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
- Effective tax rate is unusually low at 0.0% - earnings may be flattered
- Operating margins have contracted to -9.7% from 7.9%
- Contingent liabilities are large at 59.3% 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 | 421.00 | 8.86 | 532564.81 | 2.38 | 135866.90 | 23.98 | 1276231.60 | 6.69 | 37.75 | -76.97 |
| 2. | SBILIFE | 1780.95 | 0.00 | 178691.54 | 0.15 | 7249.30 | 21.97 | 200782.10 | 16.88 | 14.15 | -127.01 |
| 3. | HDFCLIFE | 541.20 | 59.53 | 117574.35 | 0.39 | 611.19 | 11.46 | 16727.63 | 15.05 | 10.01 | -98.79 |
| 4. | ICICIGI | 1629.00 | 0.00 | 81372.99 | 0.83 | 4031.70 | 439.66 | 59500.40 | 1058.48 | 23.62 | -10.35 |
| 5. | ICICIPRULI | 503.00 | 0.00 | 72975.84 | 0.33 | 623.91 | 61.94 | 19180.08 | 17.17 | 11.82 | 79.46 |
| 6. | GICRE | 359.80 | 7.11 | 63123.31 | 3.68 | 1743.67 | -31.10 | 11097.77 | -1.56 | 21.11 | -10.45 |
| 7. | STARHEALTH | 575.55 | 0.00 | 33878.23 | 0.00 | 549.73 | 109.40 | 4917.20 | 24.86 | 9.70 | 2.89 |
| 8. | NIACL | 183.10 | 39.22 | 30174.88 | 0.82 | -2391.50 | -695.39 | 97472.80 | 934.31 | 5.44 | -24.14 |
| 9. | GODIGIT | 256.60 | 0.00 | 23728.77 | 0.00 | 86.39 | -37.55 | 2006.96 | 7.61 | 13.56 | -15.23 |
| 10. | NIVABUPA | 83.05 | 0.00 | 15357.89 | 0.00 | 137.80 | 250.70 | 2273.72 | 86.37 | 3.75 | -0.22 |
| 11. | CANHLIFE | 151.45 | 0.00 | 14387.75 | 0.26 | 281.40 | 1101.54 | 20475.20 | 1138.35 | 8.35 | -112.52 |
Detailed Comparison with:
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8,633 | 9,958 | 7,758 | 7,227 | 10,064 | 8,847 | 8,540 | 8,680 | 11,088 | 8,925 | 9,580 | 9,785 | 11,081 | |
| 10,329 | 11,582 | 9,396 | 7,146 | 11,448 | 9,965 | 9,264 | 9,808 | 12,210 | 9,812 | 10,532 | 10,522 | 12,032 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 2,632 | 3,471 | 3,562 | 3,090 | 2,778 | 3,399 | 2,893 | 4,050 | 3,365 | 4,360 | 3,069 | 3,697 | 3,441 |
| 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 |
| 935 | 1,848 | 1,924 | 3,171 | 1,393 | 2,281 | 2,169 | 2,923 | 2,244 | 3,473 | 2,117 | 2,960 | 2,490 | |
| Tax % | 21.75% | 13.13% | 21.10% | 16.68% | 25.61% | 18.43% | 25.24% | 25.31% | 21.90% | 17.45% | 28.25% | 23.84% | 22.82% |
| Net Profit | 732 | 1,605 | 1,518 | 2,642 | 1,036 | 1,861 | 1,621 | 2,183 | 1,752 | 2,867 | 1,519 | 2,254 | 1,922 |
| 4 | 13 | 9 | 15 | 6 | 11 | 9 | 12 | 10 | 16 | 9 | 13 | 1 | |
| Equity Capital | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 | 877 |
| Reserves | 32,620 | 32,902 | 34,667 | 37,805 | 38,858 | 39,704 | 40,968 | 43,927 | 46,240 | 47,852 | 49,813 | 52,861 | 54,845 |
| 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 | 32,620 | 32,902 | 34,667 | 37,805 | 38,858 | 39,704 | 40,968 | 43,927 | 46,240 | 47,852 | 49,813 | 52,861 | 54,845 |
| 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
- 8,633
- 10,329
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,632
- Interest
- 0
- Depreciation
- 0
- 935
- Tax %
- 21.75%
- Net Profit
- 732
- 4
- Equity Capital
- 877
- Reserves
- 32,620
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 32,620
- Promoter Pledge %
- 0.00%
Sep 2023
- 9,958
- 11,582
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,471
- Interest
- 0
- Depreciation
- 0
- 1,848
- Tax %
- 13.13%
- Net Profit
- 1,605
- 13
- Equity Capital
- 877
- Reserves
- 32,902
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 32,902
- Promoter Pledge %
- 0.00%
Dec 2023
- 7,758
- 9,396
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,562
