| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Shriram General Insurance Co Limited |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Sources of Funds |
|
|
|
Share Capital |
25,916 |
25,916 |
|
Reserved and Surplus |
2,51,552 |
2,30,797 |
|
Shareholder 's Fund |
3,791 |
8,333 |
|
Minority Interest |
839 |
725 |
|
Total |
2,82,098 |
2,65,771 |
|
Application of funds: |
|
|
|
Investments-Shareholders |
2,09,871 |
1,55,509 |
|
Investments-Policyholders |
11,03,627 |
10,50,442 |
|
Fixed Assets |
7,113 |
5,313 |
|
Deferred tax assets (net) |
8,072 |
7,335 |
|
Current Assets |
|
|
|
Cash and Bank balances |
9,083 |
6,522 |
|
Advances and other Assets |
6,98,556 |
50,960 |
|
Sub-Total |
78,938 |
57,482 |
|
Current Liabilities |
9,16,967 |
8,39,049 |
|
Provisions |
2,08,556 |
1,71,261 |
|
Sub-Total |
11,25,523 |
10,10,310 |
|
Net Current Assets |
-1,04,65,585 |
-9,52,828 |
|
Total |
2,82,098 |
2,65,771 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Operating Profit/(Loss) |
59,751 |
68,354 |
|
Income From Investments |
|
|
|
Interest, Dividend & Rent – Gross |
7,922 |
7,074 |
|
Profit on sale of investments |
6,905 |
126 |
|
Amortisation of Premium / Discount on Investments |
-218 |
-171 |
|
Other Income |
|
|
|
Total |
74,360 |
75,383 |
|
Provisions (Other than taxation) |
|
|
|
For doubtful debts |
-31 |
-2 |
|
Other Expenses |
|
|
|
Expenses other than those related to Insurance Business |
315 |
164 |
|
CSR Expenses |
1,322 |
1,433 |
|
Contribution to Policyholders ' A/C: |
|
|
|
Towards Excess Expenses of Management |
4,802 |
13,029 |
|
(Profit)/Loss on Sale/Write off of Fixed Assets (Net) |
3 |
- |
|
Others |
|
|
|
Total |
6,411 |
14,623 |
|
Profit Before Tax |
67,949 |
60,760 |
|
Provision for Taxation |
|
|
|
Current Tax |
17,529 |
17,254 |
|
Deferred Tax |
-734 |
-2,110 |
|
Earlier year Tax |
- |
-135 |
|
Profit After Tax |
51,154 |
45,751 |
|
Profit After Tax |
|
|
|
Final dividend paid during the year |
3,372 |
11,403 |
|
Interim dividends paid during the year |
30,771 |
21,640 |
|
Balance of profit/ loss brought forward from last year |
2,31,115 |
2,16,608 |
|
Less: Minority Share in Profit & Loss |
-12 |
10 |
|
Profit after tax and Minority Interest |
2,48,138 |
2,29,305 |
|
Transfer to Capital Reserve on Consolidation |
- |
-494 |
|
Balance carried forward to Reserve & Surplus account |
2,48,138 |
2,28,810 |
|
Earning Per Share (Basic) in Rs. |
19.74 |
17.65 |
|
Earning Per Share (Diluted ) in Rs. |
19.74 |
17.65 |
|
Particulars |
31-03-2025 |
31-03-2024 |
|
Cash flow from operation activities |
|
|
|
Premium received from policyholders, including advance receipts and
service tax/ GST |
4,48,933 |
3,70,880 |
|
Other receipts |
78,535 |
653 |
|
Payment to Reinsurers, net of commissions and claims |
-5,521 |
-10,083 |
|
Payment of Claims |
-1,78,104 |
-1,51,914 |
|
Payment of Commission |
-85,301 |
-64,317 |
|
Payment of other Operation expenses Net of Misc. income |
-27,744 |
-38,785 |
|
Income tax paid (Net) |
-19,216 |
-21,277 |
|
Service tax/GST paid |
-71,341 |
-55,855 |
|
Deposit, advances and staff loans |
-47 |
-1,569 |
|
Net Cash in Flow From Operating Activities |
1,40,194 |
27,732 |
|
Cash Flow from Investment Activities |
|
|
|
Purchase of Fixed Assets |
-718 |
-425 |
|
Proceeds from sale of Fixed Assets |
4 |
2 |
|
Purchase of Investments |
-7,05,242 |
-3,72,425 |
|
Sale / Maturity of Investments |
5,74,471 |
3,11,687 |
|
Rent/Interests/Dividend Received |
