BSE Insurance Results: Latest Quarterly Results & Analysis

Open Free Trading Account Online with ICICIDIRECT

+91 Enter Your Mobile Number

Enable WhatsApp notification T&C

I hereby understand and agree to authorize the ICICI Securities and its affiliates/ group companies...More

These terms and conditions ("WhatsApp Terms and Conditions" as amended from time to time) are applicable to the Customers (defined hereinafter) that avail the Services (defined hereinafter) provided thereon by ICICI Securities Limited ("ICICI Securities") on the WhatsApp platform.

The WhatsApp Terms and Conditions shall be in addition to any other terms and conditions as stipulated by the ICICI Securities from time to time on its website (www.icicidirect.com) whether pertaining to the account or in relation to other products, services or facilities provided by ICICI Securities.

Any services that may be offered to the customer through the WhatsApp platform ("WhatsApp") is at the discretion of the ICICI Securities and/or basis the eligibility criteria of a customer and such services are subject to certain terms and conditions. In case of conflict between any of these WhatsApp Terms and Conditions and the terms and conditions for other services provided on the WhatsApp channel, specific terms and conditions of such services shall prevail.

Further, in case of inconsistency between the WhatsApp Terms and Conditions and any specific terms and conditions pertaining to account or any specific service/product/offer, the specific terms and conditions of that particular service/product/offer shall prevail.

1. DEFINITIONS

"Trading Account" refers to the trading account maintained by the Customer with ICICI Securities.

"Trading Account Related Services" shall mean the Services which pertain to information in relation to the Trading Account maintained with ICICI Securities by customer including but not limited to portfolio valuation, stock quote, order details, trade details etc which are enabled by ICICI Securities, from time to time, at its sole discretion.

"Registered ICICI Securities Number" is the authorized number of ICICI Securities, registered with WhatsApp for the purposes of providing Services herein.

"Customer" shall mean any person holding Trading Account or any prospective customer with ICICI Securities and interacting with ICICI Securities on WhatsApp using the Registered ICICI Securities Number / using the Services provided by ICICI Securities through WhatsApp. "Customer Information" refers to the personal data or information or such other data or information including any sensitive personal data in relation to the Customer such as information in relation to the trading account of the Customer, shared by the Customer or provided to the Customer by ICICI Securities or collected or obtained from the Customer or from WhatsApp or from any such source in the course of the Customer availing the Services hereunder.

"One Way Communication" shall mean the service provided by ICICI Securities to the Customer on WhatsApp where ICICI Securities sends its Customer one-way messages through its Registered ICICI Securities Number in the nature of information, alerts, updates, transaction alerts in relation to the Customer's Trading Account and such other communications as ICICI Securities may enable from time to time, at its discretion.

"Privacy Policy/Privacy Commitment" shall have the meaning as ascribed on the Website; "Service(s)" shall mean the One Way Communication and Two Way Communication services provided by ICICI Securities by itself or through any of its service providers, to a Customer on WhatsApp.

"Two Way Communication" shall mean the service provided by ICICI Securities to the Customers on WhatsApp where the Customer can communicate with ICICI Securities by sending it messages in the form of making requests, seeking information, asking queries etc. on the Registered ICICI Securities Number and where ICICI Securities responds to such messages. However, this service and ICICI Securities responses shall be limited only to such queries, information, requests etc. as may be determined by ICICI Securities from time to time, at its sole discretion.

"WhatsApp" is the application provided by WhatsApp Inc. 1601 Willow Road, Menlo Park, California 94025.

2. INTERPRETATION

All references to singular include plural and vice versa and the word "includes" should be construed as "without limitation".
Words importing any gender include the other gender. 'We/us' refers to ICICI Securities and 'You/yours' refer to the customer using the WhatsApp facility.
Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations,amendments, re-enactments or replacements for the time being in force.
All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of these Terms and Conditions.
Reference to any law or legislation, regulation, rule shall mean, applicable, constitution, statute, law, rule, regulation, ordinance, judgment, order, decree, authorisation, or any published directive, guideline, notice, requirement or governmental restriction, having the force of law in any jurisdiction and include laws as amended from time to time.

3. PURPOSE

This WhatsApp platform serves as a supplementary medium through which we can communicate with you and provide Services and further enable certain services as ICICI Securities may decide in its sole discretion.

4. ELIGIBILITY FOR USING THE SERVICES

The Customer hereby agrees and undertakes that he/she shall use the Services only if he/she fulfills the eligibility as given below:

The Customer is an individual and is a major;
The Customer is a Guardian of a minor;
The Customer is of sound mind, solvent and competent to contract;
The Customer is a resident of India and is present in the territory of India at the time of utilization of the Services;
The Customer is a non-resident India (NRI) or is residing outside India.
The Customer is Principal Authorised Signatory of the Non Individual Account.

5. APPLICABILITY OF WHATSAPP TERMS AND CONDITIONS

These WhatsApp Terms and Conditions form a contract between the Customer and ICICI Securities. The Customer shall apply to ICICI Securities in the prescribed manner for availing of the Services. By applying and opting in for the Services, the Customer acknowledges that he has read, understood and accepted these WhatsApp Terms and Conditions and other specific terms and conditions as pertaining to the Account and any other products/offers/facilities and services availed by the Customer whether or not through WhatsApp.

No act, delay or omission by ICICI Securities shall affect its rights, powers and remedies under these Terms and Conditions and other terms on ICICI Securities website (www.icicidirect.com), hereinafter referred to as "Website".

The Customer hereby accepts and agrees that all Services and communications (both One Way Communication and Two Way Communication) taking place on WhatsApp, initiated either by ICICI Securities or the Customer, will be governed by and subject to these WhatsApp Terms and Conditions. Further, the Customer hereby agrees that the Customer grants express authority to ICICI Securities for carrying out the Services requested by the Customer on WhatsApp on its Registered ICICI Securities Number. Provided however that ICICI Securities shall not be required to authenticate the Customer, if any request for the Services comes on WhatsApp to ICICI Securities Registered Number, and in case of a Customer, if the number reflected in the requestor's mobile is a Customer's Registered Number, ICICI Securities shall be entitled to presume that it is the Customer itself which is interacting through WhatsApp and in case of any other Customer ICICI Securities shall be entitled to presume that the number reflected in the WhatsApp profile is the Customer's number and it is the Customer itself and not any other person who is interacting with ICICI Securities Registered Number. ICICI Securities's own record or log of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

6. SERVICES

The Customer agrees and accepts that ICICI Securities reserves the right to provide only such Services as ICICI Securities may at its discretion permit from time to time. ICICI Securities may also inform/update the availability/non-availability of any particular Service, at its sole discretion. The Customer hereby agrees that ICICI Securities may at any time, without notice to the Customer, modify, discontinue or make additions/deletions to the Services offered to the Customer. The Customer agrees that he shall not hold ICICI Securities responsible for not responding to the queries of/ information sought by the Customer or not providing a response to the satisfaction of the Customer or not processing any request of the Customer, in case such a message sent by the Customer in case ICICI Securities does not receive an instruction to this effect in its systems or the message sent by the Customer is not in the format as required by ICICI Securities or does not fall under the Services being offered by ICICI Securities at the time or ICICI Securities does not receive such a message for technical reasons or otherwise or for any reason whatsoever. ICICI Securities will have no liability in case of any fraud or impersonation incidents through the WhatsApp platform. Further, in case ICICI Securities permits any Service in the nature of a transaction, the Customer agrees that such a Service shall be subject to statutory/ regulatory limits and/or any limits that may be imposed by ICICI Securities, from time to time, at its sole discretion.

7. REGISTRATION AND VERIFICATION

For availing the One Way Communication and Two Way Communication service, the Customer agrees and confirms to have accepted (a) the WhatsApp Terms and Conditions applicable to the Customer for availing the Services mentioned herein; (b) the Privacy Policy of ICICI Securities applicable to the Customer for availing the Services mentioned herein; (c) any other Account/product/service/offer related specific terms and conditions as applicable and (d) all terms and conditions prescribed by WhatsApp for using its platform.

Provided that, ICICI Securities may modify the process for authentication, registration and/or verification of the Customer, for One Way Communication and/or Two-Way Communication, at any time, at its sole discretion.

8. UNSUBSCRIBE

You may choose/request for de-registration/un-subscription of the Services at any point of time by following the process as may be prescribed by ICICI Securities from time to time. Currently ICICI Securities provides the following channels for un-subscription:

Our Website: Visit the WhatsApp un-subscription section on our Website. Enter your mobile number. Enter the OTP received on your registered mobile number and submit.
Missed Call/ SMS to a specific number as updated on the Website.
Send 'STOP' keyword on the WhatsApp platform.

However, the Customer agrees that for this to come into effect, it may take such time as may be required by ICICI Securities. The Customer agrees that he will remain responsible for any requests made/ messages sent to ICICI Securities using the Services prior to the time such cancellation of the Services is effected by ICICI Securities. ICICI Securities will be at liberty to discontinue/ suspend/ terminate the Customer's use of the Services at any time without assigning any reason whatsoever. ICICI Securities may also discontinue or suspend or terminate Services/ facilities without prior notice if these Terms and Conditions are breached.

Once we have received the notification that you have unsubscribed, we will no longer process your information for the purpose(s) you originally agreed to and sent any further notification/message through WhatsApp, unless legally permissible otherwise.

9. IMPORTANT

The Customer shall apply to ICICI Securities for use of the Services (and/or for any changes to the options available under the Services) in such manner and through such modes as may be specified and made available by ICICI Securities from time to time including but not limited to application through forms as prescribed by ICICI Securities, 24-Hour customer care number, SMS if and when made available as permitted modes by ICICI Securities for use of the Services through the WhatsApp platform.
ICICI Securities in its sole discretion shall decide the devices, software platforms, versions, networks, methods, and data services that will be supported by the WhatsApp platform for providing these Services. Any attempts to modify unsupported versions for use in the WhatsApp platform will be treated an unauthorized use and violation ("Unauthorized Use") of these WhatsApp Terms and Conditions. The Services through the WhatsApp platform shall be suspended with immediate effect if there is Unauthorized Use by the Customer.
The Customer agrees that the Customer shall be responsible for upgrading any software, hardware and the operating system at his/her own cost from time to time so as to be compatible to continue to avail the Services offered by ICICI Securities. ICICI Securities shall be at liberty to change, vary or upgrade its software, hardware, operating systems, etc. from time to time and shall be under no obligation to support the software, hardware, operating systems used by the Customer and that the same shall be the Customer's sole responsibility. Some Services may not work on an outdated platform and hence it is Customer's sole responsibility to ensure timely upgradation of the WhatsApp platform.
By subscribing to Services on WhatsApp platform, the Customer agrees to get notifications via WhatsApp including account information, transaction details, and other services/communications. Customer also agrees to receive notifications including offers, new product features, any other important notification sent by ICICI Securities from time to time etc. on the Registered Customer Number via WhatsApp.
The Customer agrees that any Trading Account related Services at the discretion of ICICI Securities shall be provided to the Customers through WhatsApp platform only to a WhatsApp account associated with the Registered Customer Number.
The Customer is aware that it may not be possible for ICICI Securities to give detailed information on the Service/functionalities. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service or with respect to the limited information provided by ICICI Securities on WhatsApp. In case the Customer requires further information, Customer can reach out to ICICI Securities either in the nearest branch, on ICICI Securitiess Customer Care number or through any other channels provided by ICICI Securities.
The responses sent by ICICI Securities on WhatsApp platform (either for One Way Communication and/or Two Way Communication) are based on a program running at back-end. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any answers that the Customer may not find satisfactory or for any inaccuracies arising therefrom, ICICI Securities shall not be held responsible. The Customer may call Customer Care number or email at headservicequality@icicidirect.com or nri@icicidirect.com or visit www.icicidirect.com in case of any clarifications.
The Customer agrees that ICICI Securities and / or its affiliates may hold and process the Customers personal information concerning the account/s on computer or otherwise in connection with the WhatsApp facility. You agree and consent that we may collect, store, use and/or disclose your personal data for the Services as detailed on our Website. The Customer also agrees ICICI Securities may disclose, in strict confidence, to other institutions, its service providers, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive and for fraud prevention. The Customer using the WhatsApp facility authorizes ICICI Securities to collect and use technical information about the equipment and related software, hardware and peripherals and any data and information stored in the equipment, whether internet-based or wireless, to improve ICICI Securities products and to provide services to the Customer.
All records of ICICI Securities generated by the transactions arising out of use of the Services through the WhatsApp platform, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.
Where ICICI Securities considers the instructions to be inconsistent or contradictory with any past instructions or any simultaneous instructions provided by Customer to ICICI Securities through other channels provided by ICICI Securities it may seek clarification from the Customer before acting on any instruction of the Customer or act upon any such instruction as it may deem fit. ICICI Securities shall have the right to suspend the Services if ICICI Securities has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the customer.
The Customer accepts that all information /instructions will be transmitted to and /or stored at various locations and be accessed by personnel of ICICI Securities (and its affiliates) or its service providers.
On the Customer opting in for the Services through the WhatsApp platform, ICICI Securities has the discretion to stop sending these alerts on SMS or any other channel.
The Customer is responsible for keeping security safeguard of his WhatsApp account linked to the mobile number.
The Customer understands that using WhatsApp application may carry extra risks and may not be secured. Further any message and information exchanged is subject to the risk of being read, interrupted, intercepted, or defrauded by third party or otherwise subject to manipulation by third party or may involve delay in transmission. ICICI Securities shall not be responsible or liable to the customer or any third party for the consequences arising out of or in connection with using of this Service.
The Customer understands that mobile phones are vulnerable to the threats such as but not limited to -
- Access by intruders to the data /information
- Identity theft
- Privacy violations
- Planting of stealth software and viruses
- Disablement or distortion of operations
- Interception of the transmission of encrypted data/message etc.
- The Customer shall immediately notify ICICI Securities in writing if Customer discovers/ suspects unauthorized access.