- Interest
- 0
- Depreciation
- 0
- 1,924
- Tax %
- 21.10%
- Net Profit
- 1,518
- 9
- Equity Capital
- 877
- Reserves
- 34,667
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 34,667
- Promoter Pledge %
- 0.00%
Mar 2024
- 7,227
- 7,146
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,090
- Interest
- 0
- Depreciation
- 0
- 3,171
- Tax %
- 16.68%
- Net Profit
- 2,642
- 15
- Equity Capital
- 877
- Reserves
- 37,805
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 37,805
- Promoter Pledge %
- 0.00%
Jun 2024
- 10,064
- 11,448
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,778
- Interest
- 0
- Depreciation
- 0
- 1,393
- Tax %
- 25.61%
- Net Profit
- 1,036
- 6
- Equity Capital
- 877
- Reserves
- 38,858
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 38,858
- Promoter Pledge %
- 0.00%
Sep 2024
- 8,847
- 9,965
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,399
- Interest
- 0
- Depreciation
- 0
- 2,281
- Tax %
- 18.43%
- Net Profit
- 1,861
- 11
- Equity Capital
- 877
- Reserves
- 39,704
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 39,704
- Promoter Pledge %
- 0.00%
Dec 2024
- 8,540
- 9,264
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2,893
- Interest
- 0
- Depreciation
- 0
- 2,169
- Tax %
- 25.24%
- Net Profit
- 1,621
- 9
- Equity Capital
- 877
- Reserves
- 40,968
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 40,968
- Promoter Pledge %
- 0.00%
Mar 2025
- 8,680
- 9,808
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4,050
- Interest
- 0
- Depreciation
- 0
- 2,923
- Tax %
- 25.31%
- Net Profit
- 2,183
- 12
- Equity Capital
- 877
- Reserves
- 43,927
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 43,927
- Promoter Pledge %
- 0.00%
Jun 2025
- 11,088
- 12,210
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,365
- Interest
- 0
- Depreciation
- 0
- 2,244
- Tax %
- 21.90%
- Net Profit
- 1,752
- 10
- Equity Capital
- 877
- Reserves
- 46,240
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 46,240
- Promoter Pledge %
- 0.00%
Sep 2025
- 8,925
- 9,812
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4,360
- Interest
- 0
- Depreciation
- 0
- 3,473
- Tax %
- 17.45%
- Net Profit
- 2,867
- 16
- Equity Capital
- 877
- Reserves
- 47,852
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 47,852
- Promoter Pledge %
- 0.00%
Dec 2025
- 9,580
- 10,532
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,069
- Interest
- 0
- Depreciation
- 0
- 2,117
- Tax %
- 28.25%
- Net Profit
- 1,519
- 9
- Equity Capital
- 877
- Reserves
- 49,813
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 49,813
- Promoter Pledge %
- 0.00%
Mar 2026
- 9,785
- 10,522
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,697
- Interest
- 0
- Depreciation
- 0
- 2,960
- Tax %
- 23.84%
- Net Profit
- 2,254
- 13
- Equity Capital
- 877
- Reserves
- 52,861
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 52,861
- Promoter Pledge %
- 0.00%
Jun 2026
- 11,081
- 12,032
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3,441
- Interest
- 0
- Depreciation
- 0
- 2,490
- Tax %
- 22.82%
- Net Profit
- 1,922
- 1
- Equity Capital
- 877
- Reserves
- 54,845
- Promoter Pledge %
- 0.00%
- Equity Capital
- 877
- Reserves
- 54,845
- Promoter Pledge %
- 0.00%
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 39,372 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42,899 | |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 1 | 17 | 11 | 91 | 121 | 0 | 121 | 428 | 357 | 185 | 14,567 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2,957 | 3,624 | 3,668 | 3,434 | -446 | 3,163 | 3,560 | 7,749 | 7,878 | 8,766 | 11,040 | |
