equity Capital
- 877
- Reserves
- 55,029
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 55,029
- Promoter Pledge %
- 0.00%
Mar 2026
- 9,914
- 10,556
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,750
- Interest
- 0
- Depreciation
- 0
- 3,108
- Tax %
- 23.47%
- Net Profit
- 2,533
- 14
- Equity Capital
- 877
- Reserves
- 58,419
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 58,419
- Promoter Pledge %
- 0.00%
Jun 2026
- 11,098
- 12,380
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,474
- Interest
- 0
- Depreciation
- 0
- 2,315
- Tax %
- 24.66%
- Net Profit
- 1,744
- 1
- Equity Capital
- 877
- Reserves
- 60,127
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 60,127
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39,567 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 43,292 | |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 237 | 18 | 13 | 145 | 172 | 11 | 155 | 504 | 367 | 182 | 14,700 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 3,125 | 4,168 | 3,580 | 3,973 | -274 | 3,236 | 3,942 | 8,361 | 8,103 | 9,563 | 11,098 | |
| Tax % | 3 | 12 | 12 | 31 | 32 | 38 | 39 | 17 | 17 | 22 | 23 |
| Net Profit | 3,017 | 3,672 | 3,146 | 2,758 | -186 | 1,992 | 2,386 | 6,907 | 6,686 | 7,432 | 8,571 |
| EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 38 | 42 | — |
| Dividend Payout % | 29 | 27 | 38 | 43 | 0 | 0 | 17 | 18 | 26 | 24 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 427 |
| Adjusted EPS | 18 | 107 | 18 | 16 | -1 | 11 | 14 | 39 | 38 | 42 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 427 |
| Adjusted EPS | 18 | 107 | 18 | 16 | -1 | 11 | 14 | 39 | 38 | 42 | — |
Mar 2016
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 237
- Interest
- 0
- Depreciation
- 0
- 3,125
- Tax %
- 3
- Net Profit
- 3,017
- EPS
- 0
- Dividend Payout %
- 29
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 18
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 18
Mar 2017
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 18
- Interest
- 0
- Depreciation
- 0
- 4,168
- Tax %
- 12
- Net Profit
- 3,672
- EPS
- 0
- Dividend Payout %
- 27
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 107
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 107
Mar 2018
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 13
- Interest
- 0
- Depreciation
- 0
- 3,580
- Tax %
- 12
- Net Profit
- 3,146
- EPS
- 0
- Dividend Payout %
- 38
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 18
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 18
Mar 2019
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 145
- Interest
- 0
- Depreciation
- 0
- 3,973
- Tax %
- 31
- Net Profit
- 2,758
- EPS
- 0
- Dividend Payout %
- 43
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 16
Mar 2020
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 172
- Interest
- 0
- Depreciation
- 0
- -274
- Tax %
- 32
- Net Profit
- -186
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -1
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -1
Mar 2021
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 11
- Interest
- 0
- Depreciation
- 0
- 3,236
- Tax %
- 38
- Net Profit
- 1,992
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
Mar 2022
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 155
- Interest
- 0
- Depreciation
- 0
- 3,942
- Tax %
- 39
- Net Profit
- 2,386
- EPS
- 0
- Dividend Payout %
- 17
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
Mar 2023
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 504
- Interest
- 0
- Depreciation
- 0
- 8,361
- Tax %
- 17
- Net Profit
- 6,907
- EPS
- 0
- Dividend Payout %
- 18
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 39
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 39
Mar 2024
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 367
- Interest
- 0
- Depreciation
- 0
- 8,103
- Tax %
- 17
- Net Profit
- 6,686
- EPS
- 38
- Dividend Payout %
- 26