ICICI Securities shall not be responsible or liable to the Customer or any third party for the consequences arising out of or in connection with using of this Service. The Customer should immediately opt-out of the Services as per the unsubscribe process as detailed in section 8 above.

The Customer is aware that using mobile applications involves many uncertain factors and complex software, hardware, systems, etc. which are susceptible to interruptions and dislocations. ICICI Securities does not make any representation or warranty that the WhatsApp facility/service will be available at all times without any interruption and further that ICICI Securities shall not be responsible for any variation, reduction or imposition of the terms or the customers inability to use the mobile application.
The Customer is aware that authenticated technologies and strict security measures are required for using mobile applications. Customer undertakes to ensure that the password is not revealed to any third party including ICICI Securities officials or any unauthorized person. Customer shall be solely responsible for all the communication exchanged between customer and ICICI Securities while logging into this service.
Under no circumstances shall ICICI Securities, or its officials, employees, be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use, this service or for receipt of any answer provided by ICICI Securities program running at the back-end.
The Customer agrees that the Customer shall not have any claim against ICICI Securities on account of any suspension, interruption, non-availability or malfunctioning of the WhatsApp service due to any link/mobile/system failure at ICICI Securities end for any reason thereof.
The Customer shall not reproduce, copy, or redistribute for commercial purposes any materials or design elements of this WhatsApp service.
The Customer shall ensure appropriate data network connection. Receipt of messages by Customer shall be subject to the data network connection and ICICI Securities shall not be held responsible for any delay or non-receipt of the responses at WhatsApp channel.
The Customer shall not submit or transmit any content through this WhatsApp channel that is:
- Obscene, Vulgar, or Pornographic, immoral, illegal, illicit, unethical etc.
- Encourages the commission of a crime or violation of any law.
- Violates any law in India and/or the jurisdiction in which customer resides.
- Infringes the intellectual or copyrights of ICICI Securities or a third party.
- Constitute confidential information and/or personal or sensitive information/data belonging to the Customer or any third person.
ICICI Securities reserves the right to remove or otherwise delete any content or submissions made by the Customer that violates the rules or which are inappropriate, as per ICICI Securities's sole discretion, without any liability or giving warning to the Customer.
All instructions for availing the services under the WhatsApp facility shall be provided through the Registered Customer Number in the manner indicated by ICICI Securities. The Customer is also responsible for the accuracy and authenticity of the instructions provided to ICICI Securities and the same shall be considered to be sufficient for availing of the services under the WhatsApp facility. The alerts would be sent on the mobile phone number, last registered with ICICI Securities.
The Customer agrees that if he/she notices any error in any information supplied to the Customer by the use of any of the Services, the Customer shall inform ICICI Securities of the same, as soon as possible. ICICI Securities will endeavor to correct the error promptly. The Customer agrees that all outputs of statements that may appear on WhatsApp, upon making a request to that effect, are information extracted from a computerized back up system maintained by ICICI Securities and may not be continuously be updated in real time. ICICI Securities shall provide the information as may be last updated on the systems of ICICI Securities. While ICICI Securities will take all reasonable steps to ensure the accuracy of the statement, ICICI Securities is not liable for any error and shall not hold ICICI Securities responsible for any loss incurred or action taken by the Customer by relying on such information.
The Customer agrees that the responses received by the Customer from ICICI Securities are based on program running at backend. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any inappropriate/inaccurate answers or any answers that the Customers may not find satisfactory, ICICI Securities shall not be held responsible.
It is recommended for Customers who have subscribed to this WhatsApp service to delete WhatsApp application when changing their device so as to ensure there is no misuse of the same.
That all the Services provided to the Customer are subject to applicable law and the rules, regulations, notifications, circulars and guidelines introduced or amended from time to time by Securities & Exchange Board of India and/or any regulatory/ statutory/ governmental authority.
ICICI Securities has the right to retract the Customer's right to utilize the Service anytime it deems fit without any notice to the Customer.
The Customer hereby acknowledges that he is availing the Service(s) at his own risk and the Customer shall not hold ICICI Securities responsible or liable for any of the risks including but not limited to the following:
- Password misuse- The Customer acknowledges that if any third person obtains access to the Customer's device or SIM card or the Customer's WhatsApp, such third party may be in a position to access Customer information including Trading Account related information of the Customer, which may be confidential in nature.
- Mistake/Error- the Customer acknowledges that the Customer may be sent responses or shown information which may not be applicable to him/her or may not be sent a satisfactory response, and the Customer agrees that in such a scenario ICICI Securities shall not be liable for any loss to the Customer in this regard. The Customer shall therefore take all care to ensure that there are no mistakes and errors and that the message sent/ request made/ query asked by the Customer to ICICI Securities in this regard is error free, accurate, proper and complete at all points of time. The Customer agrees that ICICI Securities is providing the Services at the Customer's sole risk. The Customer agrees that ICICI Securities shall not be liable for any loss, damages or consequences whatsoever arising due to any erroneous or incomplete information or any delay in executing the instructions for reasons beyond the control of ICICI Securities. The Customer shall be liable and responsible to ICICI Securities and accede to accept ICICI Securities's instructions without questions for any unfair or unjust gain obtained by him in the course of availing of the Services.
- It may also be possible that the site of ICICI Securities may require maintenance or is otherwise down or there is a technical failure and during such time it may not be possible to process the request of the Customers. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability. The Customer understands that ICICI Securities disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by ICICI Securities to honour any Customer instruction for whatsoever reason. The Customer unequivocally and unconditionally understands and accepts that ICICI Securities shall not be responsible for any of the aforesaid risks. The Customer also accepts that ICICI Securities shall disclaim all liability in respect of the said risks.
The Customer agrees that the Registered ICICI Securities Number on the WhatsApp platform cannot be used for grievance redressal or reporting fraud as of now, ICICI Securities will have no liability on reporting of such incidents received through WhatsApp. The Customer may call Customer Care number or email at headservicequality@icicisecurities.com or visit www.icicidirect.com in case of any clarifications.
These WhatsApp Terms and Conditions may be withdrawn, superseded or modified at any time whatsoever, by ICICI Securities without any prior notice.

10. THIRD PARTY

WhatsApp is owned by a third-party unaffiliated with ICICI Securities. The Customer shall independently be guided by the privacy policies of WhatsApp and the third parties or group companies of WhatsApp and ICICI Securities has no control over them. ICICI Securities is not responsible for the privacy or security policies at these sites or other third-party sites that may be linked to within ICICI Securities's social media channels. The Customer should always review the privacy and security practices and policies of each third-party site you visit. ICICI Securities does not endorse and is not responsible for any ads, content, products, advice, opinions, recommendations or other material of third-party sites that may be promoted via advertising within any social media channels.

The Customer further understands and agree that WhatsApp or any other service provider through which we are providing the WhatsApp facility can review and monitor, store the contents shared/communicated through the WhatsApp or other service provider(s) and may share the same with third parties.

Hence, we strongly recommend that you:

Never share privacy-sensitive details via WhatsApp messages/ through the WhatsApp facility.
That we will not send messages of our own accord this way and will only respond to the messages sent to us except for any important communication and awareness messages.
Not to contact us through the WhatsApp channel for complaints, grievances or similar important matters.

11. DISCLAIMER OF LIABILITY

ICICI Securities shall not be responsible for any failure on the part of the Customer to utilize the WhatsApp facility due to the Customer not being within the geographical range within which the WhatsApp facility is offered and which forms part of the roaming network of such cellular service provider, providing services to the Customer availing such roaming facility from the respective cellular service provider. If the customer has reason to believe that the mobile phone number is / has been allotted to another person and / or there has been an unauthorized transaction in the account and / or his mobile phone handset is lost, he shall immediately inform ICICI Securities of the same.

The Customer agrees that ICICI Securities shall not be liable if:

the Customer has breached any of the terms and conditions, contained herein or
the Customer has contributed to or the loss is a result of failure on part of the Customer to advise ICICI Securities within a reasonable time about unauthorized access of or erroneous transactions by use of the Services; or
as a result of failure on part of the Customer to advise ICICI Securities of a change in or termination of the Customer's mobile phone numbers/SIM ("Subscriber Identity Module") cards.
there has been an unauthorized transaction/instruction provided through the WhatsApp channel as a result of any person having control or custody of telecommunications instrument (such as the mobile handset) so that such instrument may be used to give telecommunications instruction without authorization or any other issue/default/error/technological problem in the telecommunication instrument (such as the mobile handset) or duplication of mobile number / SIM of the Customer such as but not limited to SIM card cloning, virus in handset etc.

ICICI Securities shall endeavor to provide the WhatsApp facility on a best effort basis and the Customer shall not hold ICICI Securities liable for non-availability of the WhatsApp facility or non-performance by service providers, if any, engaged by ICICI Securities or any loss or damage caused to the Customer as a result of use of the WhatsApp facility for causes which are not attributable to ICICI Securities. ICICI Securities shall not be liable in any manner to the Customer in connection with the use of the WhatsApp facility.

ICICI Securities shall endeavor to carry out the instructions received from the Customer through the WhatsApp channel promptly, provided that ICICI Securities, shall not be responsible for the delay in carrying out such instructions due to any reason whatsoever, including, but not limited to, failure of operational system or any requirement of law or ICICI Securities's internal policies.

The Customer accepts that each WhatsApp communication may contain certain account information relating to the Customer. The Customer authorizes ICICI Securities to send account related information, though not specifically requested, if ICICI Securities deems that the same is relevant.