| Tax % | 4 | 14 | 12 | 35 | 19 | 39 | 44 | 19 | 18 | 24 | 22 |
| Net Profit | 2,848 | 3,128 | 3,234 | 2,224 | -359 | 1,920 | 2,006 | 6,312 | 6,497 | 6,701 | 8,562 |
| EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 37 | 38 | — |
| Dividend Payout % | 30 | 32 | 37 | 53 | 0 | 0 | 20 | 20 | 27 | 26 | — |
| 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 | 0 |
| Adjusted EPS | 17 | 91 | 18 | 13 | -2 | 11 | 11 | 36 | 37 | 38 | — |
| 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 | 0 |
| Adjusted EPS | 17 | 91 | 18 | 13 | -2 | 11 | 11 | 36 | 37 | 38 | — |
Mar 2016
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 2,957
- Tax %
- 4
- Net Profit
- 2,848
- EPS
- 0
- Dividend Payout %
- 30
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 17
Mar 2017
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 17
- Interest
- 0
- Depreciation
- 0
- 3,624
- Tax %
- 14
- Net Profit
- 3,128
- EPS
- 0
- Dividend Payout %
- 32
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 91
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 91
Mar 2018
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 11
- Interest
- 0
- Depreciation
- 0
- 3,668
- Tax %
- 12
- Net Profit
- 3,234
- EPS
- 0
- Dividend Payout %
- 37
- 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
- 91
- Interest
- 0
- Depreciation
- 0
- 3,434
- Tax %
- 35
- Net Profit
- 2,224
- EPS
- 0
- Dividend Payout %
- 53
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 13
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 13
Mar 2020
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 121
- Interest
- 0
- Depreciation
- 0
- -446
- Tax %
- 19
- Net Profit
- -359
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -2
Mar 2021
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 3,163
- Tax %
- 39
- Net Profit
- 1,920
- 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
- 121
- Interest
- 0
- Depreciation
- 0
- 3,560
- Tax %
- 44
- Net Profit
- 2,006
- EPS
- 0
- Dividend Payout %
- 20
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
Mar 2023
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 428
- Interest
- 0
- Depreciation
- 0
- 7,749
- Tax %
- 19
- Net Profit
- 6,312
- EPS
- 0
- Dividend Payout %
- 20
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 36
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 36
Mar 2024
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 357
- Interest
- 0
- Depreciation
- 0
- 7,878
- Tax %
- 18
- Net Profit
- 6,497
- EPS
- 37
- Dividend Payout %
- 27
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 37
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 37
Mar 2025
- 0
- 0
- Operating Profit
- 0
- OPM %
- —
- Other Income
- 185
- Interest
- 0
- Depreciation
- 0
- 8,766
- Tax %
- 24
- Net Profit
- 6,701
- 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
TTM
- 39,372
- 42,899
- Operating Profit
- —
- OPM %
- —
- Other Income
- 14,567
- Interest
- 0
- Depreciation
- 0
- 11,040
- Tax %
- 22
- Net Profit
- 8,562
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 10%
- 5 Years:
- —
- 3 Years:
- 49%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 19%
- 3 Years:
- 18%
- 1 Year:
- -7%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 14%
- 3 Years:
- 19%
- Last Year:
