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Insurance services - Summary of Information About the Direct and Assumed Liability for Future Policy Benefits (Detail) ₨ in Millions, $ in Millions | 9 Months Ended | 12 Months Ended |
--- | --- | --- | ---
Mar. 31, 2024 INR (₨) | Mar. 31, 2025 INR (₨) | Mar. 31, 2025 USD ($) | Mar. 31, 2025 USD ($)
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 296,106.5 | ₨ 389,573.3 | $ 4,560.1 |
Beginning balance | 296,106.5 | 390,691.8 | 4,573.2 |
Effect of changes in cash flow assumptions | 5,012.0 | (2,382.8) |  | $ (27.9)
Effect of actuarial variances from expected experience | 13,765.7 | (3,751.9) |  | (43.9)
Adjusted Balance | 314,884.2 | 384,557.1 |  | 4,501.4
Issuances | 197,150.9 | 288,766.6 | 3,380.2 |
Interest accrual | 24,832.6 | 43,984.0 | 514.9 |
Net premium collected | (146,175.9) | (207,532.5) | (2,429.3) |
Ending balance | 390,691.8 | 509,775.2 | 5,967.2 |
Effect of changes in discount rate assumptions | (1,118.5) | 4,705.8 |  | 55.1
Ending balance | 389,573.3 | 514,481.0 | 6,022.3 |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 1,654,247.7 | 1,913,936.5 | 22,403.6 |
Beginning balance | 1,654,247.7 | 1,879,922.8 | 22,005.4 |
Effect of changes in cash flow assumptions | 11,415.8 | (2,955.3) |  | (34.6)
Effect of actuarial variances from expected experience | 11,032.8 | (5,376.3) |  | (62.9)
Adjusted Balance | 1,676,696.3 | 1,871,591.2 |  | 21,907.9
Issuances | 197,041.6 | 288,575.8 | 3,377.9 |
Interest accrual | 104,865.4 | 159,631.8 | 1,868.6 |
Benefits Payments | (98,680.5) | (131,283.5) | (1,536.7) |
Ending balance | 1,879,922.8 | 2,188,515.3 | 25,617.6 |
Effect of changes in discount rate assumptions | 34,013.7 | 102,318.0 |  | 1,197.7
Ending balance | 1,913,936.5 | 2,290,833.3 | $ 26,815.3 |
Present value of expected claims expenses | 998.6 | 1,284.9 |  | 15.0
Net liability for future policy benefits | 1,525,361.8 | 1,777,637.2 |  | 20,808.0
Deferred Profit Liability | 113,119.6 | 272,614.0 |  | 3,191.1
Other global reserves | 32,902.7 | 37,352.6 |  | 437.2
Total liability for future policy benefits and DPL for March 31 | 1,671,384.1 | 2,087,603.8 |  | 24,436.3
Less: Reinsurance recoverable | 105,592.6 | 104,199.1 |  | 1,219.7
Net liability for future policy benefits, net of reinsurance | 1,565,791.5 | 1,983,404.7 |  | 23,216.6
Undiscounted- Expected future benefit payments | 6,308,350.2 | 7,096,963.9 |  | 83,073.4
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 1,913,936.5 | 2,290,833.3 |  | 26,815.3
Undiscounted-Expected future gross premiums | 1,453,898.8 | 1,585,752.6 |  | 18,562.0
Discounted-Expected future gross premiums | 1,102,691.6 | ₨ 1,211,646.0 |  | $ 14,182.9
Weighted-average duration of the liability |  | 9 years 2 months 4 days |  | 9 years 2 months 4 days
Weighted-average interest accretion (original locked-in) rate |  | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date |  | 7.00% |  | 7.00%
Non Par Protection [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | 40,899.8 | ₨ 58,562.2 |  |
Beginning balance | 40,899.8 | 58,388.2 |  |
Effect of changes in cash flow assumptions | 4,429.1 | 11,055.5 |  |
Effect of actuarial variances from expected experience | (1,277.3) | (2,165.2) |  |
Adjusted Balance | 44,051.6 | 67,278.5 |  |
Issuances | 18,075.3 | 30,918.5 |  |
Interest accrual | 3,343.2 | 6,994.8 |  |