ICICI Securities shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the WhatsApp facility. The Customer agrees that the access to the WhatsApp facility shall be only through the Registered Customer Number and any transaction which originates from the same, whether initiated by the Customer or not, shall be deemed to have originated from the Customer.

Under no circumstance, ICICI Securities shall be held liable if the WhatsApp facility is not available for reasons including but not limited to natural calamities, epidemic/pandemic, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Securities. ICICI Securities shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the WhatsApp facility shall render the customer liable for payment of financial charges as decided by ICICI Securities or will result in suspension of the WhatsApp facility for the Customer.

ICICI Securities is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by ICICI Securities in that behalf or otherwise) to the Customer, which may affect the WhatsApp facility.

ICICI Securities, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the WhatsApp facility. ICICI Securities makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the WhatsApp facility.

Without limitation to the other provisions of these WhatsApp Terms and Conditions, ICICI Securities, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of ICICI Securities in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any cellular service provider and ICICI Securities's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, ICICI Securities's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the WhatsApp.

Notwithstanding anything in the contrary provided in this terms and conditions, ICICI Securities shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular service provider or any third party service provider or WhatsApp (whether appointed by ICICI Securities for such purpose or otherwise) while availing these Services through the WhatsApp platform.

The Customer shall not interfere with or misuse in any manner whatsoever the WhatsApp facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages to ICICI Securities or for any losses suffered by ICICI Securities.

The Customer is solely responsible for protecting his/her OTP/debit card PIN/ password or mobile phone number and any other password and/or any other mode of verification as prescribed/ issued by ICICI Securities for the use of the WhatsApp facility from time to time without any liability of ICICI Securities in this regard. The Customer hereby agrees and accepts that he/she shall at all times be solely responsible for the protection and safe keep of his/her SIM card, Device and the applications installed thereon, specifically WhatsApp, login IDs, Customer Information, security details and passwords as mentioned hereinabove and hereby fully agrees that ICICI Securities shall in no manner be liable for any direct or indirect or consequential or other loss arising out of any action or omission because of compromise of the same in any manner whatsoever.

The Customer agrees that ICICI Securities assumes no liability whatsoever in case of any event of such compromise of the Customer's WhatsApp and ICICI Securities shall not be held responsible for any such event. Further, the Customer agrees and understands that WhatsApp can also be logged on from more than one device at the same time, including by using web log in and the Customer is aware of the risk in this regard while availing the Services such as compromise of Customer Information, breach of security of the Customer's WhatsApp account from a device other than the Customers and the Customer undertakes to be vigilant and careful and takes full responsibility for the security of his/her WhatsApp account. ICICI Securities shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of this Service.

ICICI Securities will not be liable for:

any unauthorized use of the customer's password or mobile phone number or for any fraudulent, duplicate or erroneous instructions given on the WhatsApp channel;
acting in good faith on any instructions received by ICICI Securities from or on behalf of the Customer in relation to the WhatsApp facility;
error, default, delay or inability of ICICI Securities to act on all or any of the instructions given by the Customer due to any reason;
loss of any information/instructions in transmission;
unauthorized access by any other person to any information /instructions given by the Customer or breach of confidentiality;

ICICI Securities makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider or by WhatsApp or any other service provider enabling ICICI Securities to deliver services through WhatsApp to the Customers.

ICICI Securities may provide any other services as a part of the WhatsApp facility and ICICI Securities shall not be liable for the oversight on part of the Customer to update himself /herself with the addition of services which have been included in the WhatsApp facility.

12. INDEMNITY

In consideration of ICICI Securities providing the WhatsApp facility, the Customer, at his own expense, agrees to indemnify, defend and hold harmless, ICICI Securities, its directors and employees, representatives, agents, customers and/or the affiliates, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that ICICI Securities may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the Customer or otherwise for use of the WhatsApp facility.

The Customer further specifically agrees to indemnify, defend and hold harmless, ICICI Securities and/or its affiliates from any losses occurring as a result of the:

the Customer permitting any third parties to use the WhatsApp facility.
the Customer permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone and ICICI Securities acting/not acting on any instructions received from the same.
the Customer having breached the WhatsApp Terms and Conditions.

13. TERMINATION

ICICI Securities may, at its discretion, withdraw temporarily or terminate the WhatsApp facility, either wholly or in part, at any time without giving prior notice to the Customer. ICICI Securities may, without prior notice, suspend the WhatsApp facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the WhatsApp facility.

ICICI Securities may suspend or terminate WhatsApp facility without prior notice if the Customer has breached these WhatsApp Terms and Conditions or ICICI Securities learns of the death, bankruptcy.

14. PROPRIETARY RIGHTS

The Customer acknowledges that the software/ other internet related software which are required for providing the Services or any Intellectual Property Rights of ICICI Securities in the process are the legal property of ICICI Securities/ respective service providers. The permission given by ICICI Securities to avail of the Services to the Customer will/ does not create or convey any rights, title or interest to the Customer or to any person, in the above software or Intellectual Property Rights of ICICI Securities. The Customer agrees that he shall not attempt to modify, translate, disassemble, decompile or reverse engineer such software or create any derivative product based on the software.

15. DISCLOSURE

The Customer hereby expressly authorize and give consent to ICICI Securities to share, exchange, disclose, transfer or part with any of Trading Account information or personal data, contained provided to/ available with ICICI Securities, when ICICI Securities considers such disclosure as necessary or expedient, with:

WhatsApp, employees or agents of ICICI Securities, group entities, subsidiaries, branches in any jurisdiction;
Auditors, KYC Registration Agency, any court or tribunal or any statutory, regulatory, judicial, governmental or administrative authority Central KYC registry, SEBI Know your client registration agency having jurisdiction over ICICI Securities or its group entities/subsidiaries/branches;
Service providers or any such person with whom ICICI Securities contracts or proposes to contract in relation to the provision of services in respect of the account or facilities;

For the purpose: -

of compliance with applicable laws or any order (judicial or otherwise), statutory or regulatory requirement to which ICICI Securities, it's subsidiaries or any it's branches are subject to; or
of facilitating transactions through the WhatsApp platform or otherwise; or
for authentication or verification purposes, or
research, risk management, anti-money laundering checks or
to design financial services and to offer an enhanced, personalized online experience on the Website and third party websites or otherwise.
for enabling registration/verification/offering of any products or any investments to be made by the Customer with ICICI Securities's group companies/other companies.

16. GOVERNING LAW

These WhatsApp terms and conditions shall be governed by laws of India. Any dispute or differences arising out of or in connection with the WhatsApp facility shall be subject to the exclusive jurisdiction of the Courts of Mumbai. ICICI Securities accepts no liability whatsoever, direct or indirect for noncompliance with the laws of any country other than that of India. The mere fact that the WhatsApp facility can be accessed by a Customer in a country other than India does not imply that the laws of the said country govern these terms and conditions and / or the operations in the account/s/services/offers provided to the customer and / or the use of the WhatsApp facility.

DISCLAIMER:

ICICI Securities may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/ services provided.
WhatsApp or any other service provider through which we are providing the WhatsApp facility can/may review and monitor, store the contents (including text, images, videos or other materials) shared/communicated through the WhatsApp platform or other service provider(s) and may share/disclose the same with third parties.
ICICI Securities shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular service provider or any third party service provider or WhatsApp (whether appointed by ICICI Securities for such purpose or otherwise) while availing these Services through the WhatsApp platform and the Customer agrees to directly take up any claim/dispute with respect to the usage of WhatsApp platform directly with WhatsApp.

I accept the terms and conditions and I have read the privacy policy.

Life Insurance Corporation of India 05 Nov 2026 18:26 PM

Result PDF

Life Insurance Corporation of India announced Q2FY27 results

Standalone Financial Highlights:

Revenue from operations (represented by Net Premium Income) stood at Rs 1,47,018.18 crore in Q2FY27, showing a YoY growth of 16.24% compared to Rs 1,26,479.26 crore in Q2FY26, and a QoQ increase of 15.53% from Rs 1,27,250.41 crore in Q1FY27. For H1FY27, Net Premium Income crossed Rs 2,74,268.59 crore, up 11.64% YoY from Rs 2,45,679.65 crore in H1FY26.
Total income stood at Rs 2,62,739.27 crore in Q2FY27, registering a YoY increase of 9.65% compared to Rs 239,613.69 crore in Q2FY26, and a QoQ growth of 10.46% against Rs 237,847.70 crore in Q1FY27. For H1FY27, standalone total income reached Rs 5,00,586.97 crore, representing a YoY expansion of 8.24% from Rs 4,62,477.30 crore in H1FY26.
Profit before tax (PBT) reached Rs 12,125.82 crore in Q2FY27, marking a YoY growth of 19.50% compared to Rs 10,146.97 crore in Q2FY26, and a QoQ decline of 10.73% against Rs 13,583.96 crore in Q1FY27. During H1FY27, standalone PBT stood at Rs 25,709.78 crore, reflecting a YoY growth of 21.54% from Rs 21,153.11 crore in H1FY26.
Profit after tax (PAT) landed at Rs 12,076.02 crore in Q2FY27, registering a YoY increase of 20.12% compared to Rs 10,053.39 crore in Q2FY26, and down 10.50% QoQ against Rs 13,492.03 crore in Q1FY27. For H1FY27, standalone PAT reached Rs 25,568.05 crore, delivering a YoY increase of 21.52% from Rs 21,039.90 crore in H1FY26.
Earnings per equity share (EPS) stood at Rs 9.55 in Q2FY27, higher by 20.13% YoY compared to Rs 7.95 in Q2FY26, and down 10.50% QoQ from Rs 10.67 in Q1FY27. For H1FY27, Basic standalone EPS reached Rs 20.21, a YoY growth of 21.53% against Rs 16.63 in H1FY26.
Interest Earned (represented by Net Investment Income under the Policyholders' A/c) stood at Rs 1,14,983.77 crore in Q2FY27, reflecting a YoY increase of 2.53% compared to Rs 112,147.16 crore in Q2FY26, and up 5.15% QoQ from Rs 1,09,351.45 crore in Q1FY27. For H1FY27, Net Investment Income reached Rs 2,24,335.22 crore, up 4.30% YoY against Rs 2,15,077.36 crore in H1FY26.

Consolidated Financial Highlights:

Revenue from operations (represented by Net Premium Income) stood at Rs 1,47,433.15 crore in Q2FY27, reflecting a YoY growth of 16.15% compared to Rs 1,26,930.04 crore in Q2FY26, and a QoQ increase of 15.52% from Rs 1,27,623.16 crore in Q1FY27. For H1FY27, consolidated Net Premium Income stood at Rs 2,75,056.31 crore, showing a YoY growth of 11.56% against Rs 2,46,548.45 crore in H1FY26.
Total income reached Rs 2,63,208.04 crore in Q2FY27, showcasing a YoY expansion of 9.46% over Rs 2,40,454.46 crore in Q2FY26, and climbing 10.33% QoQ from Rs 2,38,557.67 crore in Q1FY27. For H1FY27, consolidated total income came in at Rs 5,01 ,765.71 crore, representing a YoY increase of 8.13% from Rs 4,64,059.50 crore in H1FY26.
Profit before tax (PBT) stood at Rs 12,174.56 crore in Q2FY27, jumping by 19.34% YoY from Rs 10,201.68 crore in Q2FY26, and declining 11.05% QoQ against Rs 13,686.39 crore in Q1FY27. For H1FY27, consolidated PBT reached Rs 25,860.95 crore, delivering a YoY advance of 22.06% from Rs 21,187.45 crore in H1FY26.
Profit after tax (PAT) landed at Rs 12,114.78 crore in Q2FY27, registering a YoY increase of 19.97% against Rs 10,098.48 crore in Q2FY26, and decreasing 10.82% QoQ compared to Rs 13,584.25 crore in Q1FY27. For H1FY27, consolidated PAT was recorded at Rs 25,699.03 crore, up by 22.05% YoY against Rs 21,055.53 crore in H1FY26.
Earnings per equity share (EPS) stood at Rs 9.58 in Q2FY27, scaling up 20.05% YoY from Rs 7.98 in Q2FY26, and dropping 10.80% QoQ from Rs 10.74 in Q1FY27. For H1FY27, Basic consolidated EPS reached Rs 20.32, marking a YoY growth of 22.12% against Rs 16.64 in H1FY26.
Interest Earned (represented by Net Investment Income under the Policyholders' A/c) stood at Rs 1,15,033.85 crore in Q2FY27, higher by 2.23% YoY from Rs 1,12,528.25 crore in Q2FY26, and moving up 4.88% QoQ from Rs 1,09,685.30 crore in Q1FY27. For H1FY27, Net Investment Income reached Rs 2,24,719.15 crore, up 4.14% YoY over Rs 2,15,780.24 crore in H1FY26.