- 16%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 |
| 15,402 | 18,016 | 22,036 | 22,484 | 21,046 | 23,171 | 25,255 | 31,991 | 37,805 | 43,927 | |
| -15,832 | -18,446 | -22,475 | -23,361 | -21,923 | -24,049 | -26,132 | 31,394 | 43,748 | 40,118 | |
| Total Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64,262 | 82,430 | 84,922 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 170 | 164 | 171 | 197 | 181 | 169 | 170 | 294 | 287 | 288 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 |
| Cash & Bank | 9,761 | 12,191 | 14,172 | 12,848 | 15,854 | 18,294 | 21,083 | 23,284 | 24,389 | 24,636 |
| -9,932 | -12,354 | -14,343 | -13,045 | -16,035 | -18,463 | -21,253 | 40,684 | 57,754 | 59,990 | |
| Total Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 64,262 | 82,430 | 84,922 |
| 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 | 2,765 | 3,317 | 3,678 | 5,731 | 10,477 | 12,339 | 18,410 | 18,084 | 22,856 | 26,577 |
| Book Value per Share | 36.82 | 214.49 | 256.21 | 133.16 | 124.96 | 137.08 | 148.95 | 187.35 | 220.48 | 255.38 |
| 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 | 2,765 | 3,317 | 3,678 | 5,731 | 10,477 | 12,339 | 18,410 | 18,084 | 22,856 | 26,577 |
| Book Value per Share | 36.82 | 214.49 | 256.21 | 133.16 | 124.96 | 137.08 | 148.95 | 187.35 | 220.48 | 255.38 |
| 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
- 15,402
- -15,832
- Total Liabilities
- 0
- 170
- Capital Work in Progress
- 0
- Cash & Bank
- 9,761
- -9,932
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 2,765
- Book Value per Share
- 36.82
- Face Value
- 1.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 2,765
- Book Value per Share
- 36.82
- Face Value
- 1.00
Mar 2017
- Equity Capital
- 430
- 18,016
- -18,446
- Total Liabilities
- 0
- 164
- Capital Work in Progress
- 0
- Cash & Bank
- 12,191
- -12,354
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,317
- Book Value per Share
- 214.49
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,317
- Book Value per Share
- 214.49
- Face Value
- 5.00
Mar 2018
- Equity Capital
- 439
- 22,036
- -22,475
- Total Liabilities
- 0
- 171
- Capital Work in Progress
- 0
- Cash & Bank
- 14,172
- -14,343
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,678
- Book Value per Share
- 256.21
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 3,678
- Book Value per Share
- 256.21
- Face Value
- 5.00
Mar 2019
- Equity Capital
- 877
- 22,484
- -23,361
- Total Liabilities
- 0
- 197
- Capital Work in Progress
- 0
- Cash & Bank
- 12,848
- -13,045
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 5,731
- Book Value per Share
- 133.16
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 5,731
- Book Value per Share
- 133.16
- Face Value
- 5.00
Mar 2020
- Equity Capital
- 877
- 21,046
- -21,923
- Total Liabilities
- 0
- 181
- Capital Work in Progress
- 0
- Cash & Bank
- 15,854
- -16,035
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 10,477
- Book Value per Share
- 124.96
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 10,477
- Book Value per Share
- 124.96
- Face Value
- 5.00
Mar 2021
- Equity Capital
- 877
- 23,171
- -24,049
- Total Liabilities
- 0
- 169
- Capital Work in Progress
- 0
- Cash & Bank
- 18,294
- -18,463
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 12,339
- Book Value per Share
- 137.08
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 12,339
- Book Value per Share
- 137.08
- Face Value
- 5.00
