Nifty
Sensex
:
:
25966.40
84929.36
150.85 (0.58%)
447.55 (0.53%)

Insurance - General

Rating :
47/99

BSE: 540769 | NSE: NIACL

155.74
19-Dec-2025
  • Open
  • High
  • Low
  • Previous Close
  •  159.33
  •  161.7
  •  153.68
  •  158.96
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1158123
  •  181395517.66
  •  221.8
  •  135.6

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 25,692.32
  • 22.11
  • 5
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 30,731.53
  • 1.15%
  • 1.11

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 85.44%
  • 0.23%
  • 1.99%
  • FII
  • DII
  • Others
  • 1.01%
  • 10.87%
  • 0.46%

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
  • 2.99
  • -8.77
  • -1.94

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 19.75
  • 26.29
  • 29.50

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 7.80
  • 1.28
  • 1.38

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 15.19
  • 22.06
  • 29.19

Earnings Forecasts:

(Updated: 13-12-2025)
Description
2024
2025
2026
2027
Adj EPS
6.31
10.18
13.13
19.34
P/E Ratio
24.68
15.30
11.86
8.05
Revenue
41238.2
39118.7
42248.1
46554.2
EBITDA
-1899.25
1596.1
2474.9
3336.1
Net Income
1039.77
1600.8
1861.2
3186.4
ROA
0.95
1.34
1.92
2.36
P/B Ratio
1.13
0.61
0.56
0.96
ROE
4.66
3.9
4.55
12.39
FCFF
-3505.56
FCFF Yield
-40.1
Net Debt
-17710.5
-17783
-17960.8
-18140.4
BVPS
138.08
255.1
278.3
162.84

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Net Sales
9,455.42
8,567.30
10.37%
9,423.99
8,547.37
10.26%
9,352.45
8,983.27
4.11%
9,070.33
8,986.77
0.93%
Expenses
13,318.55
10,645.94
25.10%
11,529.71
10,148.33
13.61%
11,238.68
11,251.58
-0.11%
10,604.54
10,499.76
1.00%
EBITDA
-3,863.13
-2,078.64
-
-2,105.72
-1,600.96
-
-1,886.23
-2,268.31
-
-1,534.21
-1,512.99
-
EBIDTM
-40.86%
-24.26%
-22.34%
-18.73%
-20.17%
-25.25%
-16.91%
-16.84%
Other Income
3,886.48
2,219.39
75.11%
2,496.85
1,873.05
33.30%
2,388.59
2,738.16
-12.77%
1,641.47
2,379.43
-31.01%
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
23.35
140.75
-83.41%
391.13
272.09
43.75%
502.36
469.85
6.92%
107.26
866.44
-87.62%
Tax
3.25
67.19
-95.16%
-1.27
39.29
-
180.79
162.08
11.54%
-237.00
153.44
-
PAT
20.10
73.56
-72.68%
392.40
232.80
68.56%
321.57
307.77
4.48%
344.26
713.00
-51.72%
PATM
0.21%
0.86%
4.16%
2.72%
3.44%
3.43%
3.80%
7.93%
EPS
0.33
0.54
-38.89%
2.43
1.45
67.59%
2.18
1.89
15.34%
2.12
4.38
-51.60%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
37,302.19
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Sales Growth
6.32%
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
0.00
Gross Profit
37,302.19
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
GP Margin
100.00%
0
0
0
0
0
0
0
0
0
0
Total Expenditure
46,691.48
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.
-
221.23
680.27
3,985.22
452.08
537.94
1,082.82
41.31
18.59
4.13
0.00
% Of Sales
-
0
0
0
0
0
0
0
0
0
0
EBITDA
-9,389.29
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
EBITDA Margin
-25.17%
0
0
0
0
0
0
0
0
0
0
Other Income
10,413.39
92.63
15.10
65.16
94.98
29.40
54.88
42.38
102.04
218.41
57.25
Interest
0.00
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
0.00
PBT
1,024.10
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax
-54.23
50.28
320.98
195.17
-0.31
432.01
223.37
72.23
533.19
166.31
89.43
Tax Rate
-5.30%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
PAT
1,078.33
1,036.63
1,116.48
1,099.40
194.57
1,640.47
1,429.09
604.84
2,090.89
997.01
772.35
PAT before Minority Interest
1,078.67
1,036.63
1,116.48
1,099.40
194.57
1,640.47
1,429.09
604.84
2,090.89
997.01
772.35
Minority Interest
0.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
2.89%
0
0
0
0
0
0
0
0
0
0
PAT Growth
-18.75%
-7.15%
1.55%
465.04%
-88.14%
14.79%
136.28%
-71.07%
109.72%
29.09%
 
