Is ICICI Lombard General Insurance Stock a Smart Buy in India for 2025?
Is it the right time to buy ICICI Lombard General Insurance?
ICICI Lombard General Insurance Company Ltd, trading around ₹2,034 as of July 2025, remains a prominent force in India's non-life insurance sector. The recent average daily trading volume stands at approximately 305,000 shares, underlining healthy activity and consistent investor interest. A meaningful recent event was the Bombay High Court's favorable ruling on a GST liability, mitigating immediate financial concerns and reinforcing the company’s financial resilience. Despite a notable dip in Q1 FY25 net profit, the results still surpassed analyst expectations, demonstrating the company's capacity to manage sector fluctuations. Market sentiment is constructive, buoyed by ICICI Lombard’s leadership—with a 9.4% market share—and continued innovation in digital transformation. The sector as a whole is benefiting from India's rising middle class and a growing demand for insurance products, providing a strong tailwind. Analysts from more than 14 national and international banks have set a consensus target price of ₹2,644. With its robust brand, proven track record, and sector tailwinds, ICICI Lombard offers individual investors a compelling option to consider adding to their portfolios.
- ✅India’s largest private general insurer with solid 9.4% market share.
- ✅Anticipated FY25 revenue growth of 16.5%.
- ✅Strong digital innovation and customer engagement leadership.
- ✅Resilient performance, Q1 profit exceeded analyst expectations by 10%.
- ✅Constructive market sentiment, 68% buy recommendations from analysts.
- ❌Quarterly results may remain volatile in the short term.
- ❌Valuation is above sector average with PER at 40.3x.
- ✅India’s largest private general insurer with solid 9.4% market share.
- ✅Anticipated FY25 revenue growth of 16.5%.
- ✅Strong digital innovation and customer engagement leadership.
- ✅Resilient performance, Q1 profit exceeded analyst expectations by 10%.
- ✅Constructive market sentiment, 68% buy recommendations from analysts.
Is it the right time to buy ICICI Lombard General Insurance?
- ✅India’s largest private general insurer with solid 9.4% market share.
- ✅Anticipated FY25 revenue growth of 16.5%.
- ✅Strong digital innovation and customer engagement leadership.
- ✅Resilient performance, Q1 profit exceeded analyst expectations by 10%.
- ✅Constructive market sentiment, 68% buy recommendations from analysts.
- ❌Quarterly results may remain volatile in the short term.
- ❌Valuation is above sector average with PER at 40.3x.
- ✅India’s largest private general insurer with solid 9.4% market share.
- ✅Anticipated FY25 revenue growth of 16.5%.
- ✅Strong digital innovation and customer engagement leadership.
- ✅Resilient performance, Q1 profit exceeded analyst expectations by 10%.
- ✅Constructive market sentiment, 68% buy recommendations from analysts.
- What is ICICI Lombard General Insurance?
- How much is the ICICI Lombard General Insurance stock?
- Our full analysis of ICICI Lombard General Insurance stock
- How to buy ICICI Lombard General Insurance stock in India?
- 7 Tips for Buying ICICI Lombard General Insurance Stock
- The latest news about ICICI Lombard General Insurance
- FAQ
- On the same topic
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At HelloSafe, our expert has been tracking the performance of ICICI Lombard General Insurance for over three years. Every month, over a million users in India trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by ICICI Lombard General Insurance.
What is ICICI Lombard General Insurance?
Indicator | Value | Analysis |
---|---|---|
🏳️ Nationality | India | Major domestic private general insurer with a strong local presence. |
💼 Market | NSE/BSE | Traded on both major Indian stock exchanges; ensures high liquidity and visibility. |
🏛️ ISIN code | INE765G01017 | Unique identifier for ICICI Lombard General Insurance shares in the Indian market. |
👤 CEO | Sanjeev Mantri | Brings continuity and vision as Managing Director & CEO since his 2023 appointment. |
🏢 Market cap | ₹1,01,021 crores | Reflects leadership status and broad-based investor confidence in the company. |
📈 Revenue | ₹6,111 crores (Q1 FY25) | Shows solid premium growth despite a minor quarter-on-quarter dip. |
💹 EBITDA | ₹667 crores (Q1 FY25, estimated) | Indicates healthy core operating profitability within the insurance sector. |
📊 P/E Ratio (Price/Earnings) | 40.3x | Valuation is premium, reflecting investor optimism and expectations of future growth. |
How much is the ICICI Lombard General Insurance stock?
