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ICICI Prudential Life Insurance Company
ICICI Prudential Life Insurance Company (ICICIPRULI) investor relations material
ICICI Prudential Life Insurance Company Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary13 Jan, 2026
Executive summary
Celebrated 25 years of service, serving over 200 million Indians, and marked key regulatory changes, including the Sabka Bima Sabki Raksha Act 2025, which raised the FDI limit in insurance to 100%.
Achieved 1.4% year-over-year growth in APE to ₹68.11 bn and 5.7% growth in VNB to ₹16.64 bn for 9M-FY2026, with a VNB margin of 24.4%.
Profit after tax grew 23.5% year-over-year to ₹9.92 bn in 9M-FY2026, driven by higher investment income.
Maintained a strong solvency ratio of 214.8% as of December 31, 2025.
Customer experience ranked no. 1 in industry NPS for the third consecutive year.
Financial highlights
Q3 FY26 retail APE grew 9.9% year-on-year, with a two-year CAGR of 15.2%.
Retail protection segment grew 40.8% year-on-year in Q3, with retail sum assured up 51.6%.
VNB for Q3 FY26 was INR 6.15 billion; nine-month VNB at INR 16.64 billion with a margin of 24.4%.
PAT grew 19.6% year-on-year to INR 3.9 billion in Q3 and 23.5% to INR 9.92 billion for nine months.
Assets under management rose 6.5% year-on-year to INR 3.31 trillion.
Outlook and guidance
Expect continued momentum in Q4, with a positive growth trajectory and confidence in delivering sustainable business growth.
Margin trajectory expected to remain stable, with product mix as the key driver.
Focus on sustainable VNB growth by balancing business growth, profitability, and risk.
Continued investment in digital transformation, diversified distribution, and innovative product offerings.
Persistency improvement initiatives are underway in specific channels and products.
NCD refinancing: Capital strategy implications?
New Labour Codes: Future financial impact?
Persistency challenges: Corrective actions efficacy?
Identify specific persistency challenge areas
Protection growth sustainability and pricing outlook
Which channels will drive future APE growth
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Next ICICI Prudential Life Insurance Company earnings date
Q4 25/2622 Apr, 2026
ICICI Prudential Life Insurance Company
Next ICICI Prudential Life Insurance Company earnings date
Q4 25/2622 Apr, 2026
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Frequently asked questions
ICICI Prudential Life Insurance Company Ltd is an Indian insurance company that provides a range of life insurance, health insurance, and investment-linked products. It operates through a combination of agency channels, bancassurance partnerships, and digital platforms. The company serves individuals and corporate clients with long-term financial planning and protection solutions. ICICI Prudential Life Insurance Company Ltd is headquartered in Mumbai, India, and its shares are listed on the NSE.
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