Business & Segment Performance:

Segment A (Life Participating): Reported a segment surplus of Rs 12.72 crore in Q2FY27 and Rs 38.17 crore in H1FY27.
Segment B (Pension Participating): Recorded a segment surplus of Rs 107.39 crore in Q2FY27 and Rs 157.90 crore in H1FY27.
Segment C (Annuity Participating): Incurred a segment deficit of Rs 13.25 crore in Q2FY27 and generated a surplus of Rs 38.94 crore in H1FY27.
Segment D (Life Non Participating): Generated a substantial segment surplus of Rs 9,768.46 crore in Q2FY27 and Rs 21,183.94 crore in H1FY27.
Segment E (Pension Non Participating): Documented a segment surplus of Rs 527.30 crore in Q2FY27 and Rs 734.96 crore in H1FY27.
Segment F (Annuity Non Participating): Posted a segment surplus of Rs 199.39 crore in Q2FY27 and Rs 551.95 crore in H1FY27.
Segment G (Variable Non Participating): Suffered a segment deficit of Rs 3.06 crore in Q2FY27 and a deficit of Rs 9.68 crore in H1FY27.
Segment H (Health Non Participating): Noted a segment surplus of Rs 17.14 crore in Q2FY27 and Rs 57.20 crore in H1FY27.
Segment I (Linked Life Non Participating): Faced a segment deficit of Rs 21.61 crore in Q2FY27 and earned a surplus of Rs 55.92 crore in H1FY27.
Segment J (Linked Pension Non Participating): Achieved a segment surplus of Rs 13.24 crore in Q2FY27 and Rs 45.18 crore in H1FY27.
Segment K (Linked Health Non Participating): Reported a segment surplus of Rs 8.19 crore in Q2FY27 and Rs 20.66 crore in H1FY27.
Segment L (Capital Redemption and Annuity Certain - CRAC): Logged a segment surplus of Rs 4.74 crore in Q2FY27 and Rs 13.60 crore in H1FY27.

R Doraiswamy, CEO & MD, LIC, said:“We at LIC are very optimistic about the positive impact of the Proposed commission Regulations changes announced for the Insurance Industry by the IRDAI during September 2026. We believe that most of these changes are in the best interest of customers and will lead to further accelerated growth of the life insurance industry in India.

From a business perspective during the first half of this year (FY 2026-27), LIC has once again demonstrated the successful implementation of its strategy pertaining to both product and channel diversification, that we have been pursuing since our listing. The Non Par APE share of Individual business for H1 FY27 is 34.03%, in line with our current strategy of maintaining levels of one third of Individual APE from Non Par products. The Banca and Alternate Channels share of Individual NBP is now 7.53% for H1 FY27 as compared to 7.12% similar period of previous year, demonstrating a growth of 21.44%. While we have seen the VNB increase by 33.95% in H1 FY27 to Rs 6,846 crore, our VNB margin has also expanded by 470 bps to 22.3% in H1 FY27. While we expand our overall profitability through diversification of product and channel mix, we are also working towards optimizing costs across the entire business. We remain thankful to all our stakeholders for their continued support.”

Result PDF

Q2FY27 Quarterly Result Announced for Go Digit General Insurance Ltd.

Go Digit General Insurance announced Q2FY27 results

Financial Highlights:

Revenue from operations (represented by Total Insurance Revenue) stood at Rs 2,72,049 lakh in Q2FY27, reflecting a YoY growth of 1.71% compared to Rs 2,67,485 lakh in Q2FY26 and a QoQ increase of 2.06% from Rs 2,66,560 lakh in Q1FY27. For H1FY27, the revenue from operations reached Rs 5,38,609 lakh, up by 4.54% YoY against Rs 5,15,238 lakh in H1FY26.
Total income (calculated as the sum of Total Insurance Revenue, Total Investment Income, and Other Income) stood at Rs 3,09,195 lakh in Q2FY27, registering a YoY increase of 3.69% compared to Rs 2,98,192 lakh in Q2FY26, and a QoQ decrease of 5.56% from Rs 3,27,401 lakh in Q1FY27. For H1FY27, total income reached Rs 6,36,596 lakh, which is a YoY increase of 6.92% against Rs 5,95,419 lakh in H1FY26.
Profit before tax (PBT) came in at Rs 19,018 lakh in Q2FY27, showing a YoY decrease of 31.17% compared to Rs 27,630 lakh in Q2FY26, and a QoQ drop of 62.41% from Rs 50,596 lakh in Q1FY27. For H1FY27, PBT stood at Rs 69,614 lakh, representing a YoY decline of 3.21% from Rs 71,922 lakh in H1FY26.
Profit after tax (PAT) was reported at Rs 14,239 lakh in Q2FY27, lower by 31.14% YoY against Rs 20,679 lakh in Q2FY26, and down by 62.39% QoQ from Rs 37,861 lakh in Q1FY27. For H1FY27, PAT stood at Rs 52,100 lakh, down by 3.20% YoY compared to Rs 53,823 lakh in H1FY26.
Earnings per equity share (EPS) stood at Rs 1.54 in Q2FY27, a decline of 31.25% YoY from Rs 2.24 in Q2FY26, and a drop of 62.44% QoQ from Rs 4.10 in Q1FY27. For H1FY27, Basic EPS was reported at Rs 5.63, reflecting a YoY drop of 3.43% against Rs 5.83 in H1FY26.

Business & Segment Highlights:

Fire Insurance: Reported a segment profit of Rs 3,141 lakh in Q2FY27 and Rs 10,603 lakh in H1FY27.
Marine Insurance: Recorded a segment profit of Rs 216 lakh in Q2FY27 and Rs 769 lakh in H1FY27.
Motor Insurance:
- Motor Own Damage (OD): Experienced a segment loss of Rs 15,755 lakh in Q2FY27 and a loss of Rs 29,680 lakh in H1FY27.
- Motor Third Party (TP): Generated a segment profit of Rs 24,505 lakh in Q2FY27 and Rs 49,752 lakh in H1FY27.
Health Insurance: Posted a segment profit of Rs 640 lakh in Q2FY27 and Rs 1,669 lakh in H1FY27.
Personal Accident: Achieved a segment profit of Rs 1,102 lakh in Q2FY27 and Rs 4,549 lakh in H1FY27.
Travel Insurance: Registered a segment profit of Rs 266 lakh in Q2FY27 and Rs 231 lakh in H1FY27.
Engineering: Earned a segment profit of Rs 1,091 lakh in Q2FY27 and Rs 1,980 lakh in H1FY27.
Aviation: Documented a segment profit of Rs 89 lakh in Q2FY27 and Rs 189 lakh in H1FY27.
Public/ Product Liability: Posted a segment profit of Rs 127 lakh in Q2FY27 and Rs 1,338 lakh in H1FY27.
Workmen Compensation: Noted a segment profit of Rs 1,526 lakh in Q2FY27 and Rs 1,789 lakh in H1FY27.
Crop Insurance: Earned a segment profit of Rs 516 lakh in Q2FY27 and Rs 1,636 lakh in H1FY27.
Other Miscellaneous: Delivered a segment profit of Rs 4,406 lakh in Q2FY27 and Rs 4,211 lakh in H1FY27.

Result PDF

Q2FY27 Quarterly Result Announced for General Insurance Corporation of India

General Insurance Corporation of India announced Q2FY27 results

Consolidated Financial Highlights:

Premium Earned (Net): For Q2FY27, net premium earned stood at Rs 10,71,161 lakh, up 20.01% YoY against Rs 8,92,533 lakh in Q2FY26 and down 3.48% QoQ from Rs 11,09,777 lakh in Q1FY27. For H1FY27, net premium earned reached Rs 21,80,939 lakh, recording a YoY expansion of 7.97% against Rs 20,19,921 lakh in H1FY26.
Total Income: For Q2FY27, consolidated total income registered at Rs 13,63,304 lakh, reflecting a YoY growth of 15.00% compared to Rs 11,85,490 lakh in Q2FY26 and a sequential expansion of 2.04% over Rs 13,36,054 lakh in Q1FY27. For H1FY27, total income reached Rs 26,99,358 lakh, growing by 6.28% YoY from Rs 25,39,763 lakh in H1FY26.
Profit Before Tax (PBT): For Q2FY27, PBT stood at Rs 3,59,848 lakh, registering a YoY increase of 8.55% against Rs 3,31,510 lakh in Q2FY26 and a sequential growth of 64.18% over Rs 2,19,178 lakh in Q1FY27. For H1FY27, PBT was recorded at Rs 5,79,025 lakh, marking a YoY contraction of 3.15% from Rs 5,97,877 lakh in H1FY26.
PAT / Profit for the period: For Q2FY27, profit for the period reached Rs 2,96,569 lakh, increasing by 3.21% YoY from Rs 2,87,354 lakh in Q2FY26 and climbing 70.08% QoQ from Rs 1,74,367 lakh in Q1FY27. For H1FY27, profit for the period was Rs 4,70,936 lakh, experiencing a YoY reduction of 12.86% compared to Rs 5,40,413 lakh in H1FY26.
Earnings per share (EPS): For Q2FY27, basic and diluted EPS (not annualized) stood at Rs 16.90, higher by 3.17% YoY from Rs 16.38 in Q2FY26 and increasing 70.02% QoQ from Rs 9.94 in Q1FY27. For H1FY27, basic and diluted EPS was recorded at Rs 26.84, down 12.86% YoY from Rs 30.80 in H1FY26.
Interest Earned & Revenue parameters: Revenue from operations is contextually represented via Net Premium written and investment metrics in the insurance structure. Net Premium Written for Q2FY27 was Rs 10,57,766 lakh (up 23.17% YoY and down 16.85% QoQ) and Rs 23,29,822 lakh for H1FY27. Consolidated income from investments (net) stood at Rs 2,82,794 lakh for Q2FY27 and Rs 5,01,487 lakh for H1FY27.