The price of ICICI Lombard General Insurance stock is rising this week. As of now, ICICI Lombard General Insurance is trading at ₹2,034.10 with a slight decrease of -0.50% over the last 24 hours, but showing a weekly gain of +0.85%. The company boasts a robust market capitalization of ₹1,01,021 crores and an average three-month trading volume of about 305,000 shares per day. The stock currently has a P/E Ratio of 40.3, a dividend yield of 0.61%, and a low beta of 0.68, indicating relatively stable movement compared to the broader market. This combination of growth and stability makes it a stock to closely watch for long-term investors.
Our full analysis of ICICI Lombard General Insurance stock
Our team has carefully reviewed ICICI Lombard General Insurance’s most recent financial statements and its multi-year stock performance. By combining financial ratios, technical charts, sector insights, and competitive peer analysis through proprietary algorithms, we provide a comprehensive view. So, why might ICICI Lombard General Insurance stock once again become a strategic entry point into the insurance and financial services sector in 2025?
Recent performance and market context
ICICI Lombard General Insurance stock has exhibited steady resilience, currently trading at ₹2,034.10, with a notable +11.06% gain over the past six months and a full-year rise approaching 10%. The recent weekly uptick of +0.85% comes amid an overall positive sentiment in the Indian general insurance sector, further energized by robust macroeconomic trends and increasing insurance penetration across India’s expanding middle class. A significant positive development: the Bombay High Court’s favorable decision regarding GST demand, which removes a major legal overhang and reassures both equity markets and stakeholders about ICICI Lombard General Insurance’s risk profile and balance sheet strength. The company continues to benefit from India’s rapid digitalization, the government’s push for insurance inclusion, and growing consumer awareness, all fueling sector momentum.
Technical analysis
Technically, the stock is showing impressive bullish momentum. The Relative Strength Index (RSI) stands at 65.79, reflecting neutral to positive sentiment, while the MACD indicator remains decidedly bullish at 7.17—well above its signal line. All major moving averages (20-day: ₹1,975.60, 50-day: ₹1,903.29, 100-day: ₹1,830.38, and even the 200-day at ₹1,890.69) are being comfortably maintained or surpassed, highlighting a robust underlying uptrend. Key technical supports are identified at ₹1,975 (20-day MA), and the stock recently tested upper resistance of ₹2,302 (its 52-week high), indicating possible breakout potential. Moreover, despite a short-term EMA cross showing caution, the dominant medium-term structure remains clearly bullish, creating an optimal foundation for renewed accumulation.
Fundamental analysis
ICICI Lombard General Insurance stands out fundamentally with revenue of ₹6,111 crores in Q1 FY25 and a market cap exceeding ₹1,01,000 crores, indicative of its dominant presence. Despite a short-term decline in quarterly earnings, the company beat analyst expectations by 10%, demonstrating resilient profitability and superior cost control. The Price/Earnings ratio is elevated at 40.3x—above sector average—yet is justified by ICICI Lombard General Insurance’s leadership, proven ability to innovate, and durable double-digit projected revenue growth (over 16% for FY25). The company’s brand strength, advanced digital transformation, and broad product diversification sustain high value creation and formidable competitive moats in India’s private insurance landscape.
Volume and liquidity
ICICI Lombard General Insurance enjoys healthy liquidity, with an average daily traded volume of around 305,000 shares over the last three months. This sustained turnover underscores both investor confidence and strong institutional interest, allowing for dynamic price discovery and reflecting a float conducive to continued upward revaluation. Market participants benefit from low entry/exit friction and minimal price manipulation risk, critical for investors seeking transparent market access.
Catalysts and positive outlook
Several catalysts reinforce the bullish outlook. Technological leadership—including advanced digital customer onboarding, AI-driven claims management, and mobile-first policy sales—keeps ICICI Lombard General Insurance at the forefront of innovation. The company’s recent strategic move into new insurance categories, renewed geographical expansion, and focus on ESG (Environmental, Social, and Governance) standards further amplify growth prospects. With a dynamic regulatory environment supporting sector expansion, a resilient economy, and the company’s pivotal 9.4% share of India’s non-life insurance market, outlook remains particularly strong. Major product launches and potential for M&A activity add further excitement.
