Nifty
Sensex
:
:
24206.90
77569.39
244.10 (1.02%)
827.57 (1.08%)

Insurance - General

Rating :
57/99

BSE: 540769 | NSE: NIACL

183.92
10-Jul-2026
  • Open
  • High
  • Low
  • Previous Close
  •  184.5
  •  186.41
  •  183.09
  •  183.62
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  767460
  •  141623053.55
  •  218
  •  116.97

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 30,331.44
  • N/A
  • 5
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 11,041.55
  • 0.82%
  • 1.23

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 85.44%
  • 0.20%
  • 2.01%
  • FII
  • DII
  • Others
  • 1.02%
  • 10.90%
  • 0.43%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.54
  • 48.65
  • 8.15

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 20.38
  • 26.30
  • 26.26

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 7.71
  • 1.25
  • 1.41

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 16.31
  • 23.62
  • 28.32

Earnings Forecasts:

(Updated: 11-07-2026)
Description
2026
2027
2028
2029
Adj EPS
37
11
31.52
8.19
P/E Ratio
4.97
16.72
5.84
22.46
Revenue
18.08
13.24
-
38868
EBITDA
41765.9
45107.2
-
1596.1
Net Income
2582.2
3592.4
-
1198.45
ROA
1480.25
1975.15
-
1.34
P/B Ratio
-0.01
-0.01
-
0.81
ROE
0.79
0.72
-
4.2
FCFF
5.5
6.4
-
-
FCFF Yield
-
-
-
-
Net Debt
-
-
-
-
BVPS
-19362.4
-19556
-
228.4

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Net Sales
10,021.77
9,352.45
7.16%
9,770.95
9,070.33
7.72%
9,455.42
8,567.30
10.37%
9,423.99
8,547.37
10.26%
Expenses
12,524.69
11,238.56
11.44%
11,862.75
10,604.54
11.86%
13,318.55
10,645.94
25.10%
11,529.71
10,148.33
13.61%
EBITDA
-2,502.92
-1,886.11
-
-2,091.80
-1,534.21
-
-3,863.13
-2,078.64
-
-2,105.72
-1,600.96
-
EBIDTM
-24.97%
-20.17%
-21.41%
-16.91%
-40.86%
-24.26%
-22.34%
-18.73%
Other Income
2,949.05
2,388.47
23.47%
2,464.02
1,641.47
50.11%
3,886.48
2,219.39
75.11%
2,496.85
1,873.05
33.30%
Interest
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Depreciation
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
PBT
446.13
502.36
-11.19%
372.22
107.26
247.03%
23.35
140.75
-83.41%
391.13
272.09
43.75%
Tax
-118.03
180.79
-
-4.69
-237.00
-
3.25
67.19
-95.16%
-1.27
39.29
-
PAT
564.16
321.57
75.44%
376.91
344.26
9.48%
20.10
73.56
-72.68%
392.40
232.80
68.56%
PATM
5.63%
3.44%
3.86%
3.80%
0.21%
0.86%
4.16%
2.72%
EPS
3.51
2.18
61.01%
2.31
2.12
8.96%
0.33
0.54
-38.89%
2.43
1.45
67.59%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Sales Growth
-
0
0
0
0
0
0
0
0
0
 
Cost Of Goods Sold
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
GP Margin
-
0
0
0
0
0
0
0
0
0
0
Total Expenditure
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Power & Fuel Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
Employee Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
Manufacturing Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
General & Admin Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
Miscellaneous Exp.
-
2,810.83
221.23
680.27
3,985.22
452.08
537.94
1,082.82
41.31
18.59
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
EBITDA
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
EBITDA Margin
-
0
0
0
0
0
0
0
0
0
0
Other Income
-
892.13
92.63
15.10
65.16
94.98
29.40
54.88
42.38
102.04
218.41
Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Depreciation
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax
-
-120.74
50.28
320.98
195.17
-0.31
432.01
223.37
72.23
533.19
166.31
Tax Rate
-
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
PAT
-
1,412.26
1,036.63
1,116.48
1,097.44
194.57
1,640.47
1,442.25
604.84
2,090.89
997.01
PAT before Minority Interest
-
1,412.26
1,036.63
1,116.48
1,097.44
194.57
1,640.47
1,442.25
604.84
2,090.89
997.01
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
-
0
0
0
0
0
0
0
0
0
0
PAT Growth
-
36.24%
-7.15%
1.73%
464.03%
-88.14%
13.74%
138.45%
-71.07%
109.72%
 