Net premium collected | (7,081.9) | (13,669.6) |  |
Ending balance | 58,388.2 | 91,522.2 |  |
Effect of changes in discount rate assumptions | 174.0 | 1,993.5 |  |
Ending balance | 58,562.2 | 93,515.7 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 180,285.0 | 216,689.5 |  |
Beginning balance | 180,285.0 | 210,473.8 |  |
Effect of changes in cash flow assumptions | 7,429.2 | 9,381.8 |  |
Effect of actuarial variances from expected experience | (1,526.0) | (2,309.1) |  |
Adjusted Balance | 186,188.2 | 217,546.5 |  |
Issuances | 18,051.0 | 30,874.5 |  |
Interest accrual | 11,529.5 | 18,482.6 |  |
Benefits Payments | (5,294.9) | (8,552.7) |  |
Ending balance | 210,473.8 | 258,350.9 |  |
Effect of changes in discount rate assumptions | 6,215.7 | 15,775.0 |  |
Ending balance | 216,689.5 | 274,125.9 |  |
Present value of expected claims expenses | 242.0 | 324.4 |  |
Net liability for future policy benefits | 158,369.3 | 180,934.6 |  |
Deferred Profit Liability | 6,568.5 | 14,053.0 |  |
Other global reserves | 1,711.4 | 2,575.2 |  |
Total liability for future policy benefits and DPL for March 31 | 166,649.2 | 197,562.8 |  |
Less: Reinsurance recoverable | 83,420.6 | 84,794.7 |  |
Net liability for future policy benefits, net of reinsurance | 83,228.6 | 112,768.1 |  |
Undiscounted- Expected future benefit payments | 1,120,561.7 | 1,357,592.1 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 216,689.5 | 274,125.9 |  |
Undiscounted-Expected future gross premiums | 296,828.1 | 350,474.6 |  |
Discounted-Expected future gross premiums | ₨ 172,175.3 | ₨ 205,841.6 |  |
Weighted-average duration of the liability | 13 years 6 months | 13 years 7 months 6 days |  | 13 years 7 months 6 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.40% | 7.00% |  | 7.00%
Non Par Riders [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 429.3 | ₨ 1,146.5 |  |
Beginning balance | 429.3 | 1,149.1 |  |
Effect of changes in cash flow assumptions | 0.0 | 0.0 |  |
Effect of actuarial variances from expected experience | 15.6 | (307.1) |  |
Adjusted Balance | 444.9 | 842.0 |  |
Issuances | 891.5 | 1,126.3 |  |
Interest accrual | 69.4 | 137.7 |  |
Net premium collected | (256.7) | (427.8) |  |
Ending balance | 1,149.1 | 1,678.2 |  |
Effect of changes in discount rate assumptions | (2.6) | 17.0 |  |
Ending balance | 1,146.5 | 1,695.2 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 413.9 | 1,308.4 |  |
Beginning balance | 413.9 | 1,303.7 |  |
Effect of changes in cash flow assumptions | 0.0 | 0.0 |  |
Effect of actuarial variances from expected experience | 15.9 | (372.2) |  |
Adjusted Balance | 429.8 | 931.5 |  |
Issuances | 882.1 | 1,111.9 |  |
Interest accrual | 73.3 | 150.4 |  |
Benefits Payments | (81.5) | (229.2) |  |
Ending balance | 1,303.7 | 1,964.6 |  |
Effect of changes in discount rate assumptions | 4.7 | 41.9 |  |
Ending balance | 1,308.4 | 2,006.5 |  |
Present value of expected claims expenses | 26.8 | 43.0 |  |
Net liability for future policy benefits | 188.7 | 354.3 |  |
Deferred Profit Liability | 18.3 | 59.0 |  |
Other global reserves | 0.0 | (323.6) |  |
Total liability for future policy benefits and DPL for March 31 | 207.0 | 89.7 |  |
Less: Reinsurance recoverable | 28.0 | 69.9 |  |
Net liability for future policy benefits, net of reinsurance | 179.0 | 159.6 |  |
