ICICI Prudential Life Insurance Company Limited has informed the Exchange about Investor Presentation
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ICICI Prudential Life Insurance submitted its monthly investor presentation for April 2025, detailing FY2025 full-year performance. The company posted strong FY2025 numbers: Annualized Premium Equivalent (APE) of ₹104.07 bn (up 15% YoY), Value of New Business (VNB) of ₹23.70 bn (up 6.4% YoY), Total Premium of ₹489.51 bn (up 13.2% YoY), and Profit After Tax of ₹11.89 bn (up 39.6% YoY). Embedded Value grew 13.3% to ₹479.51 bn, with ROEV at 13.1%. However, VNB margin contracted from 24.6% to 22.8%, indicating margin pressure despite topline growth. Cost ratios improved marginally. April 2025 monthly numbers were weak, with RWRP down 15.7% and APE down 5.3% YoY. The company maintained a strong solvency ratio of 212.2%, zero NPAs since inception, and raised ₹14 bn of additional sub-debt during FY2025.
Positive full-year FY2025 results with strong profit growth and AUM crossing ₹3.09 trillion are offset by VNB margin contraction and a sharp slowdown in April 2025 monthly premium, which may raise near-term concerns about business momentum. Existing shareholders may view the strong solvency, zero NPA track record, and 30% YoY PAT growth favorably, but margin trends warrant monitoring.