Investment strategies
For investors seeking well-timed entry, recent consolidation around the ₹2,000 support level positions ICICI Lombard General Insurance attractively for both short- and medium-term gains. Those with a longer-term horizon may appreciate the enduring strength of the company’s core business, the potential compounding effect of India’s underpenetrated insurance market, and favorable demographic tailwinds. Technical indicators support entry on any retracement near the 20-day moving average, while the pathway to ₹2,300+ and beyond presents a clear opportunity as sector momentum and new catalysts accrue. Core strategies may include averaging in on minor dips, adding to positions ahead of quarterly results, or leveraging the stock’s healthy liquidity for disciplined trading.
Is it the right time to buy ICICI Lombard General Insurance?
ICICI Lombard General Insurance’s compelling blend of technical strength, robust revenue growth, and strategic market dominance makes it a strong candidate for consideration. The stock’s ability to navigate regulatory challenges, deliver innovation, maintain high investor engagement, and capitalize on both sector and macro trends suggests it may be entering a new bullish phase. Supported by a sophisticated management team and a culture of resilience, ICICI Lombard General Insurance seems to represent an excellent opportunity for investors looking to gain exposure to the insurance and broader financial services sector in India. In today’s landscape, as the company approaches possible new highs and readies for its next quarterly results, the fundamentals justify renewed interest and a confidently optimistic outlook.
How to buy ICICI Lombard General Insurance stock in India?
Buying ICICI Lombard General Insurance stock online is both simple and secure through any SEBI-registered broker in India. You can either purchase the shares directly (spot buying), becoming a part-owner of the company, or trade via CFDs (Contracts for Difference) to speculate on price movements with leverage. Both methods are easy to access from your computer or phone and offer different benefits depending on your strategy. For a side-by-side look at top brokers and their offerings, check the comparison further down this page.
Cash buying
When you buy ICICI Lombard General Insurance shares for cash, you own the actual stock in your demat account and can benefit from dividends and potential capital gains. Most Indian brokers charge a fixed commission per order—typically around ₹20–₹30 (about $5)—plus statutory taxes.
Example of a share purchase gain scenario
If the ICICI Lombard General Insurance share price is $24 (approx. ₹2,034.10), you can buy around 41 shares with a $1,000 stake, including a brokerage fee of around $5.
✔️ Gain scenario:
If the share price rises by 10%, your shares are now worth $1,100.
Result: +$100 gross gain, i.e. +10% on your investment.
This option is ideal for investors looking to hold the stock for the long term and participate in the insurer’s ongoing growth.
Trading via CFD
CFDs (“Contracts for Difference”) allow you to trade on the price of ICICI Lombard General Insurance without owning the shares. You can use leverage for increased exposure, but pay a spread (difference between buy/sell prices) and, if you hold overnight, a small financing fee.
Gain scenario
You open a CFD position on ICICI Lombard General Insurance shares, with 5x leverage.
This gives you a market exposure of $5,000.
If the stock rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain, on a bet of $1,000 (excluding fees).
CFD trading is suitable for more active investors looking to benefit from short-term movements without tying up too much capital, but it comes with higher risk due to leverage.
Final advice
Always compare brokers on fees, platform quality, and available services before investing in ICICI Lombard General Insurance—our broker comparison is available further down this page. Whether you prefer spot buying for long-term growth or CFDs for tactical trading, your choice should fit your financial goals and risk profile.
Check out the best brokers in India!Compare brokers7 Tips for Buying ICICI Lombard General Insurance Stock
📊 Step | 📝 Specific tip for ICICI Lombard General Insurance |
---|---|
Analyze the market | Review India’s general insurance sector growth and ICICI Lombard General Insurance’s market share evolution. |
Choose the right trading platform | Open an account with a SEBI-registered broker offering low commissions on ICICI Lombard General Insurance shares. |
Define your investment budget | Invest only what fits your financial goals, balancing ICICI Lombard General Insurance with other portfolios. |
Choose a strategy (short or long term) | Consider a long-term approach, as ICICI Lombard General Insurance benefits from sector expansion and digital innovation. |
Monitor news and financial results | Track quarterly earnings and industry news, as they often impact ICICI Lombard General Insurance’s share price. |
Use risk management tools | Place stop-loss orders to reduce potential losses during periods of higher volatility for ICICI Lombard General Insurance. |
Sell at the right time | Review technical levels and company milestones to help decide when to take profits or reduce exposure. |
The latest news about ICICI Lombard General Insurance
ICICI Lombard General Insurance’s quarterly earnings exceeded analyst estimates by 10% according to Morgan Stanley. The company reported a net profit of ₹510 crores for Q1 FY25, which, despite being a sequential decline, still surpassed market forecasts and reinforced its operational resilience in a competitive Indian insurance landscape driven by expanding domestic demand.