Undiscounted- Expected future benefit payments | 2,580.3 | 3,683.8 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 1,308.4 | 2,006.5 |  |
Undiscounted-Expected future gross premiums | 3,359.9 | 6,702.3 |  |
Discounted-Expected future gross premiums | ₨ 2,461.1 | ₨ 5,043.1 |  |
Weighted-average duration of the liability | 10 years 6 months 25 days | 9 years 8 months 12 days |  | 9 years 8 months 12 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.80% |  | 7.80%
Weighted-average current discount rate at balance sheet date | 7.40% | 7.10% |  | 7.10%
Non Par Savings [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 251,372.4 | ₨ 292,140.3 |  |
Beginning balance | 251,372.4 | 293,322.3 |  |
Effect of changes in cash flow assumptions | (42.8) | (7,969.2) |  |
Effect of actuarial variances from expected experience | 2,649.0 | 2,724.7 |  |
Adjusted Balance | 253,978.6 | 288,077.8 |  |
Issuances | 93,550.6 | 141,305.7 |  |
Interest accrual | 17,926.3 | 29,187.9 |  |
Net premium collected | (72,133.2) | (103,906.6) |  |
Ending balance | 293,322.3 | 354,664.8 |  |
Effect of changes in discount rate assumptions | (1,182.0) | 2,272.7 |  |
Ending balance | 292,140.3 | 356,937.5 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 658,883.0 | 810,691.9 |  |
Beginning balance | 658,883.0 | 792,701.7 |  |
Effect of changes in cash flow assumptions | 3,429.0 | (8,475.8) |  |
Effect of actuarial variances from expected experience | 2,653.6 | 3,149.9 |  |
Adjusted Balance | 664,965.6 | 787,375.8 |  |
Issuances | 93,520.0 | 141,235.0 |  |
Interest accrual | 43,134.7 | 69,530.5 |  |
Benefits Payments | (8,918.6) | (24,293.2) |  |
Ending balance | 792,701.7 | 973,848.1 |  |
Effect of changes in discount rate assumptions | 17,990.2 | 54,366.2 |  |
Ending balance | 810,691.9 | 1,028,214.3 |  |
Present value of expected claims expenses | 142.2 | 224.8 |  |
Net liability for future policy benefits | 518,693.8 | 671,501.6 |  |
Deferred Profit Liability | 29,891.5 | 66,070.8 |  |
Other global reserves | 2,601.0 | 3,197.1 |  |
Total liability for future policy benefits and DPL for March 31 | 551,186.3 | 740,769.5 |  |
Less: Reinsurance recoverable | 17.4 | 38.1 |  |
Net liability for future policy benefits, net of reinsurance | 551,203.7 | 740,731.4 |  |
Undiscounted- Expected future benefit payments | 2,875,101.5 | 3,307,089.8 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 810,691.9 | 1,028,214.3 |  |
Undiscounted-Expected future gross premiums | 611,779.3 | 696,236.3 |  |
Discounted-Expected future gross premiums | ₨ 489,752.0 | ₨ 564,231.6 |  |
Weighted-average duration of the liability | 10 years 4 months 20 days | 10 years 1 month 6 days |  | 10 years 1 month 6 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.42% | 7.10% |  | 7.10%
Non Par Pension [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 97.1 | ₨ 1,571.2 |  |
Beginning balance | 97.1 | 1,577.5 |  |
Effect of changes in cash flow assumptions | 0.3 | (48.7) |  |
Effect of actuarial variances from expected experience | 0.8 | 108.9 |  |
Adjusted Balance | 98.2 | 1,637.7 |  |
Issuances | 1,918.4 | 1,952.9 |  |
Interest accrual | 98.4 | 247.7 |  |
Net premium collected | (537.5) | (884.6) |  |
Ending balance | 1,577.5 | 2,953.7 |  |
Effect of changes in discount rate assumptions | (6.3) | 19.6 |  |
