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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comICICI Lombard General Insurance Company Ltd is one of India’s largest private-sector general insurance providers. The company has shown consistent growth in premium collection, profitability, and market share. With its diversified product portfolio, strong digital presence, and robust financials, ICICI Lombard has become a preferred stock among investors looking for long-term stability.
In this article, we’ll analyze ICICI Lombard’s share price performance, fundamentals, and future share price targets from 2025 to 2030.
| Detail | Value |
|---|---|
| Open | ₹1,895.10 |
| Previous Close | ₹1,854.80 |
| Volume | 4,877,488 |
| Value (Lacs) | 97,730.23 |
| VWAP | ₹1,986.20 |
| Beta (Volatility) | 0.81 |
| Market Capitalization (Cr) | ₹99,696 |
| High | ₹2,016.40 |
| Low | ₹1,895.10 |
| UC Limit | ₹2,040.20 |
| LC Limit | ₹1,669.40 |
| 52-Week High | ₹2,145.00 |
| 52-Week Low | ₹1,613.70 |
| Face Value | ₹10 |
| All-Time High | ₹2,301.90 |
| All-Time Low | ₹638.65 |
| 20D Avg Volume | 624,829 |
| 20D Avg Delivery (%) | 67.68 |
| Book Value Per Share | ₹273.83 |
| Dividend Yield | 0.62% |
Founded in 2001, ICICI Lombard is a leading general insurance company offering products across motor, health, travel, home, and corporate insurance categories. It operates under the ICICI Group umbrella, ensuring financial strength, brand trust, and strong distribution across India.
The company has leveraged digital platforms to enhance customer experience, streamline claim settlements, and expand policy accessibility. Its robust financials, high solvency ratio, and consistent underwriting profits make it a top performer in the insurance sector.
Largest private-sector general insurance company in India
Part of ICICI Group, a trusted name in banking and finance
Strong digital integration and customer service network
Healthy combined ratio and underwriting performance
Focused on health and motor insurance growth
Consistent dividend-paying track record
| Investor Type | Holding (%) |
|---|---|
| Promoters | 51.46% |
| Foreign Institutions | 23.93% |
| Mutual Funds | 14.94% |
| Retail & Others | 6.99% |
| Other Domestic Institutions | 2.67% |
This distribution shows a strong institutional holding, indicating confidence from both foreign and domestic investors.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 1,950 | 2,050 |
| 2026 | 2,100 | 2,250 |
| 2027 | 2,250 | 2,400 |
| 2028 | 2,400 | 2,600 |
| 2029 | 2,600 | 2,850 |
| 2030 | 2,850 | 3,100 |
These projections are based on ICICI Lombard’s consistent growth in premiums, profitability ratios, and market position, along with broader financial sector trends.
By 2025, ICICI Lombard is expected to continue its stable growth pattern. The company’s focus on health and motor insurance will contribute significantly to revenue.
Reasons for growth:
Increasing health awareness post-pandemic
Expansion in Tier-II and Tier-III cities
Strong claim settlement ratio and digital policy issuance
Investment Advice: A good year for accumulation and SIP-based investing.
In 2026, ICICI Lombard could see better profitability due to product diversification and lower claim ratios.
Reasons for growth:
Growing demand for corporate and travel insurance
Stable underwriting profits
Improved solvency margins and efficiency ratios
Investment Advice: Long-term investors can hold positions for steady capital appreciation.
By 2027, digital innovation and AI-driven claim management are expected to boost operational efficiency.
Reasons for growth:
Strong digital adoption and cost efficiency
Expansion of motor and health policy base
Rising income levels supporting insurance penetration
Investment Advice: Reinvest dividends; maintain exposure in the insurance sector for diversification.
The year 2028 may bring steady earnings growth backed by higher insurance premiums and improved risk management systems.
Reasons for growth:
Growth in motor and corporate insurance segments
Partnership expansion with banks and fintechs
Positive macroeconomic conditions in India
Investment Advice: Continue holding or adding during market dips.
ICICI Lombard could see further expansion in its product lines, especially in rural and MSME insurance.
Reasons for growth:
Government focus on insurance inclusion
Robust customer retention strategy
Increased institutional interest
Investment Advice: Suitable for long-term investors aiming for consistent returns.
By 2030, ICICI Lombard may reach new milestones, supported by a strong financial foundation and brand recognition.
Reasons for growth:
Digital innovation and AI integration
Growth in non-life insurance segments
Strong corporate governance and steady dividend payouts
Investment Advice: Excellent choice for a stable, defensive stock in a long-term portfolio.
Yes. ICICI Lombard is a fundamentally strong company in India’s expanding insurance market. With increasing financial awareness, low penetration in rural areas, and digital transformation, the company is well-positioned for long-term growth.
Market leadership and brand trust
Healthy balance sheet and consistent profitability
Expanding insurance reach across India
Strong institutional backing and promoter support
Low beta (0.81), indicating low volatility
Regulatory changes in the insurance sector
Natural calamities increasing claim ratios
Market volatility affecting short-term prices
Always consider your investment horizon and consult a financial advisor before investing.
ICICI Lombard General Insurance Company Ltd stands as one of the most reliable and fundamentally sound players in India’s insurance industry. Its strong market position, high solvency ratio, and efficient management make it a safe and consistent long-term investment.
Currently, the stock trades around ₹1,895 – ₹2,000 range, and analysts expect it to potentially reach ₹3,100 by 2030, backed by stable business growth and increasing insurance penetration in India.
For investors seeking long-term stability with moderate returns, ICICI Lombard could be an excellent choice.
What is the current share price of ICICI Lombard?
The current share price of ICICI Lombard is around ₹1,895 to ₹2,000 (as of May 2025).
What is the share price target for ICICI Lombard in 2025?
The 2025 target is estimated between ₹1,950 and ₹2,050.
Is ICICI Lombard a good long-term investment?
Yes, it is a strong long-term investment due to its consistent performance and leadership in the insurance industry.
What is the 2030 target for ICICI Lombard?
The projected target for 2030 is ₹2,850 – ₹3,100.
Who are the major shareholders of ICICI Lombard?
Promoters hold 51.46%, followed by FIIs (23.93%) and mutual funds (14.94%).
Does ICICI Lombard pay dividends?
Yes, it maintains a steady dividend yield of around 0.62%.
Is ICICI Lombard a safe investment?
Yes, with a beta of 0.81 and stable financials, it’s relatively less volatile.
What are the key growth drivers for ICICI Lombard?
Health insurance demand, digital initiatives, and motor policy renewals are major growth drivers.
How can I invest in ICICI Lombard shares?
You can invest through any registered stockbroker via NSE or BSE.
What is ICICI Lombard’s book value per share?
The company’s book value per share is ₹273.83.
Disclaimer: This article is for educational purposes only. Please consult a certified financial advisor before making investment decisions.
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