The Bombay High Court annulled a GST demand of ₹1,728.86 crores against ICICI Lombard General Insurance, requiring a new hearing. Management confirmed that this regulatory development currently has no adverse impact on the company’s financial position, supporting near-term stability and boosting confidence among both investors and counterparties in India.
ICICI Lombard General Insurance has maintained strong technical momentum, trading above all major moving averages. The stock’s 20-day, 50-day, 100-day, and 200-day averages are all supportive, while a positive MACD signal underlines continued buying interest from market participants on Indian exchanges.
The company’s market capitalization crossed ₹1,01,000 crores with average daily trading volume exceeding 3 lakh shares. Such deep liquidity and broad market participation underline high institutional and retail confidence in ICICI Lombard General Insurance’s role as a private sector leader, facilitating efficient price discovery and investment flows.
Sector sentiment remains optimistic, buoyed by digital innovation and ongoing expansion of India’s middle class. With digital transformation driving operational gains and cross-country growth, analysts maintain a predominantly positive outlook, noting the firm’s dominance in general insurance and its capacity to adapt to India’s dynamic regulatory environment.
FAQ
What is the latest dividend for ICICI Lombard General Insurance stock?
ICICI Lombard General Insurance currently pays a dividend, with the most recent distribution amounting to ₹12.47 per share. The dividend yield stands at 0.61%, and payments are typically declared annually following the company’s financial performance. The company’s dividend policy reflects its stable cash flow and ongoing commitment to shareholder returns.
What is the forecast for ICICI Lombard General Insurance stock in 2025, 2026, and 2027?
Based on the current price, the projected values are ₹2,644 for end-2025, ₹3,051 for end-2026, and ₹4,068 for end-2027. The stock benefits from sustained sector growth and strong analyst support, with digital innovation and market leadership expected to enhance its medium- and long-term potential.
Should I sell my ICICI Lombard General Insurance shares?
Given the company’s solid strategic position, robust historical growth, and leadership in India’s private insurance sector, holding onto ICICI Lombard General Insurance shares may be a wise choice for investors seeking long-term value. The firm’s fundamentals, credible management, and market momentum support a positive outlook, which makes a hold strategy appropriate for many.
Are dividends from ICICI Lombard General Insurance subject to tax in India?
Yes, dividends distributed by ICICI Lombard General Insurance are subject to a withholding tax as per Indian tax regulations. For resident individuals, dividends are taxable according to their income slab, and there is no special exemption threshold. Investors should also note that long-term capital gains above ₹1 lakh are taxed at 10%.
What is the latest dividend for ICICI Lombard General Insurance stock?
ICICI Lombard General Insurance currently pays a dividend, with the most recent distribution amounting to ₹12.47 per share. The dividend yield stands at 0.61%, and payments are typically declared annually following the company’s financial performance. The company’s dividend policy reflects its stable cash flow and ongoing commitment to shareholder returns.
What is the forecast for ICICI Lombard General Insurance stock in 2025, 2026, and 2027?
Based on the current price, the projected values are ₹2,644 for end-2025, ₹3,051 for end-2026, and ₹4,068 for end-2027. The stock benefits from sustained sector growth and strong analyst support, with digital innovation and market leadership expected to enhance its medium- and long-term potential.
Should I sell my ICICI Lombard General Insurance shares?
Given the company’s solid strategic position, robust historical growth, and leadership in India’s private insurance sector, holding onto ICICI Lombard General Insurance shares may be a wise choice for investors seeking long-term value. The firm’s fundamentals, credible management, and market momentum support a positive outlook, which makes a hold strategy appropriate for many.
Are dividends from ICICI Lombard General Insurance subject to tax in India?
Yes, dividends distributed by ICICI Lombard General Insurance are subject to a withholding tax as per Indian tax regulations. For resident individuals, dividends are taxable according to their income slab, and there is no special exemption threshold. Investors should also note that long-term capital gains above ₹1 lakh are taxed at 10%.