Standalone Financial Highlights:

Premium Earned (Net): For Q2FY27, standalone net premium earned stood at Rs 10,55,968 lakh, achieving a YoY growth of 18.32% over Rs 8,92,480 lakh in Q2FY26, while dropping 4.71% sequentially against Rs 11,08,146 lakh in Q1FY27. For H1FY27, standalone net premium earned stood at Rs 21,64,114 lakh, up 8.14% YoY from Rs 20,01,301 lakh in H1FY26.
Total Income: For Q2FY27, standalone total income reached Rs 13,46,945 lakh, up 13.85% YoY from Rs 11,83,126 lakh in Q2FY26 and rising 1.04% QoQ from Rs 13,33,038 lakh in Q1FY27. For H1FY27, total income stood at Rs 26,79,983 lakh, registering a YoY expansion of 6.42% over Rs 25,18,309 lakh in H1FY26.
Profit Before Tax (PBT): For Q2FY27, standalone PBT stood at Rs 3,10,154 lakh, displaying a YoY reduction of 10.69% compared to Rs 3,47,276 lakh in Q2FY26, but increasing 24.55% sequentially over Rs 2,49,025 lakh in Q1FY27. For H1FY27, standalone PBT was recorded at Rs 5,59,179 lakh, down 2.18% YoY against Rs 5,71,630 lakh in H1FY26.
Net Profit After Tax (PAT): For Q2FY27, standalone PAT reached Rs 2,45,562 lakh, declining by 14.34% YoY from Rs 2,86,679 lakh in Q2FY26, but picking up by 27.76% sequentially from Rs 1,92,204 lakh in Q1FY27. For H1FY27, standalone PAT stood at Rs 4,37,766 lakh, shifting downwards by 5.23% YoY from Rs 4,61,902 lakh in H1FY26.
Earnings per share (EPS): For Q2FY27, standalone basic and diluted EPS stood at Rs 14.00, down 14.32% YoY from Rs 16.34 in Q2FY26 and expanding 27.74% QoQ from Rs 10.96 in Q1FY27. For H1FY27, basic and diluted EPS was recorded at Rs 24.95, a decrease of 5.24% YoY against Rs 26.33 in H1FY26.
Interest Earned & Net Premium metrics: Standalone Net Premium Written was Rs 10,56,203 lakh for Q2FY27 (increasing 21.92% YoY and decreasing 16.60% QoQ) and Rs 23,22,615 lakh for H1FY27. Standalone investment income (net) registered at Rs 2,81,531 lakh for Q2FY27 and Rs 4,98,679 lakh for H1FY27.

Business Segment Performance:

Fire: Q2FY27 Net Premium was Rs 2,61,550 lakh (down 2.83% YoY and down 7.99% QoQ); H1FY27 stood at Rs 5,45,801 lakh. Q2FY27 segment operating profit reached Rs 1,42,845 lakh, expanding 44.12% YoY from Rs 99,116 lakh and up 96.08% QoQ over Rs 72,852 lakh.
Health: Q2FY27 Net Premium reached Rs 3,15,025 lakh (expanding 52.29% YoY and down 7.43% QoQ); H1FY27 reached Rs 6,55,327 lakh. Q2FY27 operating segment output registered a loss of Rs 11,447 lakh, sliding QoQ from a loss of Rs 26,014 lakh and falling YoY against a profit of Rs 40,443 lakh.
Motor: Q2FY27 Net Premium stood at Rs 1,89,069 lakh (up 16.46% YoY and up 0.48% QoQ); H1FY27 recorded Rs 3,77,236 lakh. Q2FY27 operating profit was Rs 25,952 lakh, up 9.47% YoY from Rs 23,706 lakh and down 4.46% QoQ against Rs 27,163 lakh.
Agriculture: Q2FY27 Net Premium was Rs 43,473 lakh (up 10.23% YoY and down 72.94% QoQ); H1FY27 recorded Rs 2,04,151 lakh. Q2FY27 segment operating profit reached Rs 27,311 lakh, growing substantially YoY from Rs 6,205 lakh and rising 0.66% QoQ over Rs 27,132 lakh.
Life: Q2FY27 Net Premium was Rs 72,920 lakh (up 42.59% YoY and down 46.20% QoQ); H1FY27 was Rs 2,08,458 lakh. Q2FY27 segment operating profit reached Rs 24,326 lakh, turning around sequentially from a loss of Rs 15,812 lakh and changing from a loss of Rs 2,736 lakh in Q2FY26.

Result PDF

Q2FY27 Quarterly Result Announced for The New India Assurance Company Ltd.

The New India Assurance Company announced Q2FY27 results

Standalone Financial Highlights:

Total Income: In Q2FY27, standalone total income stood at Rs 12,53,939 lakh, reflecting an increase of 11.60% QoQ from Rs 11,23,595 lakh in Q1FY27 and an increase of 1.84% YoY against Rs 12,31,299 lakh in Q2FY26. For H1FY27, standalone total income recorded Rs 23,77,534 lakh, showing a growth of 1.87% YoY from Rs 23,33,868 lakh in H1FY26.
Profit Before Tax (PBT): In Q2FY27, standalone results recorded a loss before tax of Rs 1,21,917 lakh, representing an increase in loss of 537.01% QoQ compared to a loss of Rs 19,139 lakh in Q1FY27, and a negative turnaround of 1,869.22% YoY against a profit before tax of Rs 6,891 lakh in Q2FY26. For H1FY27, the standalone loss before tax was Rs 1,41,056 lakh compared to a profit before tax of Rs 45,786 lakh in H1FY26.
Profit After Tax (PAT): In Q2FY27, standalone net loss after tax stood at Rs 1,26,704 lakh, reflecting an increase in loss of 393.45% QoQ from a loss of Rs 25,677 lakh in Q1FY27, and a negative turnaround of 2,103.23% YoY from a profit after tax of Rs 6,325 lakh in Q2FY26. For H1FY27, the standalone net loss after tax was Rs 1,52,381 lakh against a net profit after tax of Rs 45,426 lakh in H1FY26.
Earnings Per Share (EPS): In Q2FY27, standalone basic and diluted EPS (after extraordinary items) was negative Rs 7.69, down from negative Rs 1.56 in Q1FY27 and down from positive Rs 0.38 in Q2FY26. For H1FY27, standalone basic and diluted EPS was negative Rs 9.25 versus positive Rs 2.76 in H1FY26.

Consolidated Financial Highlights:

Total Income: In Q2FY27, consolidated total income stood at Rs 12,60,078 lakh, growing by 11.51% QoQ compared to Rs 11,30,012 lakh in Q1FY27 and by 2.12% YoY from Rs 12,33,969 lakh in Q2FY26. For H1FY27, consolidated total income was Rs 23,90,090 lakh, showing a 2.05% YoY expansion over Rs 23,42,021 lakh in H1FY26.
Profit Before Tax (PBT): In Q2FY27, consolidated results registered a loss before tax of Rs 1,20,593 lakh, widening by 574.87% QoQ from a loss of Rs 17,869 lakh in Q1FY27, and a negative turnaround of 5,264.58% YoY compared to a profit before tax of Rs 2,335 lakh in Q2FY26. For H1FY27, consolidated loss before tax recorded Rs 1,38,452 lakh against a profit before tax of Rs 41,448 lakh in H1FY26.
Profit After Tax (PAT): In Q2FY27, consolidated net loss after tax stood at Rs 1,26,001 lakh, escalating by 408.20% QoQ against a loss of Rs 24,794 lakh in Q1FY27, and a negative turnaround of 6,368.71% YoY from a profit after tax of Rs 2,010 lakh in Q2FY26. For H1FY27, consolidated net loss after tax was Rs 1,50,395 lakh against a net profit after tax of Rs 41,250 lakh in H1FY26.
Earnings Per Share (EPS): In Q2FY27, consolidated basic and diluted EPS was negative Rs 7.59 compared to negative Rs 1.47 in Q1FY27 and positive Rs 0.33 in Q2FY26. For H1FY27, consolidated basic and diluted EPS was negative Rs 9.06 versus positive Rs 2.76 in H1FY26.

Business Highlights:

Segment Performance:
- Fire: Standalone net premium recorded Rs 48,116 lakh (Consolidated: Rs 48,770 lakh) with a standalone operating loss of Rs 1,23,264 lakh (Consolidated: loss of Rs 1,39,900 lakh).
- Marine: Standalone net premium recorded Rs 21,073 lakh (Consolidated: Rs 21,553 lakh) with a standalone operating loss of Rs 489 lakh (Consolidated: loss of Rs 72,327 lakh).
- Motor: Standalone net premium recorded Rs 2,85,549 lakh (Consolidated: Rs 2,89,584 lakh) with a standalone operating loss of Rs 19,542 lakh (Consolidated: loss of Rs 1,34,415 lakh).
- Health (including Personal Accident): Standalone net premium recorded Rs 4,75,872 lakh (Consolidated: Rs 4,76,019 lakh) with a standalone operating loss of Rs 63,187 lakh (Consolidated: profit of Rs 13,185 lakh).
- Liability: Standalone net premium recorded Rs 12,958 lakh (Consolidated: Rs 13,197 lakh) with a standalone operating profit of Rs 943 lakh (Consolidated: loss of Rs 31,609 lakh).
- Aviation: Standalone net premium recorded Rs 4,310 lakh (Consolidated: Rs 4,310 lakh) with a standalone operating loss of Rs 27,769 lakh (Consolidated: loss of Rs 3,102 lakh).
- Engineering: Standalone net premium recorded Rs 12,989 lakh (Consolidated: Rs 13,458 lakh) with a standalone operating loss of Rs 933 lakh (Consolidated: loss of Rs 11,721 lakh).
- Crop: Standalone net premium recorded Rs 424 lakh (Consolidated: Rs negative 3 lakh) with a standalone operating profit of Rs 424 lakh (Consolidated: profit of Rs 11,420 lakh).
- Other Miscellaneous: Standalone net premium recorded Rs 24,175 lakh (Consolidated: Rs 24,270 lakh) with a standalone operating profit of Rs 803 lakh (Consolidated: profit of Rs 11,267 lakh).

Result PDF

Q2FY27 Quarterly Result Announced for Medi Assist Healthcare Services Ltd.

Healthcare Services company Medi Assist Healthcare Services announced Q2FY27 results

Consolidated Financial Highlights:

Revenue from Operations: Rs 2,415.10 million in Q2FY27, reflecting an increase of 2.11% QoQ from Rs 2,365.19 million in Q1FY27 and an increase of 3.86% YoY from Rs 2,325.45 million in Q2FY26. For H1FY27, Revenue from Operations stood at Rs 4,780.29 million, representing a YoY increase of 12.98% compared to Rs 4,231.03 million in H1FY26.
Total Income: Rs 2,453.61 million in Q2FY27, showing a minor decrease of 0.67% QoQ compared to Rs 2,470.16 million in Q1FY27 but an increase of 4.49% YoY against Rs 2,348.20 million in Q2FY26. For H1FY27, Total Income stood at Rs 4,923.77 million, marking a YoY growth of 13.77% from Rs 4,327.70 million in H1FY26.
Profit Before Tax (PBT): Rs 297.32 million in Q2FY27, down 14.83% QoQ from Rs 349.07 million in Q1FY27 but growing substantially by 120.76% YoY against Rs 134.68 million in Q2FY26. For H1FY27, PBT registered at Rs 646.39 million, climbing 46.97% YoY from Rs 439.80 million in H1FY26.
Net Profit After Tax (PAT): Rs 215.76 million in Q2FY27, falling 21.82% QoQ from Rs 275.97 million in Q1FY27 but up significantly by 167.46% YoY compared to Rs 80.67 million in Q2FY26. For H1FY27, PAT came in at Rs 491.73 million, achieving a 60.18% YoY growth from Rs 306.98 million in H1FY26.
Earnings per Equity Share (EPS) - Basic: Rs 2.88 in Q2FY27, reflecting a decline of 22.37% QoQ from Rs 3.71 in Q1FY27 but an expansion of 154.87% YoY against Rs 1.13 in Q2FY26. For H1FY27, Basic EPS stood at Rs 6.59, gaining 53.26% YoY from Rs 4.30 in H1FY26.

