General Insurance Corporation of India Share Price Target 2027: 20.1% Upside to Rs 402

Investors weighing a General Insurance Corporation of India target price for 2027 should start with where the stock sits today. At Rs 334.65 on 10 November 2026, it is 19.9% below its 52-week high of Rs 417.95 and 8.7% above its 52-week low of Rs 308.00. That range spans 36% from low to high, so the entry point matters as much as the General Insurance Corporation of India price forecast itself.

This article builds the General Insurance Corporation of India share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario states its assumptions, so you can trace how the base case, the bull case and the downside risk level were reached and test them against your own view.

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General Insurance Corporation of India Stock Analysis: Company Overview and Key Stats

General Insurance Corporation of India (NSE: GICRE) has a market capitalisation of Rs 58,772 crore. In FY26 it reported revenue of Rs 54,357 crore and net profit of Rs 9,000 crore. The table collects the figures the General Insurance Corporation of India share price target is built on.

Metric	Value
Company	General Insurance Corporation of India
NSE Ticker	GICRE
CMP (10 November 2026)	Rs 334.65
52-Week High	Rs 417.95
52-Week Low	Rs 308.00
Market Cap	Rs 58,772 crore
PE Ratio (TTM)	6.55
Industry PE	10.01
Price to Book	0.79
Return on Equity	12.10%
Debt to Equity	0.00
EPS (TTM)	Rs 51.11
Dividend Yield	3.96%
12-Month Base Target	Rs 402
Bull Case	Rs 481
Downside Risk Level (not a target)	Rs 268

Why Is General Insurance Corporation of India Share Price Target Set at Rs 402 for 2027?

The arithmetic is short. Trailing EPS of Rs 51.11 grown for one year gives a forward EPS estimate of Rs 61.33, and multiplying it by the unchanged PE of 6.55 gives the Rs 402 base-case General Insurance Corporation of India stock target. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.

Earnings Growth Behind the General Insurance Corporation of India Target Price: Five Years of Results

General Insurance Corporation of India grew revenue from Rs 49,739 crore in FY22 to Rs 54,357 crore in FY26, a compound annual growth rate of 2.2%. Net profit grew faster, from Rs 2,199 crore to Rs 9,000 crore (42.2% a year), which shows margin gains did part of the work and not just higher sales.

Financial Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Dividend per Share (Rs)
FY22	49,739.32	2,198.76	13.60	2.25
FY23	47,750.46	6,577.16	39.37	7.20
FY24	46,426.98	6,508.15	38.11	10.00
FY25	49,924.55	6,973.97	42.36	10.00
FY26	54,356.64	9,000.49	55.08	13.25

FY26 revenue growth was 8.9%, faster than the four-year average of 2.2%, and net profit moved up 29.1%. EPS rose from Rs 38.11 in FY24 to Rs 55.08 in FY26. The FY27 outlook for the General Insurance Corporation of India price target depends on whether that EPS estimate keeps compounding.

Margins and the Latest Quarter

General Insurance Corporation of India converted 16.6% of FY26 revenue into net profit, against 14.0% in FY25, within a five-year range of 4.4% to 16.6%. EBITDA margin was 13.7% in FY26 versus 11.2% in FY25.

In the September 2026 quarter, revenue was Rs 15,125 crore, up 13.7% from the same quarter a year earlier, while net profit of Rs 2,945 crore was up 9.2%. The next quarterly result is the first test of whether the earnings assumption behind the General Insurance Corporation of India stock target holds.

Balance Sheet and Cash Flow

Debt to equity stands at 0.00, and shareholders' equity grew from Rs 36,008 crore in FY22 to Rs 70,481 crore in FY26. Operating cash flow in FY26 was Rs 466.43 crore against capital expenditure of Rs 13.76 crore, leaving free cash flow of Rs 452.67 crore, or 0.8% of the current market capitalisation. In FY25 free cash flow was Rs 1,951 crore.

Valuation Check for the General Insurance Corporation of India Stock Target: PE, Price to Book and ROE

At a PE of 6.55 against an industry PE of 10.01, General Insurance Corporation of India trades at a discount to its industry. Price to book is 0.79 on a book value of Rs 422.52 per share, and return on equity is 12.10%. A PE of 6.55 equals an earnings yield of 15.3%, and the FY26 dividend of Rs 13.25 per share gives a yield of 3.96%.