Mar 2022
- Equity Capital
- 877
- 25,255
- -26,132
- Total Liabilities
- 0
- 170
- Capital Work in Progress
- 0
- Cash & Bank
- 21,083
- -21,253
- Total Assets
- 0
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,410
- Book Value per Share
- 148.95
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,410
- Book Value per Share
- 148.95
- Face Value
- 5.00
Mar 2023
- Equity Capital
- 877
- 31,991
- 31,394
- Total Liabilities
- 64,262
- 294
- Capital Work in Progress
- 0
- Cash & Bank
- 23,284
- 40,684
- Total Assets
- 64,262
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,084
- Book Value per Share
- 187.35
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 18,084
- Book Value per Share
- 187.35
- Face Value
- 5.00
Mar 2024
- Equity Capital
- 877
- 37,805
- 43,748
- Total Liabilities
- 82,430
- 287
- Capital Work in Progress
- 0
- Cash & Bank
- 24,389
- 57,754
- Total Assets
- 82,430
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 22,856
- Book Value per Share
- 220.48
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 22,856
- Book Value per Share
- 220.48
- Face Value
- 5.00
Mar 2025
- Equity Capital
- 877
- 43,927
- 40,118
- Total Liabilities
- 84,922
- 288
- Capital Work in Progress
- 8
- Cash & Bank
- 24,636
- 59,990
- Total Assets
- 84,922
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 26,577
- Book Value per Share
- 255.38
- Face Value
- 5.00
- Total Debt
- 0
- Net Working Capital
- 0
- Contingent Liabilities
- 26,577
- Book Value per Share
- 255.38
- Face Value
- 5.00
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5,802 | 7,782 | 8,662 | 7,016 | 8,225 | 12,824 | 8,420 | 11,349 | -448 | -770 | |
| Cash from Investing | -3,351 | -4,271 | -5,399 | -7,213 | -4,335 | -10,119 | -6,153 | -9,595 | 1,807 | 1,508 |
| Cash from Financing | -650 | -1,035 | -1,206 | -1,428 | -1,428 | 0 | 0 | -395 | -1,263 | -1,754 |
| 1,801 | 2,476 | 2,057 | -1,624 | 2,462 | 2,705 | 2,267 | 1,360 | 96 | -1,017 | |
| Free Cash Flow | 5,760 | 7,780 | 8,647 | 6,977 | 8,225 | 12,823 | 8,408 | 11,226 | -450 | -789 |
| OCF / Net Profit | 2.04 | 2.49 | 2.68 | 3.15 | -22.90 | 6.68 | 4.20 | 1.80 | -0.07 | -0.11 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 37,389 | 44,451 | 45,080 | 47,658 | 40,232 | 31,218 |
| OCF / Net Profit | 2.04 | 2.49 | 2.68 | 3.15 | -22.90 | 6.68 | 4.20 | 1.80 | -0.07 | -0.11 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 37,389 | 44,451 | 45,080 | 47,658 | 40,232 | 31,218 |
Mar 2016
- 5,802
- Cash from Investing
- -3,351
- Cash from Financing
- -650
- 1,801
- Free Cash Flow
- 5,760
- OCF / Net Profit
- 2.04
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.04
- Cumulative 5-Year FCF
- 0
Mar 2017
- 7,782
- Cash from Investing
- -4,271
- Cash from Financing
- -1,035
- 2,476
- Free Cash Flow
- 7,780
- OCF / Net Profit
- 2.49
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.49
- Cumulative 5-Year FCF
- 0
Mar 2018
- 8,662
- Cash from Investing
- -5,399
- Cash from Financing
- -1,206
- 2,057
- Free Cash Flow
- 8,647
- OCF / Net Profit
- 2.68
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 2.68
- Cumulative 5-Year FCF
- 0
Mar 2019
- 7,016
- Cash from Investing
- -7,213
- Cash from Financing
- -1,428
- -1,624
- Free Cash Flow
- 6,977
- OCF / Net Profit
- 3.15
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 3.15
- Cumulative 5-Year FCF
- 0
Mar 2020
- 8,225
- Cash from Investing
- -4,335
- Cash from Financing
- -1,428
- 2,462
