ICICI Lombard General Insurance Company Limited Q4 FY26 earnings call summary

Earnings call of 15 Apr 2026, summarised by AI from the filing.

ICICI Lombard FY2026 PBT grew 10.2% to ₹ 36.59 billion; management expects Ind AS adoption to reduce combined ratio by 300-450 bps.

Key takeaways

1. Ind AS guidance Management expects significant decline in combined ratio on Ind AS adoption, in range of 300 to 400-450 bps.
2. Retail Health driver Retail Health grew 51.1% in FY2026, outpacing industry 19.9%, driven by product innovation and distribution investment.
3. Competition risk Elevated competitive intensity and pricing pressure in Commercial lines, especially Fire, led to muted growth.

Original filing on BSE

ICICI Lombard General Insurance Company Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (15 Jul 2026), Results deck (15 Jul 2026)
• Q4 FY26: Earnings call (15 Apr 2026), Results deck (15 Apr 2026)
• Q3 FY26: Earnings call (13 Jan 2026), Results deck (13 Jan 2026)
• Q2 FY26: Earnings call (14 Oct 2025), Results deck (14 Oct 2025), Results deck (16 Oct 2025)
• Q1 FY26: Earnings call (15 Jul 2025), Results deck (15 Jul 2025)
• Q4 FY25: Earnings call (15 Apr 2025), Results deck (15 Apr 2025)