{"id":154151,"date":"2026-07-16T11:05:03","date_gmt":"2026-07-16T05:35:03","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=154151"},"modified":"2026-07-16T11:05:05","modified_gmt":"2026-07-16T05:35:05","slug":"icici-lombard-general-insurance-share-price-q1-results-16-july-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/","title":{"rendered":"ICICI Lombard General Insurance Gains 1.48% After Q1 Results: Stock Rises Despite 46% Drop in Net Profit"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>ICICI Lombard share price up 1.48% to Rs 1,814.60 on 15 July 2026 despite Q1 FY27 PAT falling 46% to Rs 403 crore. GWP up 10% to Rs 8,860 crore.<\/em><\/p>\n<p>ICICI Lombard General Insurance share price rose 1.48 percent to close at Rs 1,814.60 on Wednesday, 15 July 2026, even as the general insurer reported a sharp 46 percent year on year decline in Q1 FY27 net profit, with investors looking past the weaker bottom line to focus on underlying growth and capital strength. The ICICI Lombard General Insurance share price move on results day was one of the more closely watched insurance sector reactions of the season.<\/p>\n<p><a href=\"https:\/\/univest.in\/stocks\/icicigi\/icici-lombard-general-insurance-company-ltd-share-price-today\">ICICI Lombard General Insurance<\/a>&#8216;s net profit fell to Rs 403.17 crore in Q1 FY27 from Rs 747.08 crore a year earlier, primarily due to the recognition of claim reserves following a Supreme Court judgment on compensation for unpaid domestic work under the Motor Vehicles Act, along with two large fire segment losses.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=news-update\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#ICICI_Lombard_General_Insurance_Q1_FY27_Financial_Highlights\" title=\"ICICI Lombard General Insurance Q1 FY27 Financial Highlights\">ICICI Lombard General Insurance Q1 FY27 Financial Highlights<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#ICICI_Lombard_General_Insurance_Q1_FY27_Performance_Analysis\" title=\"ICICI Lombard General Insurance Q1 FY27 Performance Analysis\">ICICI Lombard General Insurance Q1 FY27 Performance Analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Key_Business_Factors_in_Q1_FY27\" title=\"Key Business Factors in Q1 FY27\">Key Business Factors in Q1 FY27<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Supreme_Court_Judgment_Impact\" title=\"Supreme Court Judgment Impact\">Supreme Court Judgment Impact<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Fire_Segment_Losses\" title=\"Fire Segment Losses\">Fire Segment Losses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Strong_Retail_Health_Growth\" title=\"Strong Retail Health Growth\">Strong Retail Health Growth<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Dividend_Details\" title=\"Dividend Details\">Dividend Details<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#FY27_Outlook\" title=\"FY27 Outlook\">FY27 Outlook<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#ICICI_Lombard_General_Insurance_Stock_Performance\" title=\"ICICI Lombard General Insurance Stock Performance\">ICICI Lombard General Insurance Stock Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Key_Risks\" title=\"Key Risks\">Key Risks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Motor_TP_Claims_Inflation\" title=\"Motor TP Claims Inflation\">Motor TP Claims Inflation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Combined_Ratio_Pressure\" title=\"Combined Ratio Pressure\">Combined Ratio Pressure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Fire_Segment_Volatility\" title=\"Fire Segment Volatility\">Fire Segment Volatility<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#FAQs\" title=\"FAQs\">FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#1_Why_did_ICICI_Lombard_share_price_rise_despite_a_profit_decline\" title=\"1. Why did ICICI Lombard share price rise despite a profit decline?\">1. Why did ICICI Lombard share price rise despite a profit decline?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#2_Why_did_ICICI_Lombards_Q1_FY27_net_profit_fall_46\" title=\"2. Why did ICICI Lombard&#8217;s Q1 FY27 net profit fall 46%?\">2. Why did ICICI Lombard&#8217;s Q1 FY27 net profit fall 46%?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#3_What_was_ICICI_Lombards_Q1_FY27_gross_written_premium\" title=\"3. What was ICICI Lombard&#8217;s Q1 FY27 gross written premium?\">3. What was ICICI Lombard&#8217;s Q1 FY27 gross written premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#4_Did_ICICI_Lombard_General_Insurance_declare_a_dividend\" title=\"4. Did ICICI Lombard General Insurance declare a dividend?\">4. Did ICICI Lombard General Insurance declare a dividend?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#5_What_is_ICICI_Lombards_combined_ratio\" title=\"5. What is ICICI Lombard&#8217;s combined ratio?\">5. What is ICICI Lombard&#8217;s combined ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#6_What_is_ICICI_Lombards_solvency_ratio\" title=\"6. What is ICICI Lombard&#8217;s solvency ratio?\">6. What is ICICI Lombard&#8217;s solvency ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/icici-lombard-general-insurance-share-price-q1-results-16-july-2026\/#7_What_is_the_ICICI_Lombard_share_price_today\" title=\"7. What is the ICICI Lombard share price today?\">7. What is the ICICI Lombard share price today?