EPS
-
8.57
6.29
6.77
6.66
1.18
9.95
8.75
3.67
12.69
6.05

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
24,677.83
22,803.32
21,894.02
21,172.50
19,829.71
19,763.87
18,095.90
16,555.83
16,187.68
12,679.28
Share Capital
824.00
824.00
824.00
824.00
824.00
824.00
824.00
824.00
412.00
200.00
Total Reserves
23,853.83
21,979.32
21,070.02
20,348.50
19,005.71
18,939.87
17,271.90
15,731.83
15,775.68
12,479.28
Non-Current Liabilities
249.82
271.22
298.93
281.02
256.66
240.59
225.00
206.87
207.11
219.75
Secured Loans
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Liabilities
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Trade Payables
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
53,528.97
47,965.58
45,231.91
42,465.51
41,234.18
39,569.26
35,712.89
29,856.78
25,493.94
23,846.44
Short Term Borrowings
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Short Term Provisions
18,226.55
17,574.68
16,725.60
16,403.95
15,352.74
14,360.10
13,093.47
11,791.53
11,088.95
9,876.38
Total Liabilities
24,927.65
23,074.54
22,192.95
21,453.52
20,086.37
20,004.46
18,320.90
16,762.70
16,394.79
12,899.03
Net Block
513.28
526.56
471.21
563.78
562.72
546.92
557.71
560.61
560.18
374.32
Gross Block
1,242.16
1,197.20
1,453.31
1,538.91
1,485.95
1,423.20
1,378.14
1,324.00
1,253.01
1,019.70
Accumulated Depreciation
728.88
670.64
982.10
975.13
923.22
876.29
820.43
763.39
692.84
645.38
Non Current Assets
525.88
532.32
490.85
577.91
580.79
562.57
582.88
605.22
593.35
431.01
Capital Work in Progress
12.60
5.76
19.64
14.12
18.07
15.66
25.16
44.62
33.18
56.69
Non Current Investment
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Loans & Adv.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Non Current Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash & Bank
19,289.89
17,710.50
14,320.10
12,409.92
12,629.27
11,786.93
11,266.88
9,708.81
9,181.71
8,125.73
Other Current Assets
8,721.31
8,061.33
8,062.15
9,028.90
9,842.60
10,314.14
10,200.25
9,030.47
8,770.14
8,519.27
Short Term Loans & Adv.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Current Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Assets
525.88
532.32
490.85
988.05
1,401.07
1,792.99
2,313.45
788.69
870.28
652.35

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-4,532.06
-3,389.71
-4,671.83
-5,855.35
-4,051.50
776.89
-967.08
-1,334.01
425.00
-123.55
PBT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Adjustment
820.37
1,854.88
681.04
-1,096.47
-90.91
4,916.01
2,857.67
2,009.19
3,638.80
1,917.19
Changes in Working Capital
33.47
-6.06
-273.70
10.95
-17.76
-19.11
-37.99
0.73
-18.30
-3.44
Cash after chg. in Working capital
853.84
1,848.82
407.34
-1,085.52
-108.67
4,896.91
2,819.68
2,009.93
3,620.51
1,913.75
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-5,385.90
-5,238.53
-5,079.17
-4,769.83
-3,942.84
-4,120.01
-3,786.75
-3,343.94
-3,195.51
-2,037.31
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
1,834.92
3,057.89
7,181.38
5,386.55
4,892.78
-593.19
2,586.42
2,289.58
-859.95
1,792.91
Net Fixed Assets
-35.77
266.33
1.42
-40.92
-60.78
17.27
-46.63
-72.76
-198.72
-137.75
Net Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Others
1,870.69
2,791.56
7,179.96
5,427.47
4,953.56
-610.46
2,633.05
2,362.34
-661.23
1,930.66
Cash from Financing Activity
-296.69
-343.18
-325.82
-64.77
-5.66
76.80
-299.80
-475.64
1,124.73
-307.35
Net Cash Inflow / Outflow
-2,993.83
-675.00
2,183.73
-533.57
835.62
260.50
1,319.53
479.93
689.78
1,362.00
Opening Cash & Equivalents
8,366.69
8,814.70
6,572.66
12,629.27
11,786.93
11,266.88
9,708.81
9,181.71
8,125.73
7,216.23
Closing Cash & Equivalent
5,588.32
8,366.69
8,778.46
12,409.92
12,629.27
11,786.93
11,266.88
9,708.81
9,181.71
8,125.73

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
149.74
138.37
132.85
125.99
115.35
112.46
99.30
99.35
96.55
311.45
ROA
3.41%
2.31%
2.63%
2.77%
0.50%
4.90%
4.24%
1.55%
5.53%
2.96%
ROE
5.95%
4.64%
5.23%
5.53%
1.04%
9.40%
8.73%
3.75%
14.74%
8.33%
ROCE
5.44%
4.86%
6.74%
6.51%
1.03%
11.88%
10.10%
4.19%
18.50%
9.72%
Fixed Asset Turnover
31.71
26.82
22.85
20.12
19.98
18.83
17.51
16.77
17.45
18.13
Receivable days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Debt/Equity
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Cover
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.