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 38
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 38
Mar 2025
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 182
- Interest
- 0
- Depreciation
- 0
- 9,563
- Tax %
- 22
- Net Profit
- 7,432
- EPS
- 42
- Dividend Payout %
- 24
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 42
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 42
TTM
- 39,567
- 43,292
- Operating Profit
- —
- OPM %
- —
- Other Income
- 14,700
- Interest
- 0
- Depreciation
- 0
- 11,098
- Tax %
- 23
- Net Profit
- 8,571
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 427
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 427
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 10%
- 5 Years:
- —
- 3 Years:
- 46%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 20%
- 3 Years:
- 21%
- 1 Year:
- -7%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 14%
- 3 Years:
- 18%
- Last Year:
- 16%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 430 | 430 | 439 | 877 | 877 | 877 | 877 | 877 | 877 | 877 |
| 16,628 | 19,753 | 23,716 | 24,615 | 23,067 | 25,376 | 27,950 | 35,119 | 41,058 | 47,782 | |
| -17,058 | -20,183 | -24,155 | -25,492 | -23,944 | -26,253 | -28,827 | 31,474 | 43,757 | 40,140 | |
| Total Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 67,470 | 85,692 | 88,800 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 198 | 192 | 200 | 225 | 209 | 200 | 200 | 324 | 318 | 319 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 |
| Cash & Bank | 9,779 | 12,231 | 14,257 | 12,933 | 16,107 | 18,589 | 21,451 | 23,702 | 24,855 | 25,280 |
| -9,978 | -12,423 | -14,457 | -13,158 | -16,316 | -18,788 | -21,652 | 43,444 | 60,519 | 63,193 | |
| Total Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 67,470 | 85,692 | 88,800 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Contingent Liabilities | 2,766 | 3,317 | 3,678 | 5,731 | 10,477 | 12,339 | 18,410 | 18,084 | 22,856 | 26,577 |
| Book Value per Share | 39.67 | 234.68 | 275.36 | 145.31 | 136.48 | 149.64 | 164.31 | 205.18 | 239.03 | 277.36 |
| Face Value | 1.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Contingent Liabilities | 2,766 | 3,317 | 3,678 | 5,731 | 10,477 | 12,339 | 18,410 | 18,084 | 22,856 | 26,577 |
| Book Value per Share | 39.67 | 234.68 | 275.36 | 145.31 | 136.48 | 149.64 | 164.31 | 205.18 | 239.03 | 277.36 |
| Face Value | 1.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
Mar 2016
- Equity Capital
- 430
- 16,628
- -17,058
- Total Liabilities
- 0
- 198
- Capital Work in Progress
- 0
- Cash & Bank
- 9,779
- -9,978
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 2,766
- Book Value per Share
- 39.67
- Face Value
- 1.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 2,766
- Book Value per Share
- 39.67
- Face Value
- 1.00
Mar 2017
- Equity Capital
- 430
- 19,753
- -20,183
- Total Liabilities
- 0
- 192
- Capital Work in Progress
- 0
- Cash & Bank
- 12,231
- -12,423
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,317
- Book Value per Share
- 234.68
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,317
- Book Value per Share
- 234.68
- Face Value
- 5.00
Mar 2018
- Equity Capital
- 439
- 23,716
- -24,155
- Total Liabilities
- 0
- 200
- Capital Work in Progress
- 0
- Cash & Bank
- 14,257
- -14,457
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,678
- Book Value per Share
- 275.36
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,678
- Book Value per Share
- 275.36
- Face Value
- 5.00
Mar 2019
- Equity Capital
- 877
- 24,615
- -25,492
- Total Liabilities
- 0
- 225
- Capital Work in Progress
- 0
- Cash & Bank
- 12,933
- -13,158
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 5,731
- Book Value per Share
- 145.31
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 5,731
- Book Value per Share
- 145.31
- Face Value
- 5.00
Mar 2020
- Equity Capital
- 877
- 23,067
- -23,944
- Total Liabilities