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_Q1_FY27_Financial_Highlights\"><\/span><strong>ICICI Lombard General Insurance Q1 FY27 Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<th style=\"background: #000000; color: #ffffff; padding: 8px; border: 1px solid #ccc; text-align: left;\">Metric<\/th>\n<th style=\"background: #000000; color: #ffffff; padding: 8px; border: 1px solid #ccc; text-align: left;\">Q1 FY27<\/th>\n<th style=\"background: #000000; color: #ffffff; padding: 8px; border: 1px solid #ccc; text-align: left;\">Q1 FY26<\/th>\n<th style=\"background: #000000; color: #ffffff; padding: 8px; border: 1px solid #ccc; text-align: left;\">YoY Change<\/th>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Net Profit<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Rs 403.17 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Rs 747.08 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">-46.05%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Net Premium Income<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Rs 5,950 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Rs 5,136 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">+15.85%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Gross Written Premium<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Rs 8,860 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">~Rs 8,055 Cr<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">+10%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">Combined Ratio<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">107.2%<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">102.9%<\/td>\n<td style=\"padding: 8px; border: 1px solid #ccc;\">+430 bps<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The ICICI Lombard General Insurance share price moved 1.48% on results day as the market weighed these Q1 FY27 numbers against expectations.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_Q1_FY27_Performance_Analysis\"><\/span><strong>ICICI Lombard General Insurance Q1 FY27 Performance Analysis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/sebi-registered-investment-advisor-india\"><strong>Univest is a SEBI-Registered Investment Advisor, Know More<\/strong><\/a><\/p>\n<p>The steep decline in ICICI Lombard General Insurance&#8217;s Q1 FY27 net profit was driven almost entirely by one-off factors: a Rs 165 crore claim reserve impact from the Supreme Court&#8217;s Motor Vehicles Act judgment and two large fire segment losses. Excluding these items, the company said PAT would have de-grown a more modest 23 percent.<\/p>\n<p>Despite the profit miss, gross written premium grew 10 percent year on year to Rs 8,860 crore and net premium income rose 15.85 percent to Rs 5,950 crore, showing the underlying business continued to expand even as underwriting profitability came under pressure from the combined ratio deteriorating to 107.2 percent from 102.9 percent a year earlier.<\/p>\n<p>Retail health insurance was a bright spot, growing 69.5 percent against industry growth of 31.6 percent, while the solvency ratio improved marginally to 2.71 times from 2.67 times sequentially, comfortably above the regulatory minimum of 1.5 times. The ICICI Lombard General Insurance share price reaction shows the market weighing this underlying strength against the one-off profit hit.<\/p>\n<p>This performance is the key data point behind the ICICI Lombard General Insurance share price reaction, and it is the number analysts will build their FY27 estimates around going forward.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Business_Factors_in_Q1_FY27\"><\/span><strong>Key Business Factors in Q1 FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Supreme_Court_Judgment_Impact\"><\/span><strong>Supreme Court Judgment Impact<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a key factor behind the ICICI Lombard General Insurance share price move on results day. A Supreme Court ruling on compensation for unpaid domestic work under the Motor Vehicles Act added Rs 165 crore in claim reserves, a one-off item that weighed heavily on reported profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fire_Segment_Losses\"><\/span><strong>Fire Segment Losses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a key factor behind the ICICI Lombard General Insurance share price move on results day. Two large fire segment losses contributed further pressure on underwriting profitability during the quarter, alongside the Motor TP reserve impact.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Strong_Retail_Health_Growth\"><\/span><strong>Strong Retail Health Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a key factor behind the ICICI Lombard General Insurance share price move on results day. Retail health insurance grew 69.5 percent year on year, more than double the industry growth rate of 31.6 percent, a segment ICICI Lombard has been actively expanding.<\/p>\n<p>Each of these factors fed into the ICICI Lombard General Insurance share price move on results day, and together they frame how the market is likely to read the next quarter&#8217;s numbers as well.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_Details\"><\/span><strong>Dividend Details<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the dividend front relevant to the ICICI Lombard General Insurance share price story, iCICI Lombard&#8217;s board approved a final dividend of Rs 7 per equity share of face value Rs 10 each for the year ended 31 March 2026, separate from the Q1 FY27 quarterly results.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FY27_Outlook\"><\/span><strong>FY27 Outlook<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Management flagged that comprehensive Motor TP tariff hikes will be necessary to offset the elevated claims environment, and until such revisions materialise, near-term profitability could remain under pressure even as premium growth continues. The company&#8217;s robust solvency position of 2.71 times provides a cushion, and analysts will watch whether the adjusted combined ratio of 103.4 percent, closer to historical norms, is a better guide to underlying profitability than the headline 107.2 percent figure.<\/p>\n<p>Investors tracking the ICICI Lombard General Insurance share price into the rest of FY27 should treat this outlook commentary as directional rather than guaranteed, and should watch subsequent quarterly filings to confirm whether the trajectory holds for the ICICI Lombard General Insurance share price.