Shareholding Pattern and Institutional Holding

Promoters held 77.40% of General Insurance Corporation of India in September 2026, and promoter holding fell from 82.40% in September 2025 to 77.40% in September 2026. Foreign institutional investors (FII) held 2.40% and domestic institutions (DII) held 17.71%, which puts total institutional holding at 20.11%. FII holding rose from 2.12% in September 2025 to 2.40% in September 2026. Public shareholders own the remaining 2.49%. A meaningful institutional holding adds a layer of research coverage and trading depth.

General Insurance Corporation of India Share Price Targets for the Short Term and 12 Months

Short Term General Insurance Corporation of India Stock Target Levels: Technical Setup

At Rs 334.65 on 10 November 2026, General Insurance Corporation of India trades above its 50-day simple moving average of Rs 333.09 and below its 200-day exponential moving average of Rs 357.09. The 14-day RSI reads 53.4, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 357.09 (200-day exponential moving average) and the nearest support is Rs 333.09 (50-day simple moving average). A sustained move above Rs 357.09 would improve the short-term setup, while a close below Rs 333.09 would shift attention to the next support.

12 Month General Insurance Corporation of India Target Price for 2027

The 12-month target of Rs 402 means a move of 20.1% up from Rs 334.65 over the next 12 months. It would still leave the stock 3.8% below its 52-week high of Rs 417.95. Anyone checking the General Insurance Corporation of India share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.

How EPS Growth and PE Multiple Change the General Insurance Corporation of India Target Price

EPS Growth	PE 5.24	PE 6.55	PE 7.53
0.0% (EPS Rs 51.11)	Rs 268	Rs 335	Rs 385
20.0% (EPS Rs 61.33)	Rs 321	Rs 402	Rs 462
25.0% (EPS Rs 63.89)	Rs 335	Rs 418	Rs 481

Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the General Insurance Corporation of India price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.

Bull Case and Downside Risk for General Insurance Corporation of India Stock Target in 2027

Bull Case Rs 481

The bull case General Insurance Corporation of India price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 63.89, and a PE multiple that rises 15% to 7.53. That gives Rs 481, 43.7% above the current price and above the 52-week high of Rs 417.95, so the stock would have to set a fresh 52-week high.

Downside Risk Level Rs 268

The downside risk level is not a target. It assumes EPS stays flat at Rs 51.11 and the PE falls 20% to 5.24. That gives Rs 268, 19.9% below the current price and below the 52-week low of Rs 308.00.

Scenario	EPS Growth	PE Multiple	Price (Rs)	Change vs CMP
Bull Case	25.0%	7.53	Rs 481	+43.7%
Base Case	20.0%	6.55	Rs 402	+20.1%
Downside Risk	0.0%	5.24	Rs 268	-19.9%

Key Risks to the General Insurance Corporation of India Target Price for 2027

Growth Slowdown Risk for the General Insurance Corporation of India Price Target

Revenue in the September 2026 quarter was up 13.7% year on year, and FY26 revenue growth was 8.9%. If growth slows from here, the EPS estimate behind the General Insurance Corporation of India stock target will need revising.

Liquidity and Size Risk

General Insurance Corporation of India has a market capitalisation of Rs 58,772 crore. Institutional holding is 20.11%, and promoters hold 77.40%. A company of this size trades with deep liquidity, so entry and exit are rarely a problem, and the larger risk is paying too much for slow earnings growth.

Valuation and Margin Risk

Net margin was 16.6% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 6.55 versus an industry PE of 10.01, a de-rating toward the downside-risk PE of 5.24 would cut the price even if earnings hold.

Market and Technical Risk

Technical indicators add short-term risk: the 14-day RSI is 53.4 and the MACD sits above its signal line. A broad fall in the Nifty 50 or the Sensex can override company fundamentals for weeks at a time. That applies to any General Insurance Corporation of India stock target, however carefully it is built.

How to Invest in General Insurance Corporation of India

Start with the live price and volume. Any General Insurance Corporation of India share price target is only as current as the data behind it, and the data here is as of 10 November 2026, so refresh the Rs 334.65 price before acting on any level.

Next, review the fundamentals yourself. The Univest Screener lets you check General Insurance Corporation of India's PE, ROE, debt and shareholding in one place.

Check General Insurance Corporation of India fundamentals on the Univest Screener

Then compare the three General Insurance Corporation of India target price scenarios with your own view. If you expect EPS growth below 20.0%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.

Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.

Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.

Download the Univest iOS App or Univest Android App to track General Insurance Corporation of India live price and get daily stock recommendations.

Conclusion

The General Insurance Corporation of India share price target for 2027 is Rs 402 in the base case, with Rs 481 as the bull case. The support for that view is arithmetic you can check: EPS grew 20.2% a year over FY24 to FY26, and the stock trades at a PE of 6.55. The risks are equally concrete, including a valuation that can de-rate if growth disappoints and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework for judging the General Insurance Corporation of India price target, check them against the latest filings, and size any position to your own risk appetite.

FAQs on General Insurance Corporation of India Share Price Target 2027

What is the General Insurance Corporation of India share price target for 2027?

Ans. The base-case General Insurance Corporation of India share price target for 2027 is Rs 402, which is 20.1% above the price of Rs 334.65 on 10 November 2026. The bull case is Rs 481 and the downside risk level, which is not a target, is Rs 268. All three come from one method: forward EPS multiplied by a PE multiple, using only reported results. They are model estimates and not guaranteed outcomes, and the next quarterly result is the first check on the EPS assumption.

What is the General Insurance Corporation of India share price today?

Ans. As of 10 November 2026, 9:32 AM IST, General Insurance Corporation of India (NSE: GICRE) trades at Rs 334.65, down 1.31% on the day. That is 19.9% below the 52-week high of Rs 417.95 and 8.7% above the 52-week low of Rs 308.00. The market capitalisation of Rs 58,772 crore places it among large-cap stocks. Prices change through the trading session, so check the live quote before acting on any level in this article.

Is General Insurance Corporation of India a buy or sell at the current price?

Ans. The data points both ways. On the positive side, EPS has grown 20.2% a year over FY24 to FY26 and the base case implies 20.1% upside; on the cautious side, the stock sits 19.9% below its 52-week high and can de-rate if growth disappoints, and the downside risk level of Rs 268 is 20% below the current price. Whether General Insurance Corporation of India fits your portfolio depends on your time horizon, position size and risk appetite. Consult a SEBI-registered advisor before investing, as this article is not investment advice.

What are the bull case target and downside risk level for General Insurance Corporation of India shares?

Ans. The bull case in the General Insurance Corporation of India share price target for 2027 is Rs 481, which assumes 25.0% EPS growth and a PE of 7.53, a 15% re-rating from today's multiple. That is 43.7% above the current price and above the 52-week high of Rs 417.95, so the stock would have to set a fresh 52-week high. The downside risk level is Rs 268, which assumes flat EPS and a PE of 5.24, 20% lower than today. It sits 19.9% below the current price and below the 52-week low of Rs 308.00, and it marks a risk to watch, not a target.

What are the main risks to the General Insurance Corporation of India price target?

Ans. Four risks matter most for the General Insurance Corporation of India share price target: slower revenue or profit growth, a PE de-rating, thin liquidity or size risk, and weakness in the broader market. The market capitalisation of Rs 58,772 crore means liquidity is deep, so the bigger risk is paying a full price for slow earnings growth. A fall to the downside-risk PE of 5.24 would cut the price even if earnings hold.

What is the PE ratio of General Insurance Corporation of India and how does it compare with the industry?

Ans. The PE ratio of General Insurance Corporation of India is 6.55, against an industry PE of 10.01, which is a discount to the industry. Price to book is 0.79 and return on equity is 12.10%, and the PE equals an earnings yield of 15.3%. The base case holds the PE unchanged, so the General Insurance Corporation of India share price target moves only with earnings, while the bull and downside scenarios change the multiple by +15% and -20%.

Who owns General Insurance Corporation of India, and what is the promoter holding?

Ans. Promoters held 77.40% of General Insurance Corporation of India in September 2026. FII held 2.40%, DII held 17.71% and the public held 2.49%. Together the two institutional groups hold 20.11%. Shareholding is filed every quarter, so it is worth rechecking after each result.

What were General Insurance Corporation of India's latest quarterly results?

Ans. In the September 2026 quarter, General Insurance Corporation of India reported revenue of Rs 15,125 crore (up 13.7% year on year) and net profit of Rs 2,945 crore (up 9.2%). For comparison, FY26 full-year revenue growth was 8.9% and net profit moved up 29.1%. Each new quarter either supports or weakens the EPS growth of 20.0% assumed in the base case.