- 0
- 209
- Capital Work in Progress
- 0
- Cash & Bank
- 16,107
- -16,316
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 10,477
- Book Value per Share
- 136.48
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 10,477
- Book Value per Share
- 136.48
- Face Value
- 5.00
Mar 2021
- Equity Capital
- 877
- 25,376
- -26,253
- Total Liabilities
- 0
- 200
- Capital Work in Progress
- 0
- Cash & Bank
- 18,589
- -18,788
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 12,339
- Book Value per Share
- 149.64
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 12,339
- Book Value per Share
- 149.64
- Face Value
- 5.00
Mar 2022
- Equity Capital
- 877
- 27,950
- -28,827
- Total Liabilities
- 0
- 200
- Capital Work in Progress
- 0
- Cash & Bank
- 21,451
- -21,652
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,410
- Book Value per Share
- 164.31
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,410
- Book Value per Share
- 164.31
- Face Value
- 5.00
Mar 2023
- Equity Capital
- 877
- 35,119
- 31,474
- Total Liabilities
- 67,470
- 324
- Capital Work in Progress
- 0
- Cash & Bank
- 23,702
- 43,444
- Total Assets
- 67,470
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,084
- Book Value per Share
- 205.18
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,084
- Book Value per Share
- 205.18
- Face Value
- 5.00
Mar 2024
- Equity Capital
- 877
- 41,058
- 43,757
- Total Liabilities
- 85,692
- 318
- Capital Work in Progress
- 0
- Cash & Bank
- 24,855
- 60,519
- Total Assets
- 85,692
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 22,856
- Book Value per Share
- 239.03
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 22,856
- Book Value per Share
- 239.03
- Face Value
- 5.00
Mar 2025
- Equity Capital
- 877
- 47,782
- 40,140
- Total Liabilities
- 88,800
- 319
- Capital Work in Progress
- 8
- Cash & Bank
- 25,280
- 63,193
- Total Assets
- 88,800
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 26,577
- Book Value per Share
- 277.36
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 26,577
- Book Value per Share
- 277.36
- Face Value
- 5.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5,876 | 7,901 | 8,837 | 7,604 | 8,617 | 13,284 | 9,051 | 11,722 | -212 | 1,976 | |
| Cash from Investing | -4,534 | -4,354 | -5,502 | -7,865 | -4,595 | -10,453 | -6,827 | -9,999 | 1,677 | -926 |
| Cash from Financing | 453 | -1,035 | -1,206 | -1,428 | -1,428 | 0 | 104 | -395 | -1,263 | -1,754 |
| 1,795 | 2,512 | 2,129 | -1,688 | 2,594 | 2,830 | 2,328 | 1,328 | 202 | -704 | |
| Free Cash Flow | 5,845 | 7,900 | 8,821 | 7,565 | 8,617 | 13,279 | 9,037 | 11,599 | -215 | 1,956 |
| OCF / Net Profit | 1.95 | 2.15 | 2.81 | 2.76 | -46.21 | 6.67 | 3.79 | 1.70 | -0.03 | 0.27 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 38,747 | 46,182 | 47,319 | 50,097 | 42,317 | 35,656 |
| OCF / Net Profit | 1.95 | 2.15 | 2.81 | 2.76 | -46.21 | 6.67 | 3.79 | 1.70 | -0.03 | 0.27 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 38,747 | 46,182 | 47,319 | 50,097 | 42,317 | 35,656 |
Mar 2016
- 5,876
- Cash from Investing
- -4,534
- Cash from Financing
- 453
- 1,795
- Free Cash Flow
- 5,845
- OCF / Net Profit
- 1.95
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 1.95
- Cumulative 5-Year FCF
- 0
Mar 2017
- 7,901
- Cash from Investing
- -4,354
- Cash from Financing
- -1,035
- 2,512
- Free Cash Flow
- 7,900
- OCF / Net Profit
- 2.15
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.15
- Cumulative 5-Year FCF
- 0
Mar 2018
- 8,837
- Cash from Investing
- -5,502
- Cash from Financing
- -1,206
- 2,129
- Free Cash Flow
- 8,821
- OCF / Net Profit
- 2.81
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.81
- Cumulative 5-Year FCF
- 0
Mar 2019
- 7,604
- Cash from Investing
- -7,865
- Cash from Financing
- -1,428
- -1,688
- Free Cash Flow
- 7,565
- OCF / Net Profit
- 2.76
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.76
- Cumulative 5-Year FCF