EPS
6.54
6.29
6.77
6.67
1.18
9.95
8.67
3.67
12.69
6.05
4.69

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
22,803.32
21,894.02
21,172.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Share Capital
824.00
824.00
824.00
824.00
824.00
824.00
824.00
412.00
200.00
200.00
Total Reserves
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
11,711.63
Non-Current Liabilities
271.22
298.93
281.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
47,965.58
45,231.91
42,465.51
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
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
9,385.47
Total Liabilities
23,074.54
22,192.95
21,453.52
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Block
532.67
471.21
563.78
562.72
546.92
557.71
560.61
560.18
374.32
338.34
Gross Block
1,203.31
1,453.31
1,538.91
1,485.95
1,423.20
1,378.14
1,324.00
1,253.01
1,019.70
958.75
Accumulated Depreciation
670.64
982.10
975.13
923.22
876.29
820.43
763.39
692.84
645.38
620.40
Non Current Assets
538.43
490.85
577.91
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
5.76
19.64
14.12
18.07
15.66
25.16
44.62
33.18
56.69
15.20
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
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
7,216.23
Other Current Assets
8,061.52
8,062.15
9,028.90
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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
538.43
490.85
988.05
820.28
1,230.42
1,730.57
183.47
276.93
221.34
435.78

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-3,389.71
-4,671.83
-5,855.35
-4,051.50
776.89
-967.08
-1,334.01
425.00
-123.55
-1,605.25
PBT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Adjustment
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
374.61
Changes in Working Capital
-6.06
-273.70
10.95
-17.76
-19.11
-37.99
0.73
-18.30
-3.44
21.02
Cash after chg. in Working capital
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
395.63
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-5,238.53
-5,079.17
-4,769.83
-3,942.84
-4,120.01
-3,786.75
-3,343.94
-3,195.51
-2,037.31
-2,000.88
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
4,691.30
7,181.38
5,386.55
4,892.78
-593.19
2,586.42
2,289.58
-859.95
1,792.91
552.44
Net Fixed Assets
266.52
1.42
-40.92
-60.78
17.27
-46.63
-72.76
-198.72
-137.75
-75.94
Net Investments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Others
4,424.78
7,179.96
5,427.47
4,953.56
-610.46
2,633.05
2,362.34
-661.23
1,930.66
628.38
Cash from Financing Activity
-343.18
-325.82
-64.77
-5.66
76.80
-299.80
-475.64
1,124.73
-307.35
-365.56
Net Cash Inflow / Outflow
958.41
2,183.73
-533.57
835.62
260.50
1,319.53
479.93
689.78
1,362.00
-1,418.37
Opening Cash & Equivalents
8,739.13
6,572.66
12,629.27
11,786.93
11,266.88
9,708.81
9,181.71
8,125.73
7,216.23
8,437.41
Closing Cash & Equivalent
9,972.70
8,778.46
12,409.92
12,629.27
11,786.93
11,266.88
9,708.81
9,181.71
8,125.73
7,216.23

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
138.37
132.85
125.99
115.35
112.46
99.30
99.35
96.55
311.45
286.90
ROA
2.31%
2.63%
2.77%
0.50%
4.90%
4.24%
1.55%
5.53%
2.96%
2.36%
ROE
4.64%
5.23%
5.53%
1.04%
9.40%
8.73%
3.75%
14.74%
8.33%
6.66%
ROCE
4.86%
6.74%
6.51%
1.03%
11.88%
10.10%
4.19%
18.50%
9.72%
7.44%
Fixed Asset Turnover
26.75
22.85
20.12
19.98
18.83
17.51
16.77
17.45
18.13
23.90
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.