Standalone Financial Highlights:

Revenue from Operations: Rs 622.50 million in Q2FY27, showcasing a sequential expansion of 5.54% QoQ against Rs 589.84 million in Q1FY27 and a growth of 2.45% YoY from Rs 607.60 million in Q2FY26. For H1FY27, Revenue from Operations recorded at Rs 1,212.34 million, rising 16.05% YoY against Rs 1,044.64 million in H1FY26.
Total Income: Rs 688.97 million in Q2FY27, rising 4.37% QoQ compared to Rs 660.12 million in Q1FY27 and expanding 7.61% YoY over Rs 640.24 million in Q2FY26. For H1FY27, Total Income reached Rs 1,349.09 million, generating a 22.55% YoY gain relative to Rs 1,100.89 million in H1FY26.
Profit Before Tax (PBT): Rs 185.77 million in Q2FY27, gaining 4.96% QoQ from Rs 176.99 million in Q1FY27 but declining 18.59% YoY relative to Rs 228.18 million in Q2FY26. For H1FY27, PBT recorded at Rs 362.76 million, matching up by 7.74% YoY over Rs 336.71 million in H1FY26.
Net Profit After Tax (PAT): Rs 138.76 million in Q2FY27, higher by 5.51% QoQ compared to Rs 131.52 million in Q1FY27 but lower by 21.33% YoY compared to Rs 176.39 million in Q2FY26. For H1FY27, PAT recorded at Rs 270.28 million, growing 5.34% YoY from Rs 256.59 million in H1FY26.
Earnings per Equity Share (EPS) - Basic: Rs 1.86 in Q2FY27, increasing 5.68% QoQ over Rs 1.76 in Q1FY27 but reducing 25.60% YoY from Rs 2.50 in Q2FY26. For H1FY27, Basic EPS was Rs 3.62, showcasing a nominal decrease of 0.55% YoY from Rs 3.64 in H1FY26.

Result PDF

Q2FY27 Quarterly Result Announced for Star Health and Allied Insurance Company Ltd.

General Insurance company Star Health and Allied Insurance Company announced Q2FY27 results

Financial Highlights:

Insurance Revenue (Revenue from operations): Standalone Insurance Revenue stood at Rs 5,07,377 lakh in Q2FY27, growing by 15.42% YoY from Rs 4,39,578 lakh in Q2FY26 (comparative quarter last year) and increasing by 4.47% QoQ compared to Rs 4,85,661 lakh in Q1FY27. For H1FY27, Insurance Revenue reached Rs 9,93,038 lakh, representing a growth of 14.93% YoY from Rs 8,64,085 lakh in H1FY26.
Total Income: Total Financial Results / Income was Rs 5,34,749 lakh in Q2FY27, up 17.21% YoY from Rs 4,56,216 lakh in Q2FY26 and down 2.91% QoQ from Rs 5,50,780 lakh in Q1FY27. For H1FY27, Total Income stood at Rs 10,85,530 lakh, an increase of 15.56% YoY compared to Rs 9,39,406 lakh in H1FY26.
Profit Before Tax (PBT): PBT grew significantly by 214.99% YoY to Rs 35,164 lakh in Q2FY27 from Rs 11,163 lakh in Q2FY26, though it registered a decline of 52.59% QoQ against Rs 74,171 lakh in Q1FY27. For H1FY27, PBT grew by 56.24% YoY to Rs 1,09,334 lakh from Rs 69,971 lakh in H1FY26.
Profit After Tax (PAT): PAT grew by 232.76% YoY to Rs 26,481 lakh in Q2FY27 compared to Rs 7,958 lakh in Q2FY26, and dropped by 51.81% QoQ from Rs 54,974 lakh in Q1FY27. For H1FY27, PAT expanded by 57.32% YoY to Rs 81,454 lakh up from Rs 51,776 lakh in H1FY26.
Earnings Per Share (EPS) - Basic: Basic EPS stood at Rs 4.50 in Q2FY27, rising by 233.33% YoY from Rs 1.35 in Q2FY26 and dropping by 51.82% QoQ from Rs 9.34 in Q1FY27. For H1FY27, Basic EPS was Rs 13.84, a growth of 57.09% YoY from Rs 8.81 in H1FY26.
Earnings Per Share (EPS) - Diluted: Diluted EPS stood at Rs 4.49 in Q2FY27, up 232.59% YoY from Rs 1.35 in Q2FY26 and down 51.88% QoQ from Rs 9.33 in Q1FY27. For H1FY27, Diluted EPS reached Rs 13.81, showing an expansion of 56.93% YoY from Rs 8.80 in H1FY26.

Business Highlights & Segment Performance:

Health Insurance Segment: This segment recorded Insurance Revenue of Rs 5,02,667 lakh in Q2FY27, showing a growth of 15.82% YoY against Rs 4,34,020 lakh in Q2FY26 and an increase of 4.54% QoQ against Rs 4,80,831 lakh in Q1FY27. The segment profit stood at Rs 19,535 lakh in Q2FY27, increasing by 277.94% YoY from Rs 5,169 lakh in Q2FY26, but falling by 47.62% QoQ from Rs 37,292 lakh in Q1FY27. For H1FY27, Health Insurance Revenue was Rs 9,83,498 lakh (up 15.30% YoY) with a segment profit of Rs 56,827 lakh (up 77.38% YoY).
Personal Accident Segment: This segment registered Insurance Revenue of Rs 4,511 lakh in Q2FY27, down 14.37% YoY from Rs 5,268 lakh in Q2FY26 and down 3.38% QoQ from Rs 4,669 lakh in Q1FY27. The segment profit recorded a complete turnaround to Rs 633 lakh in Q2FY27, reversing from a segment loss of Rs 551 lakh in Q2FY26, but dropping 29.27% QoQ from Rs 895 lakh in Q1FY27. For H1FY27, Personal Accident Revenue was Rs 9,180 lakh (down 12.95% YoY) with a segment profit of Rs 1,728 lakh (reversing from a segment loss of Rs 110 lakh in H1FY26).
Travel Insurance Segment: This segment posted Insurance Revenue of Rs 198 lakh in Q2FY27, which dropped 31.72% YoY from Rs 290 lakh in Q2FY26, but grew 22.98% QoQ from Rs 161 lakh in Q1FY27. The segment profit came in at Rs 3 lakh in Q2FY27, down 94.44% YoY from Rs 54 lakh in Q2FY26 and down 78.57% QoQ from Rs 14 lakh in Q1FY27. For H1FY27, Travel Insurance Revenue stood at Rs 359 lakh (down 36.91% YoY) with a segment profit of Rs 17 lakh (down 86.07% YoY).

Anand Roy, CEO & Managing Director, Star Health and Allied Insurance Company, said: “Our customers are at the heart of how we measure progress. This progress is reflected not only in our financial growth, but also in the confidence customers place in us and their experience when they need healthcare support. Persistency improved by 4% YoY to 102%, while our Company Net Promoter Score increased by 4 points to 65. These measures reinforce our focus on earning customer trust through simpler service, responsive support and a smoother claims experience. We are strengthening provider relationships and expanding wellness initiatives to support customers beyond claims, while investing in AI and digital capabilities to make access and service more seamless. Q2FY27 marked our fifth successive quarter of improvement in underwriting results, and our first-half underwriting profit exceeded that of the entire previous year. This progress supports our commitment to building a resilient business that delivers lasting value for customers and shareholders.”

Result PDF

Q2FY27 Quarterly Result Announced for Max Financial Services Ltd.

LIfe Insurance company Max Financial Services announced Q2FY27 results

Consolidated Financial Highlights:

Interest Earned: For Q2FY27, consolidated interest earned stood at Rs 181.22 crore, registering a QoQ increase of 2.67% compared to Rs 176.51 crore in Q1FY27 and a YoY increase of 19.33% from Rs 151.87 crore in Q2FY26. For H1FY27, consolidated interest earned reached Rs 357.73 crore, up 17.86% YoY from Rs 303.51 crore in H1FY26.
Revenue from Operations: Consolidated revenue from operations was Rs 11,601.09 crore for Q2FY27, showing a QoQ decrease of -22.50% against Rs 14,969.51 crore in Q1FY27 and a YoY growth of 18.48% from Rs 9,791.59 crore in Q2FY26. For H1FY27, it was Rs 26,570.60 crore, a YoY growth of 17.50% from Rs 22,613.24 crore in H1FY26.
Total Income: Consolidated total income stood at Rs 11,605.21 crore in Q2FY27, down 22.51% QoQ from Rs 14,976.61 crore in Q1FY27 and up 18.44% YoY from Rs 9,798.62 crore in Q2FY26. For H1FY27, consolidated total income aggregated to Rs 26,581.82 crore, up 17.50% YoY compared to Rs 22,623.52 crore in H1FY26.
Profit Before Tax (PBT): Consolidated PBT was recorded at Rs 108.77 crore in Q2FY27, down -21.14% QoQ from Rs 137.92 crore in Q1FY27, but rising by 1626.51% YoY from Rs 6.30 crore in Q2FY26. For H1FY27, consolidated PBT reached Rs 246.69 crore, increasing by 128.88% YoY from Rs 107.78 crore in H1FY26.
Profit After Tax (PAT): Consolidated PAT for Q2FY27 was Rs 100.30 crore, down -15.21% QoQ compared to Rs 118.29 crore in Q1FY27, and up 1608.69% YoY from Rs 5.87 crore in Q2FY26. For H1FY27, consolidated PAT stood at Rs 218.59 crore, achieving a YoY expansion of 136.77% compared to Rs 92.32 crore in H1FY26.
Earnings Per Share (EPS): Consolidated basic EPS from continuing operations stood at Rs 2.33 in Q2FY27, down 16.19% QoQ from Rs 2.78 in Q1FY27 and up 1841.67% YoY from Rs 0.12 in Q2FY26. For H1FY27, consolidated basic EPS was Rs 5.11, showing a YoY growth of 136.57% against Rs 2.16 in H1FY26.

Standalone Financial Highlights:

Interest Earned: Standalone interest income stood at Rs 1.04 crore in Q2FY27, representing a QoQ growth of 2.97% from Rs 1.01 crore in Q1FY27 and a YoY growth of 62.50% from Rs 0.64 crore in Q2FY26. For H1FY27, standalone interest earned was Rs 2.05 crore, a YoY growth of 55.30% compared to Rs 1.32 crore in H1FY26.
Revenue from Operations: Standalone revenue from operations was recorded at Rs 3.18 crore in Q2FY27, reflecting a QoQ increase of 4.26% over Rs 3.05 crore in Q1FY27 and a YoY expansion of 10.80% from Rs 2.87 crore in Q2FY26. For H1FY27, it reached Rs 6.23 crore, showing a YoY increase of 6.31% over Rs 5.86 crore in H1FY26.
Total Income: Standalone total income was Rs 3.18 crore in Q2FY27, down 43.62% QoQ from Rs 5.64 crore in Q1FY27 and up 10.80% YoY from Rs 2.87 crore in Q2FY26. For H1FY27, standalone total income reached Rs 8.82 crore, up 49.24% YoY from Rs 5.91 crore in H1FY26.
Profit Before Tax (PBT): Standalone PBT was a loss of Rs 1.65 crore in Q2FY27, down 326.03% QoQ from a profit of Rs 0.73 crore in Q1FY27, and narrowing its loss YoY by 51.47% from a loss of Rs 3.40 crore in Q2FY26. For H1FY27, standalone PBT registered a loss of Rs 0.92 crore, narrowing the loss YoY by 84.46% against a loss of Rs 5.92 crore in H1FY26.
Profit After Tax (PAT): Standalone PAT recorded a loss of Rs 1.65 crore in Q2FY27, down 326.03% QoQ from a profit of Rs 0.73 crore in Q1FY27, and narrowing YoY by 51.47% from a loss of Rs 3.40 crore in Q2FY26. For H1FY27, standalone PAT recorded a loss of Rs 0.92 crore, improving YoY by 84.46% from a loss of Rs 5.92 crore in H1FY26.
Earnings Per Share (EPS): Standalone basic EPS was negative Rs 0.05 in Q2FY27, down -350.00% QoQ from Rs 0.02 in Q1FY27, and narrowing YoY by 50.00% from negative Rs 0.10 in Q2FY26. For H1FY27, standalone basic EPS was negative Rs 0.03, improving YoY by 82.35% from negative Rs 0.17 in H1FY26.