- 0
Mar 2020
- 8,617
- Cash from Investing
- -4,595
- Cash from Financing
- -1,428
- 2,594
- Free Cash Flow
- 8,617
- OCF / Net Profit
- -46.21
- Cumulative 5-Year FCF
- 38,747
- OCF / Net Profit
- -46.21
- Cumulative 5-Year FCF
- 38,747
Mar 2021
- 13,284
- Cash from Investing
- -10,453
- Cash from Financing
- 0
- 2,830
- Free Cash Flow
- 13,279
- OCF / Net Profit
- 6.67
- Cumulative 5-Year FCF
- 46,182
- OCF / Net Profit
- 6.67
- Cumulative 5-Year FCF
- 46,182
Mar 2022
- 9,051
- Cash from Investing
- -6,827
- Cash from Financing
- 104
- 2,328
- Free Cash Flow
- 9,037
- OCF / Net Profit
- 3.79
- Cumulative 5-Year FCF
- 47,319
- OCF / Net Profit
- 3.79
- Cumulative 5-Year FCF
- 47,319
Mar 2023
- 11,722
- Cash from Investing
- -9,999
- Cash from Financing
- -395
- 1,328
- Free Cash Flow
- 11,599
- OCF / Net Profit
- 1.70
- Cumulative 5-Year FCF
- 50,097
- OCF / Net Profit
- 1.70
- Cumulative 5-Year FCF
- 50,097
Mar 2024
- -212
- Cash from Investing
- 1,677
- Cash from Financing
- -1,263
- 202
- Free Cash Flow
- -215
- OCF / Net Profit
- -0.03
- Cumulative 5-Year FCF
- 42,317
- OCF / Net Profit
- -0.03
- Cumulative 5-Year FCF
- 42,317
Mar 2025
- 1,976
- Cash from Investing
- -926
- Cash from Financing
- -1,754
- -704
- Free Cash Flow
- 1,956
- OCF / Net Profit
- 0.27
- Cumulative 5-Year FCF
- 35,656
- OCF / Net Profit
- 0.27
- Cumulative 5-Year FCF
- 35,656
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 7.02 | 42.69 | 35.86 | 15.72 | -1.06 | 11.35 | 13.60 | 39.37 | 38.11 | 42.36 |
| Book Value (₹) | 39.67 | 234.68 | 275.36 | 145.31 | 136.48 | 149.64 | 164.31 | 205.18 | 239.03 | 277.36 |
| Dividend per Share (₹) | 2.00 | 11.65 | 13.50 | 6.75 | 0.00 | 0.00 | 2.25 | 7.20 | 10.00 | 10.00 |
| Cash EPS (₹) | 17.54 | 106.74 | 17.93 | 15.72 | -1.06 | 11.35 | 13.60 | 39.37 | 38.11 | 42.36 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 10.83% | 9.71% | 6.59% | 7.21% | -1.76% | 3.22% | 8.07% | 14.84% | -12.19% | -8.95% |
| Net Margin % | 19.72% | 13.71% | 8.23% | 7.21% | -0.42% | 4.98% | 6.03% | 19.20% | 19.84% | 20.24% |
| ROE % | 18.24% | 19.72% | 14.19% | 11.11% | -0.75% | 7.94% | 8.66% | 21.31% | 17.16% | 16.41% |
| ROCE % | 18.89% | 22.38% | 16.15% | 16.01% | -1.11% | 12.89% | 14.31% | 25.80% | 20.79% | 21.11% |
| 7.13% | 8.09% | 6.04% | 5.02% | -0.39% | 4.32% | 4.20% | 10.83% | 8.73% | 8.52% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| 0.64x | 0.66x | 0.67x | 0.62x | 0.62x | 0.55x | 0.53x | 0.53x | 0.52x | 0.52x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 12.55% | 75.00% | 42.67% | 0.13% | 15.95% | -9.85% | -1.07% | -9.06% | -6.31% | 8.92% |
| Operating Profit Growth % | 6.17% | 56.83% | -3.15% | 9.57% | -128.26% | 265.13% | 147.85% | 67.23% | -12.18% | 19.35% |
| Net Profit Growth % | 4.36% | 21.71% | -14.33% | -12.33% | -106.76% | 1168.12% | 19.82% | 189.46% | -3.21% | 11.16% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -3.21% | 11.16% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 8.66x | 9.91x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.38x | 1.51x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.03% | 2.38% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 7.05x | 8.65x |
Mar 2016
- EPS (₹)
- 7.02
- Book Value (₹)
- 39.67
- Dividend per Share (₹)
- 2.00
- Cash EPS (₹)
- 17.54
- Operating Margin %
- 10.83%
- Net Margin %
- 19.72%
- ROE %
- 18.24%
- ROCE %
- 18.89%
- 7.13%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.64x
- Revenue Growth %
- 12.55%
- Operating Profit Growth %
- 6.17%
- Net Profit Growth %
- 4.36%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 42.69
- Book Value (₹)
- 234.68
- Dividend per Share (₹)
- 11.65
- Cash EPS (₹)
- 106.74
- Operating Margin %
- 9.71%
- Net Margin %
- 13.71%
- ROE %
- 19.72%
- ROCE %
- 22.38%
- 8.09%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.66x
- Revenue Growth %
- 75.00%
- Operating Profit Growth %
- 56.83%
- Net Profit Growth %