2,596 |
75,915 |
|
Investment in money market instruments and in liquid mutual funds
(Net) |
25,396 |
-6,455 |
|
Net Cash Out Flow from Investment Activities |
-1,03,493 |
8,298 |
|
Cash Flow from Financing Activities |
|
|
|
Dividend paid including Distribution tax paid |
-34,143 |
-33,043 |
|
Net Cash Flow from Financing Activities |
-34,143 |
-33,043 |
|
Effect of foreign exchange rates on cash and cash equivalents (Net) |
3 |
-8 |
|
(Decrease)/Increase in Cash and Cash Equivalents during the year |
2,561 |
2,979 |
|
Cash and Cash Equivalent at the beginning of the period |
6,522 |
3,543 |
|
Cash and Cash Equivalent at the end of the period |
9,083 |
6,522 |
Here is a summary of the Cash Flow
Statement for the years 2025 and 2024:
Cash Flow from
Operating Activities
For the year ended 31st
March 2025, the company generated a strong positive
operating cash flow of ₹1,40,194 lakhs, a significant increase
compared to ₹27,732 lakhs in FY 2023–24. This rise is primarily driven by an
increase in premium
collections, which stood at ₹4,48,933 lakhs in FY 2025, up from
₹3,70,880 lakhs the previous year. Other operating receipts also saw a
substantial rise from ₹653 lakhs to ₹78,535 lakhs, possibly indicating recovery
of past dues, inflows from reinsurance, or service-related income.
On the outflow side,
claim
payments increased to ₹1,78,104 lakhs in FY 2025 from ₹1,51,914
lakhs in FY 2024, aligning with business growth. Commissions
and operating
expenses also rose, reflecting higher volumes and operational
scaling. However, despite increased tax payments and expenses like GST, the net
operating cash flow remained significantly positive, indicating healthy core
business performance and strong cash-generating ability.
Cash Flow from
Investment Activities
Investment
activities showed a net outflow of ₹1,03,493 lakhs
in FY 2025, compared to a net inflow of ₹8,298 lakhs
in FY 2024. The major driver behind the outflow in FY 2025 was the large
purchase of investments worth ₹7,05,242 lakhs, significantly
exceeding the inflow from sales and maturities of ₹5,74,471 lakhs. This
suggests a strategic shift towards building a larger investment portfolio,
possibly to support longer-term insurance liabilities or returns.
Despite this, the
company earned ₹2,596 lakhs in interest, dividend, and
rent, a steep fall from ₹75,915 lakhs the year before—likely due to timing or
changes in investment yields. A positive factor was the investment in money
market and mutual funds, which shifted from a negative ₹6,455
lakhs to a positive ₹25,396 lakhs, signaling improved short-term liquidity
management.
Cash Flow from
Financing Activities
Under financing
activities, the company had a net outflow of ₹34,143 lakhs
in FY 2025, slightly higher than the ₹33,043 lakhs outflow in FY 2024. This
primarily consisted of dividends paid,
indicating that the company continues to reward shareholders while maintaining
financial discipline. There were no fresh equity infusions, share application
money, or borrowings recorded, reflecting a stable capital structure.
Net Cash
Position and Closing Balance
The net
increase in cash and cash equivalents during FY 2025 was ₹2,561
lakhs, slightly lower than the ₹2,979 lakhs increase in FY
2024. Factoring in the effect of foreign exchange (a minor gain of ₹3 lakhs),
the closing cash balance for FY 2025 stood at ₹9,083 lakhs,
compared to ₹6,522 lakhs the previous year.