Business Highlights & Segment Performance:

Segment Revenue Performance:
- Life Insurance: Segment revenue reached Rs 11,599.96 crore in Q2FY27 (versus Rs 14,968.42 crore in Q1FY27) and Rs 26,568.38 crore for H1FY27.
- Business Investments: Segment revenue stood at Rs 6.13 crore in Q2FY27 (versus Rs 6.12 crore in Q1FY27) and Rs 12.25 crore for H1FY27.

Sumit Madan, Managing Director and CEO, Axis Max Life, said:, “Our H1 FY’27 performance reflects the strength of our distribution franchise, disciplined execution, and continued focus on delivering sustainable, customer-centric growth. We welcome IRDAI’s efforts to evolve the distribution framework in a manner that balances customer interests with industry growth objectives. The proposed emphasis on simpler distribution economics, stronger persistency outcomes, better alignment of commissions and expenses, and enhanced policyholder protection is a step in the right direction. We believe a balanced and consultative approach will further strengthen trust in the insurance ecosystem, support innovation and accessibility, and accelerate the sector’s long-term growth.”

Amrit Singh, Chief Financial Officer, Axis Max Life, said: “We delivered a strong performance in the first half of the fiscal, with Individual Adjusted First Year Premium growing by 12%. Our renewal premium rose 18%, driving 17% growth in Gross Written Premium. An improved product mix lifted the VNB Margin to 25.4% and supported 21% growth in Value of New Business. Our Embedded Value as of Sep 30, 2026 stood at Rs 31,437 crore, a growth of 17% YoY. Annualized operating RoEV improved by 100 bps to 17.3% in H1 FY27, reflecting our continued focus on delivering profitable and sustainable growth.”

Result PDF

Q2FY27 Quarterly Result Announced for SBI Life Insurance Company Ltd.

SBI Life Insurance Company announced Q2FY27 results

Financial Highlights:

Net premium income (Revenue from operations): For Q2FY27, it stood at Rs 26,87,770 lakh, reflecting a QoQ increase of 33.87% from Rs 20,07,821 lakh in Q1FY27 and a YoY increase of 8.17% from Rs 24,84,831 lakh in Q2FY26. For H1FY27, net premium income was Rs 46,95,591 lakh, registering a YoY growth of 11.73% compared to Rs 42,02,681 lakh in H1FY26.
Total income (Policyholders' Account): Reached Rs 24,29,170 lakh in Q2FY27, which is a QoQ decrease of 47.30% from Rs 46,09,070 lakh in Q1FY27 and a YoY increase of 6.50% from Rs 22,80,922 lakh in Q2FY26. For H1FY27, it reached Rs 70,38,240 lakh, an increase of 14.43% YoY from Rs 61,50,513 lakh in H1FY26.
Profit Before Tax (PBT): For Q2FY27, PBT was Rs 55,373 lakh, falling by 25.76% QoQ from Rs 74,588 lakh in Q1FY27 and rising by 7.90% YoY from Rs 51,318 lakh in Q2FY26. For H1FY27, PBT reached Rs 1,29,961 lakh, up 15.61% YoY from Rs 1,12,413 lakh in H1FY26.
Profit After Tax (PAT): Stood at Rs 54,923 lakh in Q2FY27, representing a QoQ decline of 24.24% from Rs 72,494 lakh in Q1FY27 and a YoY increase of 11.05% from Rs 49,459 lakh in Q2FY26. For H1FY27, PAT expanded by 17.01% YoY to Rs 1,27,417 lakh compared to Rs 1,08,896 lakh in H1FY26.
Earnings Per Share (EPS): Basic and diluted EPS for Q2FY27 was Rs 5.47, down 24.34% QoQ from Rs 7.23 in Q1FY27 and up 10.95% YoY from Rs 4.93 in Q2FY26. For H1FY27, basic EPS was Rs 12.70 (diluted EPS was Rs 12.69), increasing YoY by 16.94% from Rs 10.86 (diluted EPS was Rs 10.85) in H1FY26.

Business Highlights & Segment Performance:

Segment Income (Net Premium) Performance:
- Segment A (Par Life): Net premium income was Rs 1,86,514 lakh in Q2FY27 (vs Rs 1,34,743 lakh in Q1FY27 and Rs 1,85,857 lakh in Q2FY26) and Rs 3,21,257 lakh for H1FY27 (vs Rs 3,10,247 lakh in H1FY26).
- Segment B (Par Pension): Net premium income was Rs 7,440 lakh in Q2FY27 (vs Rs 4,101 lakh in Q1FY27 and Rs 8,264 lakh in Q2FY26) and Rs 11,541 lakh for H1FY27 (vs Rs 12,787 lakh in H1FY26).
- Segment C (Par Variable): Net premium income was Rs 197 lakh in Q2FY27 (vs Rs 168 lakh in Q1FY27 and Rs 372 lakh in Q2FY26) and Rs 364 lakh for H1FY27 (vs Rs 636 lakh in H1FY26).
- Segment D (Non Par Individual Life): Net premium income was Rs 5,66,061 lakh in Q2FY27 (vs Rs 3,97,208 lakh in Q1FY27 and Rs 4,67,987 lakh in Q2FY26) and Rs 9,63,269 lakh for H1FY27 (vs Rs 7,87,443 lakh in H1FY26).
- Segment E (Non Par Pension): Net premium income was Rs 118 lakh in Q2FY27 (vs Rs 102 lakh in Q1FY27 and Rs 150 lakh in Q2FY26) and Rs 220 lakh for H1FY27 (vs Rs 276 lakh in H1FY26).
- Segment F (Non Par Group Life): Net premium income was Rs 2,63,629 lakh in Q2FY27 (vs Rs 3,51,522 lakh in Q1FY27 and Rs 2,84,755 lakh in Q2FY26) and Rs 6,15,152 lakh for H1FY27 (vs Rs 6,24,821 lakh in H1FY26).
- Segment G (Non Par Annuity): Net premium income was Rs 2,25,513 lakh in Q2FY27 (vs Rs 1,48,583 lakh in Q1FY27 and Rs 1,82,439 lakh in Q2FY26) and Rs 3,74,096 lakh for H1FY27 (vs Rs 3,06,446 lakh in H1FY26).
- Segment H (Non Par Health): Net premium income was Rs 385 lakh in Q2FY27 (vs Rs 286 lakh in Q1FY27 and Rs 409 lakh in Q2FY26) and Rs 671 lakh for H1FY27 (vs Rs 692 lakh in H1FY26).
- Segment I (Non Par Variable): Net premium income was Rs 58 lakh in Q2FY27 (vs Rs 216 lakh in Q1FY27 and Rs 137 lakh in Q2FY26) and Rs 275 lakh for H1FY27 (vs Rs 1,905 lakh in H1FY26).
- Segment J (Linked Individual Life): Net premium income was Rs 11,89,143 lakh in Q2FY27 (vs Rs 7,75,230 lakh in Q1FY27 and Rs 10,15,639 lakh in Q2FY26) and Rs 19,64,373 lakh for H1FY27 (vs Rs 16,41,483 lakh in H1FY26).
- Segment K (Linked Group): Net premium income was Rs 25,019 lakh in Q2FY27 (vs Rs 24,586 lakh in Q1FY27 and Rs 72,104 lakh in Q2FY26) and Rs 49,605 lakh for H1FY27 (vs Rs 76,538 lakh in H1FY26).
- Segment L (Linked Pension): Net premium income was Rs 2,23,692 lakh in Q2FY27 (vs Rs 1,71,076 lakh in Q1FY27 and Rs 2,66,721 lakh in Q2FY26) and Rs 3,94,768 lakh for H1FY27 (vs Rs 4,39,408 lakh in H1FY26).

Amit Jhingran, MD & CEO, SBI Life, said: During H1FY27, SBI Life remained focused on delivering sustainable business growth, strengthening its distribution network and expanding insurance penetration. Our focus on customer-centric solutions, protection-led offerings and a diversified product portfolio continues to support growth while maintaining profitability and long-term value creation.

On the regulatory front, we remain committed to adapting to the evolving regulatory framework, with policyholder interest, transparency and sustainable industry development at the centre of our approach.

On the macroeconomic front, India’s resilient economy, underpinned by strong fundamentals, rising household aspirations and evolving customer needs, provides a solid foundation for the life insurance sector’s sustained long-term growth.

Result PDF

Q2FY27 Quarterly Result Announced for ICICI Lombard General Insurance Company Ltd.

ICICI Lombard General Insurance Company announced Q2FY27 results

Financial Highlights:

Gross Premium Written:
- Q2FY27: Stood at Rs 7,70,209 lakh, reflecting a YoY growth of 9.1% (compared to Rs 7,05,886 lakh in Q2FY26) and a QoQ decline of 13.1% (from Rs 8,86,027 lakh in Q1FY27).
- H1FY27: Reached Rs 16,56,236 lakh, an increase of 9.6% YoY from Rs 15,11,141 lakh in H1FY26.
Net Premium Earned:
- Q2FY27: Reached Rs 6,65,187 lakh, growing by 17.9% YoY (from Rs 5,65,165 lakh in Q2FY26) and 11.9% QoQ (from Rs 5,95,004 lakh in Q1FY27).
- H1FY27: Stood at Rs 12,60,191 lakh, up by 16.8% YoY compared to Rs 10,78,774 lakh in H1FY26.
Total Income:
- Q2FY27: Recorded at Rs 7,84,372 lakh, marking a 19.1% YoY increase (from Rs 6,58,267 lakh in Q2FY26) and a 15.1% QoQ increase (from Rs 6,81,371 lakh in Q1FY27).
Profit After Tax (PAT):
- Q2FY27: Increased to Rs 94,640 lakh, registering a YoY growth of 15.5% (from Rs 81,954 lakh in Q2FY26) and a sharp QoQ increase of 134.7% (from Rs 40,317 lakh in Q1FY27).
- H1FY27: Stood at Rs 1,34,957 lakh compared to Rs 1,56,662 lakh in H1FY26.
Key Analytical Ratios:
- Solvency Ratio: Improved marginally to 2.75 in Q2FY27, compared to 2.73 in Q2FY26 and 2.71 in Q1FY27.
- Incurred Claim Ratio: Reached 72.7% in Q2FY27, up from 72.1% in Q2FY26 but down from 76.4% in Q1FY27.
- Combined Ratio: Stood at 107.0% in Q2FY27, against 105.1% in Q2FY26 and 107.2% in Q1FY27.
- Net Retention Ratio: Stood at 80.7% in Q2FY27, showing expansion against 75.3% in Q2FY26 and 74.5% in Q1FY27.

Business Highlights:

Interim Dividend: The Board of Directors declared an interim dividend of Rs 7 per equity share (i.e., at the rate of 70% of face value of Rs 10 each) for FY27.
Equity Allotment: The Company allotted 3,42,632 equity shares during Q2FY27 and a total of 11,19,804 equity shares during H1FY27 (face value of Rs 10 each) pursuant to the exercise of employee stock options and employee stock units.