- 21.71%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 35.86
- Book Value (₹)
- 275.36
- Dividend per Share (₹)
- 13.50
- Cash EPS (₹)
- 17.93
- Operating Margin %
- 6.59%
- Net Margin %
- 8.23%
- ROE %
- 14.19%
- ROCE %
- 16.15%
- 6.04%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.67x
- Revenue Growth %
- 42.67%
- Operating Profit Growth %
- -3.15%
- Net Profit Growth %
- -14.33%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 15.72
- Book Value (₹)
- 145.31
- Dividend per Share (₹)
- 6.75
- Cash EPS (₹)
- 15.72
- Operating Margin %
- 7.21%
- Net Margin %
- 7.21%
- ROE %
- 11.11%
- ROCE %
- 16.01%
- 5.02%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.62x
- Revenue Growth %
- 0.13%
- Operating Profit Growth %
- 9.57%
- Net Profit Growth %
- -12.33%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- -1.06
- Book Value (₹)
- 136.48
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- -1.06
- Operating Margin %
- -1.76%
- Net Margin %
- -0.42%
- ROE %
- -0.75%
- ROCE %
- -1.11%
- -0.39%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.62x
- Revenue Growth %
- 15.95%
- Operating Profit Growth %
- -128.26%
- Net Profit Growth %
- -106.76%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 11.35
- Book Value (₹)
- 149.64
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 11.35
- Operating Margin %
- 3.22%
- Net Margin %
- 4.98%
- ROE %
- 7.94%
- ROCE %
- 12.89%
- 4.32%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.55x
- Revenue Growth %
- -9.85%
- Operating Profit Growth %
- 265.13%
- Net Profit Growth %
- 1168.12%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 13.60
- Book Value (₹)
- 164.31
- Dividend per Share (₹)
- 2.25
- Cash EPS (₹)
- 13.60
- Operating Margin %
- 8.07%
- Net Margin %
- 6.03%
- ROE %
- 8.66%
- ROCE %
- 14.31%
- 4.20%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.53x
- Revenue Growth %
- -1.07%
- Operating Profit Growth %
- 147.85%
- Net Profit Growth %
- 19.82%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 39.37
- Book Value (₹)
- 205.18
- Dividend per Share (₹)
- 7.20
- Cash EPS (₹)
- 39.37
- Operating Margin %
- 14.84%
- Net Margin %
- 19.20%
- ROE %
- 21.31%
- ROCE %
- 25.80%
- 10.83%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.53x
- Revenue Growth %
- -9.06%
- Operating Profit Growth %
- 67.23%
- Net Profit Growth %
- 189.46%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 38.11
- Book Value (₹)
- 239.03
- Dividend per Share (₹)
- 10.00
- Cash EPS (₹)
- 38.11
- Operating Margin %
- -12.19%
- Net Margin %
- 19.84%
- ROE %
- 17.16%
- ROCE %
- 20.79%
- 8.73%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.52x
- Revenue Growth %
- -6.31%
- Operating Profit Growth %
- -12.18%
- Net Profit Growth %
- -3.21%
- -3.21%
- P/E (x)
- 8.66x
- P/B (x)
- 1.38x
- Dividend Yield %
- 3.03%
- 7.05x
Mar 2025
- EPS (₹)
- 42.36
- Book Value (₹)
- 277.36
- Dividend per Share (₹)
- 10.00
- Cash EPS (₹)
- 42.36
- Operating Margin %
- -8.95%
- Net Margin %
- 20.24%
- ROE %
- 16.41%
- ROCE %
- 21.11%
- 8.52%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.52x
- Revenue Growth %
- 8.92%
- Operating Profit Growth %
- 19.35%
- Net Profit Growth %
- 11.16%
- 11.16%
- P/E (x)
- 9.91x
- P/B (x)
- 1.51x
- Dividend Yield %
- 2.38%
- 8.65x
Documents
Announcements
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-20 - General Insurance Corporation of India has informed the Exchange about Transcript
- Updates
2026-08-19 - General Insurance Corporation of India has informed the Exchange regarding 'Corrigendum Investor Presentation Q1 FY 2027 Financial Results Presentation '.
Annual Reports
Credit Ratings
- Credit Rating
2026-01-01 - General Insurance Corporation of India has informed the Exchange about Credit Rating
- Credit Rating
2025-10-10 - General Insurance Corporation of India has informed the Exchange about Credit Rating
Concalls
Aug 2026
Jun 2026
May 2026