- Free Cash Flow
- 8,225
- OCF / Net Profit
- -22.90
- Cumulative 5-Year FCF
- 37,389
- OCF / Net Profit
- -22.90
- Cumulative 5-Year FCF
- 37,389
Mar 2021
- 12,824
- Cash from Investing
- -10,119
- Cash from Financing
- 0
- 2,705
- Free Cash Flow
- 12,823
- OCF / Net Profit
- 6.68
- Cumulative 5-Year FCF
- 44,451
- OCF / Net Profit
- 6.68
- Cumulative 5-Year FCF
- 44,451
Mar 2022
- 8,420
- Cash from Investing
- -6,153
- Cash from Financing
- 0
- 2,267
- Free Cash Flow
- 8,408
- OCF / Net Profit
- 4.20
- Cumulative 5-Year FCF
- 45,080
- OCF / Net Profit
- 4.20
- Cumulative 5-Year FCF
- 45,080
Mar 2023
- 11,349
- Cash from Investing
- -9,595
- Cash from Financing
- -395
- 1,360
- Free Cash Flow
- 11,226
- OCF / Net Profit
- 1.80
- Cumulative 5-Year FCF
- 47,658
- OCF / Net Profit
- 1.80
- Cumulative 5-Year FCF
- 47,658
Mar 2024
- -448
- Cash from Investing
- 1,807
- Cash from Financing
- -1,263
- 96
- Free Cash Flow
- -450
- OCF / Net Profit
- -0.07
- Cumulative 5-Year FCF
- 40,232
- OCF / Net Profit
- -0.07
- Cumulative 5-Year FCF
- 40,232
Mar 2025
- -770
- Cash from Investing
- 1,508
- Cash from Financing
- -1,754
- -1,017
- Free Cash Flow
- -789
- OCF / Net Profit
- -0.11
- Cumulative 5-Year FCF
- 31,218
- OCF / Net Profit
- -0.11
- Cumulative 5-Year FCF
- 31,218
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 6.62 | 36.37 | 36.86 | 12.68 | -2.05 | 10.95 | 11.43 | 35.98 | 37.03 | 38.20 |
| Book Value (₹) | 36.82 | 214.49 | 256.21 | 133.16 | 124.96 | 137.08 | 148.95 | 187.35 | 220.48 | 255.38 |
| 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 (₹) | 16.56 | 90.92 | 18.43 | 12.68 | -2.05 | 10.95 | 11.43 | 35.98 | 37.03 | 38.20 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 10.67% | 9.16% | 6.13% | 6.43% | -1.83% | 3.35% | 7.88% | 14.46% | -12.22% | -9.67% |
| Net Margin % | 18.77% | 11.71% | 8.49% | 5.90% | -0.81% | 4.82% | 5.10% | 17.63% | 19.35% | 18.55% |
| ROE % | 19.23% | 18.25% | 15.80% | 9.71% | -1.59% | 8.35% | 7.99% | 21.40% | 18.16% | 16.05% |
| ROCE % | 19.96% | 21.14% | 17.93% | 14.98% | -1.97% | 13.76% | 14.19% | 26.27% | 22.02% | 21.00% |
| 7.01% | 7.13% | 6.42% | 4.19% | -0.79% | 4.36% | 3.69% | 10.38% | 8.86% | 8.01% | |
| 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 |
| 0.63x | 0.66x | 0.67x | 0.62x | 0.61x | 0.54x | 0.52x | 0.52x | 0.52x | 0.52x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 11.91% | 76.07% | 42.60% | -1.09% | 17.16% | -9.69% | -1.44% | -8.87% | -6.23% | 7.61% |
| Operating Profit Growth % | -0.68% | 51.03% | -4.61% | 3.76% | -133.40% | 265.20% | 131.83% | 67.25% | -9.62% | 14.56% |
| Net Profit Growth % | 5.74% | 9.80% | 3.39% | -31.21% | -116.14% | 634.80% | 4.44% | 214.72% | 2.93% | 3.14% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.93% | 3.14% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 8.91x | 11.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.50x | 1.64x |
| 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 | 7.16x | 9.15x |
Mar 2016
- EPS (₹)
- 6.62
- Book Value (₹)
- 36.82
- Dividend per Share (₹)
- 2.00
- Cash EPS (₹)
- 16.56
- Operating Margin %
- 10.67%
- Net Margin %
- 18.77%
- ROE %
- 19.23%
- ROCE %
- 19.96%
- 7.01%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.63x
- Revenue Growth %
- 11.91%
- Operating Profit Growth %
- -0.68%
- Net Profit Growth %
- 5.74%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 36.37
- Book Value (₹)
- 214.49
- Dividend per Share (₹)
- 11.65