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"ICICI_Lombard_General_Insurance_Stock_Performance\"><\/span><strong>ICICI Lombard General Insurance Stock Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track ICICI Lombard&#8217;s live share price and Q1 FY27 results reaction.<\/em><\/p>\n<p>ICICI Lombard General Insurance share price rose 1.48 percent to close at Rs 1,814.60 on results day, compared with a previous close of Rs 1,788.10, suggesting investors looked past the weaker headline profit number and focused on premium growth and capital strength. As of 16 July 2026, the stock was trading lower around Rs 1,604.90 on the NSE, a move that market participants should verify against subsequent company-specific developments rather than attribute directly to the Q1 results.<\/p>\n<p>The ICICI Lombard General Insurance share price chart over the next few sessions will help confirm whether the results-day move in the ICICI Lombard General Insurance share price reflects a durable re-rating or a shorter-term reaction that partially fades as broader market flows take over.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks\"><\/span><strong>Key Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Motor_TP_Claims_Inflation\"><\/span><strong>Motor TP Claims Inflation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a risk factor the ICICI Lombard General Insurance share price could face ahead. The Supreme Court judgment&#8217;s impact on Motor TP claims could persist into future quarters until tariff revisions are implemented, an outcome the company itself has flagged as necessary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Combined_Ratio_Pressure\"><\/span><strong>Combined Ratio Pressure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a risk factor the ICICI Lombard General Insurance share price could face ahead. A combined ratio above 100 percent, currently at 107.2 percent, means the company is paying out more in claims and expenses than it collects in premiums on an underwriting basis.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fire_Segment_Volatility\"><\/span><strong>Fire Segment Volatility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a risk factor the ICICI Lombard General Insurance share price could face ahead. Large corporate fire losses can be lumpy and unpredictable, creating quarter to quarter volatility in underwriting results.<\/p>\n<p>Any of these risks materialising could weigh on the ICICI Lombard General Insurance share price in subsequent quarters, even after this quarter&#8217;s results-day reaction.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ICICI Lombard General Insurance&#8217;s Q1 FY27 results showed a sharp 46 percent profit decline driven by one-off claim reserve and fire loss impacts, yet the ICICI Lombard General Insurance share price still rose 1.48 percent as investors focused on 10 percent premium growth and a healthy solvency position. Investors should track Motor TP tariff developments and the underlying combined ratio trend in coming quarters.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Why_did_ICICI_Lombard_share_price_rise_despite_a_profit_decline\"><\/span><strong>1. Why did ICICI Lombard share price rise despite a profit decline?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ICICI Lombard General Insurance share price rose 1.48 percent as investors looked past the 46 percent profit decline to focus on 10 percent gross written premium growth and strong retail health segment growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_did_ICICI_Lombards_Q1_FY27_net_profit_fall_46\"><\/span><strong>2. Why did ICICI Lombard&#8217;s Q1 FY27 net profit fall 46%?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The decline was driven by a Rs 165 crore claim reserve impact from a Supreme Court judgment on Motor Vehicles Act compensation, plus two large fire segment losses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_was_ICICI_Lombards_Q1_FY27_gross_written_premium\"><\/span><strong>3. What was ICICI Lombard&#8217;s Q1 FY27 gross written premium?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Gross Written Premium grew 10 percent year on year to Rs 8,860 crore in Q1 FY27.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Did_ICICI_Lombard_General_Insurance_declare_a_dividend\"><\/span><strong>4. Did ICICI Lombard General Insurance declare a dividend?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, the board approved a final dividend of Rs 7 per equity share for the year ended 31 March 2026.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_is_ICICI_Lombards_combined_ratio\"><\/span><strong>5. What is ICICI Lombard&#8217;s combined ratio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The combined ratio deteriorated to 107.2 percent in Q1 FY27 from 102.9 percent in Q1 FY26, reflecting elevated claims.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_is_ICICI_Lombards_solvency_ratio\"><\/span><strong>6. What is ICICI Lombard&#8217;s solvency ratio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The solvency ratio improved to 2.71 times as of 30 June 2026, from 2.67 times as of 31 March 2026, well above the regulatory minimum of 1.5 times.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_is_the_ICICI_Lombard_share_price_today\"><\/span><strong>7. What is the ICICI Lombard share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> ICICI Lombard General Insurance share price was trading around Rs 1,604.90 on the NSE as of 16 July 2026, and the ICICI Lombard General Insurance share price will remain sensitive to further Motor TP tariff developments.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>ICICI Lombard General Insurance share price rose 1.48% on results day even as Q1 FY27 net profit fell 46% to Rs 403 crore on a Supreme Court claims 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