| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Indusind General Insurance Company Limited |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Share
Capital |
26,491 |
26,483 |
|
Reserves
and Surplus |
3,16,368 |
2,84,706 |
|
Fair
Value Change Account Shareholder’s Fund |
98 |
1,313 |
|
Fair
Value Change Account Policyholder’s Fund |
515 |
6,326 |
|
Borrowings |
23,000 |
23,000 |
|
Total |
3,66,472 |
3,41,828 |
|
Application
of Funds |
|
|
|
Investments-Shareholders |
3,42,172 |
3,52,675 |
|
Investments-Policyholders |
17,93,589 |
16,98,692 |
|
Fixed
Assets |
13,008 |
12,108 |
|
Deferred
Tax Asset (Net) |
15,330 |
3,727 |
|
Current Assets |
|
|
|
Cash and
Bank Balances |
17,555 |
17,311 |
|
Advances
and Other Assets |
2,82,676 |
1,98,900 |
|
Sub
Total |
3,00,231 |
2,16,212 |
|
Current
Liabilities |
18,21,916 |
16,77,596 |
|
Provisions |
2,75,942 |
2,63,989 |
|
Sub
Total |
20,97,858 |
19,41,585 |
|
Net
Current Assets |
-17,97,627 |
-17,25,374 |
|
Total |
3,66,472 |
3,41,828 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Operating
Profit/(Loss) |
|
|
|
Fire
Insurance |
9,293 |
19,305 |
|
Marine
Insurance |
-4,166 |
-2,295 |
|
Miscellaneous
Insurance |
18,550 |
-25 |
|
Income
from Investments |
|
|
|
Interest,
Dividend & Rent-Gross |
24,795 |
22,633 |
|
Profit on
sale of Investments |
2,978 |
2,408 |
|
Loss in
sale/redemption of Investments |
-234 |
-80 |
|
Amortization
of Premium/ Discount on Investments |
-1,004 |
-823 |
|
Other
Income |
|
|
|
Profit/(Loss)
on sale/discard of assets |
3 |
9 |
|
Miscellaneous
Income |
399 |
181 |
|
Reversal
of Equity Impairment |
- |
199 |
|
Excess
Provision/Bad Debts Written Back |
481 |
11,743 |
|
Total |
51,095 |
53,255 |
|
Provisions (Other than taxation) |
|
|
|
For
diminution in the value of investment |
- |
-3,376 |
|
For
Doubtful Debts |
5,449 |
534 |
|
Other Expenses |
|
|
|
Bad Debts
Written Off |
530 |
261 |
|
Interest
on Subordinated Debenture |
2,079 |
2,095 |
|
Expenses
toward CSR activities |
798 |
746 |
|
Penalties |
15 |
200 |
|
Contribution
to Policyholder 's Account towards Excess of remuneration of MD/CEO/WTD/Other
KMP |
1,912 |
3,009 |
|
Contribution
to Policyholder 's Account towards Other Employee Remuneration |
407 |
456 |
|
Others |
|
|
|
Amortisation
of Debenture expenses |
29 |
29 |
|
Interest
in Statutory Liability |
617 |
530 |
|
Finance
Cost |
1,424 |
763 |
|
Investment
Written Off |
- |
7,872 |
|
Total |
13,260 |
13,119 |
|
Profit
Before Tax |
37,835 |
40,136 |
|
Current
Tax |
11,344 |
7,034 |
|
Short
Provision for earlier year |
6,550 |
5,074 |
|
Deferred
Tax for current period |
-7,884 |
- |
|
Deferred
Tax for earlier year |
-3,719 |
- |
|
Profit
After Tax |
31,544 |
28,028 |
|
Appropriations |
|
|
|
Final
Dividend Paid |
26 |
26 |
|
Profit/(Loss)
after appropriations |
31,518 |
28,002 |
|
Balance of profit/loss brought forward from last
period |
1,80,700 |
1,52,698 |
|
Balance carried forward to Balance Sheet |
2,12,218 |
1,80,700 |
|
Basic
EPS |
11.91 |
10.79 |
|
Diluted
EPS |
11.86 |
10.72 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Cash
Flows from Operating Activities |
|
|
|
Premium
received from policyholders, including advance receipts |
12,97,690 |
12,84,525 |
|
Payments
to the re-insurers, net of commissions and claims |
-2,10,722 |
-1,09,595 |
|
Payments
to co-insurers, net of claims recovery |
-809 |
2,852 |
|
Payments
of Claims |
-7,13,920 |
-6,85,762 |
|
Payments
of Commission and Brokerage |
-1,94,938 |
-1,74,436 |
|
Payments
of Other Operating Expenses |
-1,59,821 |
-1,20,641 |
|
Deposits,
advances and staff loans |
-54,077 |
29,005 |
|
Income
Taxes Paid (Net) |
-20,420 |
-13,349 |
|
Goods
