LIC OF INDIA (LICI) – Complete Share Analysis
CMP. ₹392.75
NSE: LICI | CMP as provided | India
Life Insurance Corporation of India is India's largest life insurer, with significant opportunities from insurance penetration, premium growth and expansion of its private-sector market share.
1. BUY TARGET & STOPLOSS
The following are provisional CMP-based trading levels, not verified chart support and resistance levels.
Investment strategy
Particulars | Price |
|---|---|
CMP | ₹392.75 |
First buying zone | ₹385–393 |
Second buying zone | ₹370–375 |
Stop-loss | ₹358 |
Target 1 | ₹410 |
Target 2 | ₹430 |
Target 3 | ₹450 |
Breakout buying: Consider fresh buying above ₹410 after confirmation with strong volume.
2. Technical view
Short-term: Neutral to cautiously bullish, pending chart confirmation.
Immediate resistance: ₹410.
Next resistance: ₹430–450.
Important support: ₹385.
Stronger support: ₹370.
Breakdown below ₹358 can weaken the setup.
A TradingView chart is needed to confirm RSI, MACD, moving averages and actual trend direction.
3. Probability analysis
Illustrative scenario probabilities, not statistically validated forecasts.
Scenario | Probability |
|---|---|
Bullish towards ₹410–430 | 50% |
Sideways consolidation | 30% |
Bearish correction | 20% |
4. EPS future growth
LIC's earnings growth depends on:
Individual and group premium growth.
Higher share of non-participating products.
Improvement in Value of New Business (VNB).
Better product mix.
Persistency and operating efficiency.
Investment income and market performance.
Financial year | EPS outlook |
|---|---|
FY2026 | Latest reported EPS needs verification |
FY2027 | Growth dependent on VNB and premium expansion |
FY2028 | Growth dependent on margins and insurance penetration |
I would not assign an exact EPS growth percentage without verified financial results and analyst forecasts.
5. P/E ratio and fair price
For LIC, P/E alone is not sufficient. Embedded Value (EV), Value of New Business (VNB), VNB margin and return on embedded value are important valuation measures.
Valuation parameter | Assessment |
|---|---|
CMP | ₹392.75 |
Current P/E | Latest verified data required |
Forward P/E | Requires forecast EPS |
Embedded Value | Latest company report required |
Fair price | Requires updated EV and earnings |
Fair price formula:
A proper LIC valuation should also use its embedded value and the market's valuation of that embedded value.
6. Dividend and dividend yield
LIC has a dividend-paying history.
Dividend amount should be checked against its latest declared dividend.
Yield calculation:
The FY2026 dividend per share and actual yield require verification.
7. Final recommendation
BUY ON CORRECTION
CMP: ₹392.75
Buying range: ₹385–393
Second buying: ₹370–375
Stop-loss: ₹358
Targets: ₹410 / ₹430 / ₹450
Bullish probability: 50% (illustrative)
Long-term view: Positive, subject to VNB growth, profitability and valuation.
Disclaimer: Trading levels are provisional, not live-chart-confirmed. Verify the quoted security price and latest financial statements before investing.
SHREEJI FINANCE & INVESTMENT
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