Segment-wise Performance:

Fire: Net Premium Earned was Rs 13,754 lakh. The segment reported an Underwriting Profit of Rs 6,764 lakh.
Marine: Net Premium Earned was Rs 19,198 lakh. The segment reported an Underwriting Loss of Rs 1,044 lakh.
Health Retail: Net Premium Earned was Rs 75,311 lakh. The segment reported an Underwriting Loss of Rs 7,746 lakh.
Health Group, Corporate: Net Premium Earned was Rs 2,27,490 lakh. The segment reported an Underwriting Loss of Rs 30,090 lakh.
Motor: Net Premium Earned was Rs 2,97,492 lakh. The segment reported an Underwriting Loss of Rs 3,266 lakh.
Crop Insurance: Net Premium Earned was Rs 349 lakh. The segment reported an Underwriting Profit of Rs 1,477 lakh.

Result PDF

Q2FY27 Quarterly Result Announced for ICICI Life Insurance Ltd.

Life Insurance company ICICI Life Insurance announced Q2FY27 results

Financial Highlights

Net Premium Income:
- Stood at Rs 13,80,390 lakh in Q2FY27, registering a growth of 41.59% QoQ compared to Rs 9,74,933 lakh in Q1FY27, and an increase of 16.56% YoY from Rs 11,84,310 lakh in Q2FY26.
Gross Premium Income Breakdown:
- First Year Premium: Stood at Rs 2,14,570 lakh in Q2FY27, increasing by 25.34% QoQ from Rs 1,71,186 lakh in Q1FY27, and growing by 8.63% YoY from Rs 1,97,517 lakh in Q2FY26. For FY26, it was Rs 8,43,223 lakh.
- Renewal Premium: Reached Rs 7,29,647 lakh in Q2FY27, up 35.53% QoQ compared to Rs 5,38,360 lakh in Q1FY27, and up 6.49% YoY from Rs 6,85,178 lakh in Q2FY26. For FY26, it stood at Rs 28,31,556 lakh.
- Single Premium: Recorded at Rs 4,81,242 lakh in Q2FY27, rising by 52.52% QoQ from Rs 3,15,517 lakh in Q1FY27, and rising by 38.68% YoY from Rs 3,47,008 lakh in Q2FY26. For FY26, it was Rs 16,37,685 lakh.
Investment Income (Policyholders' Account - Net):
- Stood at Rs (2,12,329) lakh in Q2FY27, compared to Rs 18,50,024 lakh in Q1FY27 and Rs (22,667) lakh in Q2FY26.
Investment Income (Shareholders' Account):
- Recorded at Rs 35,073 lakh in Q2FY27, rising by 33.29% QoQ from Rs 26,314 lakh in Q1FY27, and increasing by 10.18% YoY from Rs 31,833 lakh in Q2FY26.
Total Income (Policyholders' Account):
- Stood at Rs 11,74,265 lakh in Q2FY27, declining by 58.64% QoQ from Rs 28,39,490 lakh in Q1FY27, and decreasing by 2.27% YoY compared to Rs 12,01,564 lakh in Q2FY26.
Profit Before Tax (PBT):
- Reported at Rs 43,532 lakh in Q2FY27, up by 0.95% QoQ from Rs 43,122 lakh in Q1FY27, and up by 25.45% YoY from Rs 34,701 lakh in Q2FY26.
Profit After Tax (PAT):
- Stood at Rs 37,422 lakh in Q2FY27, declining marginally by 3.10% QoQ compared to Rs 38,618 lakh in Q1FY27, but increasing by 25.05% YoY from Rs 29,926 lakh in Q2FY26.
Earnings Per Share (EPS):
- Basic EPS stood at Rs 2.58 in Q2FY27 compared to Rs 2.66 in Q1FY27 (down 3.01% QoQ) and Rs 2.07 in Q2FY26 (up 24.64% YoY). For FY26, Basic EPS was Rs 11.06.
- Diluted EPS stood at Rs 2.57 in Q2FY27 compared to Rs 2.66 in Q1FY27 and Rs 2.06 in Q2FY26. For FY26, Diluted EPS was Rs 11.00.

Business Highlights

Segment-wise Performance (Net Premium & Segment Surplus):
- Linked Life: Net premium stood at Rs 5,00,489 lakh in Q2FY27 ( 28.20% QoQ from Rs 3,90,409 lakh in Q1FY27; 3.95% YoY from Rs 4,81,490 lakh in Q2FY26). Segment surplus was Rs 13,400 lakh in Q2FY27 compared to Rs 19,406 lakh in Q1FY27 and Rs 39,330 lakh in Q2FY26.
- Non-Par Life: Net premium stood at Rs 4,89,843 lakh in Q2FY27 ( 36.79% QoQ from Rs 3,58,109 lakh in Q1FY27; 42.83% YoY from Rs 3,42,951 lakh in Q2FY26). Segment surplus improved to Rs 3,958 lakh in Q2FY27 versus a deficit of Rs 5,173 lakh in Q1FY27 and a deficit of Rs 33,968 lakh in Q2FY26.
- Par Life: Net premium stood at Rs 1,40,160 lakh in Q2FY27 ( 67.06% QoQ from Rs 83,900 lakh in Q1FY27; 1.64% YoY from Rs 1,37,905 lakh in Q2FY26). Segment surplus stood at Rs 6,000 lakh in Q2FY27 compared to Rs 22,533 lakh in Q1FY27 and Rs 6,173 lakh in Q2FY26.
- Linked Group Life: Net premium reached Rs 1,35,002 lakh in Q2FY27 ( 170.44% QoQ from Rs 49,920 lakh in Q1FY27; 1.28% YoY from Rs 1,33,302 lakh in Q2FY26).
- Annuity Non-Par: Net premium recorded was Rs 78,369 lakh in Q2FY27 ( 56.61% QoQ from Rs 50,040 lakh in Q1FY27; 25.19% YoY from Rs 62,598 lakh in Q2FY26).
Key Analytical & Operational Ratios:
- Solvency Ratio: Stood at 229.9% as on September 30, 2026, compared to 225.4% as on June 30, 2026, and 213.2% as on September 30, 2025 (well above the regulatory mandate of 150%).
- 13th Month Persistency (Premium Basis): Improved to 83.9% in Q2FY27 compared to 83.4% in Q1FY27 and 81.4% in Q2FY26.
- 49th Month Persistency (Premium Basis): Stood at 70.7% in Q2FY27 versus 69.9% in Q1FY27 and 70.6% in Q2FY26.
- Non-Performing Assets (NPA): Gross and Net NPAs remained at NIL for both policyholders' and shareholders' funds.
Corporate Development:
- The name of the company was officially changed from ‘ICICI Prudential Life Insurance Company Limited’ to ‘ICICI Life Insurance Limited’, effective September 22, 2026, following the issuance of a fresh Certificate of Incorporation.

Sidharatha Mishra, Chief Operating Officer (COO) of ICICI Life Insurance, said, “Customer centricity has always been ICICI Life’s core ethos, and this steadfast commitment will continue to guide all our actions in the years ahead as well. Protection and annuity remain at the heart of our long-term strategy, addressing deeply underpenetrated needs in India. Backed by a well-diversified distribution network, innovative & customer-centric product portfolio, customer-first sales & service, industry-leading quality parameters, strong risk & capital metrics, we are a resilient organisation that can successfully capitalise on emerging opportunities. Our commitment is to deliver sustainable VNB growth while balancing business, profitability and risk & prudence.”

Result PDF

RE Unveils Himalayan 750, GT 750 & Flying Flea EV at EICMA 2026

As per the stock exchange filing, Royal Enfield unveiled an exciting new motorcycle portfolio at EICMA 2026 in Milan, marking its 125th anniversary with a renewed focus on performance, adventure and electric mobility.

Published on 04-Nov-2026 09:15

Bajaj Mobility Q3 Revenue Jumps 57% to €351M as KTM Motorcycle Sales Surge

As per exchange filing, Bajaj Mobility AG (holding company of KTM) reported a strong operating performance in Q3FY26, with group revenue increasing 57% YoY to EUR 351.1 million

Published on 04-Nov-2026 09:14

SBI Q2 Results: PAT hits ₹23,038cr on strong credit growth & stake sale; GNPA at multi-decade low

SBI reported healthy Q2FY27 performance, supported by broad-based credit growth, margin expansion and resilient asset quality, though profitability was aided by one-off gains.

Published on 04-Nov-2026 09:13

Bajaj Finserv Q2 PAT rises 25.4% to ₹5,952 cr on strong lending & life insurance growth

Bajaj Finserv reported a healthy Q2FY27 performance, with consolidated PAT rising 25.4% YoY to ₹5,952 crore (PAT attributable to owners up 22.9% YoY to ₹2,758 crore), driven by strong performance across lending and life insurance businesses.

Published on 04-Nov-2026 09:12

Lupin Q2 FY27 Revenue Rises 14% to ₹7,785.5 Cr; EBITDA Dips 4% as Margins Contract

Lupin Q2FY27 revenues grew by ~14% YoY to ₹7785.5 crore, primarily driven by India, which grew 15 % to ₹2383.6 crore

Published on 04-Nov-2026 09:11

Emcure Pharma Q2 revenue jumps 24% to ₹2,820 cr on strong domestic & global growth

Emcure Pharma revenues grew 24% YoY to ₹2820 crore driven by growth in International and the domestic segments. India business grew 12% YoY to ₹1155 crore led by growth in women’s portfolio.

Published on 04-Nov-2026 09:10

Disclaimer – I ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec is acting as a distributor to solicit bond related products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. The contents herein mentioned are solely for informational and educational purpose.

Download Our App

Start Mutual Fund SIP as low as ₹100

Why pay more?
When you can pay less!

No time to track the market?

BSE Insurance Results: Latest Quarterly Results & Analysis

Q2FY27 Quarterly Result Announced for Life Insurance Corporation of India

Life Insurance Corporation of India announced Q2FY27 results

Q2FY27 Quarterly Result Announced for Go Digit General Insurance Ltd.

Go Digit General Insurance announced Q2FY27 results

Q2FY27 Quarterly Result Announced for General Insurance Corporation of India

General Insurance Corporation of India announced Q2FY27 results

Q2FY27 Quarterly Result Announced for The New India Assurance Company Ltd.

The New India Assurance Company announced Q2FY27 results

Q2FY27 Quarterly Result Announced for Medi Assist Healthcare Services Ltd.

Healthcare Services company Medi Assist Healthcare Services announced Q2FY27 results

Q2FY27 Quarterly Result Announced for Star Health and Allied Insurance Company Ltd.

General Insurance company Star Health and Allied Insurance Company announced Q2FY27 results

Q2FY27 Quarterly Result Announced for Max Financial Services Ltd.

LIfe Insurance company Max Financial Services announced Q2FY27 results

Q2FY27 Quarterly Result Announced for SBI Life Insurance Company Ltd.

SBI Life Insurance Company announced Q2FY27 results

Q2FY27 Quarterly Result Announced for ICICI Lombard General Insurance Company Ltd.

ICICI Lombard General Insurance Company announced Q2FY27 results

Q2FY27 Quarterly Result Announced for ICICI Life Insurance Ltd.

Life Insurance company ICICI Life Insurance announced Q2FY27 results

RE Unveils Himalayan 750, GT 750 & Flying Flea EV at EICMA 2026

Bajaj Mobility Q3 Revenue Jumps 57% to €351M as KTM Motorcycle Sales Surge

SBI Q2 Results: PAT hits ₹23,038cr on strong credit growth & stake sale; GNPA at multi-decade low

Bajaj Finserv Q2 PAT rises 25.4% to ₹5,952 cr on strong lending & life insurance growth

Lupin Q2 FY27 Revenue Rises 14% to ₹7,785.5 Cr; EBITDA Dips 4% as Margins Contract

Emcure Pharma Q2 revenue jumps 24% to ₹2,820 cr on strong domestic & global growth

Download Our App