& Services tax paid |
-17,382 |
2,438 |
|
Other
Receipts |
2,955 |
398 |
|
Net
Cash Flow from Operating Activity |
-71,444 |
2,15,435 |
|
Cash
Flows from Investing Activities |
|
|
|
Purchase
of Fixed Assets |
-6,027 |
-6,184 |
|
Proceeds
from sale of Fixed Assets |
5 |
2 |
|
Purchases
of Investments |
-23,11,485 |
-13,76,006 |
|
Sales of
Investments |
22,43,323 |
10,74,075 |
|
Rent/Interest/Dividends
Received |
1,44,781 |
1,17,521 |
|
Investments
in money market instruments and in liquid mutual funds (Net) |
-5,838 |
-34,201 |
|
Expenses
related to Investments |
-407 |
-456 |
|
Net
Cash Flow from Investing Activity |
64,352 |
-2,25,250 |
|
Cash
Flows from Financing Activities |
|
|
|
Proceeds
from issuance of Share Capital |
151 |
25,706 |
|
Interest/Dividends
Paid |
-3,538 |
-2,888 |
|
Net
Cash Flow from Financing Activity |
-3,387 |
22,818 |
|
Net
Increase in Cash and Cash Equivalents |
-10,479 |
13,003 |
|
Cash and Cash Equivalents at beginning of the year |
-3,961 |
-16,964 |
|
Cash
and Cash Equivalents at the end of the year |
-14,440 |
-3,961 |
Summary of the Cash
Flow Statement for the years 2025 and 2024:
Cash Flows from Operating Activities
During FY 2024–25, the
company reported negative
operating cash flows of ₹71,444 lakhs, compared to a positive
inflow of ₹2,15,435 lakhs in the previous year. Premium collections from
policyholders remained strong at ₹12,97,690 lakhs (slightly higher than the
prior year). However, this was outweighed by higher outflows: claims payments
increased to ₹7,13,920 lakhs, commission and brokerage expenses rose to
₹1,94,938 lakhs, and operating expenses grew sharply to ₹1,59,821 lakhs.
Additionally, significant cash outflows were recorded under deposits, advances,
and staff loans (₹54,077 lakhs outflow vs. an inflow of ₹29,005 lakhs in the
previous year). Payments of income tax and GST were also higher. These factors
led to a net deficit in operating activities, reflecting increased pressure
from claim settlements and expenses relative to receipts.
Cash Flows from Investing Activities
Investing activities
contributed a net
positive cash inflow of ₹64,352 lakhs in FY 2024–25, compared
to a large outflow of ₹2,25,250 lakhs in FY 2023–24. The primary driver was
higher sales of investments (₹22,43,323 lakhs), which exceeded the purchases of
investments (₹23,11,485 lakhs). Moreover, income from rent, interest, and
dividends rose to ₹1,44,781 lakhs, further strengthening inflows. Although
there were outflows for fixed asset purchases (₹6,027 lakhs) and expenses
related to investments (₹407 lakhs), the net effect of investment-related
activities was favorable, marking a reversal from the previous year’s negative
position.
Cash Flows from Financing Activities
From financing
activities, the company reported a net
outflow of ₹3,387 lakhs in FY 2024–25, compared to an inflow of
₹22,818 lakhs in FY 2023–24. This decline was due to significantly lower
proceeds from issuance of share capital (₹151 lakhs versus ₹25,706 lakhs last
year) while interest and dividend payments increased to ₹3,538 lakhs. This
indicates reduced external funding support and higher servicing costs.
Net Movement in Cash and Closing Balance
Overall, the company
recorded a net decrease
in cash and cash equivalents of ₹10,479 lakhs during FY
2024–25, against an increase of ₹13,003 lakhs in FY 2023–24. The opening
balance of cash was already negative at ₹-3,961 lakhs, and with the year’s
shortfall, the closing balance worsened to ₹-14,440 lakhs. This suggests
liquidity stress, as cash deficits are persisting despite positive investment
inflows, mainly due to the heavy drain in operating activities.