- Cash EPS (₹)
- 90.92
- Operating Margin %
- 9.16%
- Net Margin %
- 11.71%
- ROE %
- 18.25%
- ROCE %
- 21.14%
- 7.13%
- 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 %
- 76.07%
- Operating Profit Growth %
- 51.03%
- Net Profit Growth %
- 9.80%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 36.86
- Book Value (₹)
- 256.21
- Dividend per Share (₹)
- 13.50
- Cash EPS (₹)
- 18.43
- Operating Margin %
- 6.13%
- Net Margin %
- 8.49%
- ROE %
- 15.80%
- ROCE %
- 17.93%
- 6.42%
- 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 %
- 42.60%
- Operating Profit Growth %
- -4.61%
- Net Profit Growth %
- 3.39%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 12.68
- Book Value (₹)
- 133.16
- Dividend per Share (₹)
- 6.75
- Cash EPS (₹)
- 12.68
- Operating Margin %
- 6.43%
- Net Margin %
- 5.90%
- ROE %
- 9.71%
- ROCE %
- 14.98%
- 4.19%
- 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 %
- -1.09%
- Operating Profit Growth %
- 3.76%
- Net Profit Growth %
- -31.21%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- -2.05
- Book Value (₹)
- 124.96
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- -2.05
- Operating Margin %
- -1.83%
- Net Margin %
- -0.81%
- ROE %
- -1.59%
- ROCE %
- -1.97%
- -0.79%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.61x
- Revenue Growth %
- 17.16%
- Operating Profit Growth %
- -133.40%
- Net Profit Growth %
- -116.14%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 10.95
- Book Value (₹)
- 137.08
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 10.95
- Operating Margin %
- 3.35%
- Net Margin %
- 4.82%
- ROE %
- 8.35%
- ROCE %
- 13.76%
- 4.36%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 0.54x
- Revenue Growth %
- -9.69%
- Operating Profit Growth %
- 265.20%
- Net Profit Growth %
- 634.80%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 11.43
- Book Value (₹)
- 148.95
- Dividend per Share (₹)
- 2.25
- Cash EPS (₹)
- 11.43
- Operating Margin %
- 7.88%
- Net Margin %
- 5.10%
- ROE %
- 7.99%
- ROCE %
- 14.19%
- 3.69%
- 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 %
- -1.44%
- Operating Profit Growth %
- 131.83%
- Net Profit Growth %
- 4.44%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 35.98
- Book Value (₹)
- 187.35
- Dividend per Share (₹)
- 7.20
- Cash EPS (₹)
- 35.98
- Operating Margin %
- 14.46%
- Net Margin %
- 17.63%
- ROE %
- 21.40%
- ROCE %
- 26.27%
- 10.38%
- 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 %
- -8.87%
- Operating Profit Growth %
- 67.25%
- Net Profit Growth %
- 214.72%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 37.03
- Book Value (₹)
- 220.48
- Dividend per Share (₹)
- 10.00
- Cash EPS (₹)
- 37.03
- Operating Margin %
- -12.22%
- Net Margin %
- 19.35%
- ROE %
- 18.16%
- ROCE %
- 22.02%
- 8.86%
- 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 %
- -6.23%
- Operating Profit Growth %
- -9.62%
- Net Profit Growth %
- 2.93%
- 2.93%
- P/E (x)
- 8.91x
- P/B (x)
- 1.50x
- Dividend Yield %
- 3.03%
- 7.16x
Mar 2025
- EPS (₹)
- 38.20
- Book Value (₹)
- 255.38
- Dividend per Share (₹)
- 10.00
- Cash EPS (₹)
- 38.20
- Operating Margin %
- -9.67%
- Net Margin %
- 18.55%
- ROE %
- 16.05%
- ROCE %
- 21.00%
- 8.01%
- 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 %
- 7.61%
- Operating Profit Growth %
- 14.56%
- Net Profit Growth %
- 3.14%
- 3.14%
- P/E (x)
- 11.00x
- P/B (x)
- 1.64x
- Dividend Yield %
- 2.38%
- 9.15x
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