Ending balance | 1,571.2 | 2,973.3 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 13,185.7 | 13,191.0 |  |
Beginning balance | 13,185.7 | 13,219.9 |  |
Effect of changes in cash flow assumptions | 35.1 | 79.3 |  |
Effect of actuarial variances from expected experience | (187.0) | 110.8 |  |
Adjusted Balance | 13,033.8 | 13,410.0 |  |
Issuances | 1,918.4 | 1,952.4 |  |
Interest accrual | 798.0 | 1,098.8 |  |
Benefits Payments | (2,530.3) | (1,973.8) |  |
Ending balance | 13,219.9 | 14,487.4 |  |
Effect of changes in discount rate assumptions | (28.9) | 233.2 |  |
Ending balance | 13,191.0 | 14,720.6 |  |
Present value of expected claims expenses | 2.8 | 2.9 |  |
Net liability for future policy benefits | 11,622.6 | 11,750.2 |  |
Deferred Profit Liability | 175.2 | 394.3 |  |
Other global reserves | 5,811.7 | 5,842.1 |  |
Total liability for future policy benefits and DPL for March 31 | 17,609.5 | 17,986.6 |  |
Less: Reinsurance recoverable | 0.0 | 0.0 |  |
Net liability for future policy benefits, net of reinsurance | 17,609.5 | 17,986.6 |  |
Undiscounted- Expected future benefit payments | 19,433.2 | 22,662.1 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 13,191.0 | 14,720.6 |  |
Undiscounted-Expected future gross premiums | 3,502.2 | 5,904.9 |  |
Discounted-Expected future gross premiums | ₨ 2,869.1 | ₨ 4,830.4 |  |
Weighted-average duration of the liability | 4 years 3 months | 5 years 1 month 6 days |  | 5 years 1 month 6 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.66% | 7.10% |  | 7.10%
Individual Annuity [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 2,472.3 | ₨ 8,156.7 |  |
Beginning balance | 2,472.3 | 8,152.4 |  |
Effect of changes in cash flow assumptions | 6.4 | (100.7) |  |
Effect of actuarial variances from expected experience | 395.8 | (508.6) |  |
Adjusted Balance | 2,874.5 | 7,543.1 |  |
Issuances | 36,417.8 | 48,569.1 |  |
Interest accrual | 1,272.8 | 2,602.7 |  |
Net premium collected | (32,412.7) | (44,659.6) |  |
Ending balance | 8,152.4 | 14,055.3 |  |
Effect of changes in discount rate assumptions | 4.3 | 73.4 |  |
Ending balance | 8,156.7 | 14,128.7 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 212,888.9 | 257,132.1 |  |
Beginning balance | 212,888.9 | 250,732.6 |  |
Effect of changes in cash flow assumptions | 75.7 | 224.4 |  |
Effect of actuarial variances from expected experience | (136.9) | (1,014.0) |  |
Adjusted Balance | 212,827.7 | 249,943.0 |  |
Issuances | 36,417.8 | 48,565.1 |  |
Interest accrual | 14,141.1 | 22,540.7 |  |
Benefits Payments | (12,654.0) | (19,822.6) |  |
Ending balance | 250,732.6 | 301,226.2 |  |
Effect of changes in discount rate assumptions | 6,399.5 | 14,370.5 |  |
Ending balance | 257,132.1 | 315,596.7 |  |
Present value of expected claims expenses | 32.9 | 37.7 |  |
Net liability for future policy benefits | 249,008.3 | 301,505.7 |  |
Deferred Profit Liability | 6,543.2 | 16,012.0 |  |
Other global reserves | 307.2 | 2,242.7 |  |
Total liability for future policy benefits and DPL for March 31 | 255,858.7 | 319,760.4 |  |
Less: Reinsurance recoverable | 0.0 | 0.0 |  |
Net liability for future policy benefits, net of reinsurance | 255,858.7 | 319,760.4 |  |
Undiscounted- Expected future benefit payments | 864,912.6 | 899,460.7 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 257,132.1 | 315,596.7 |  |
Undiscounted-Expected future gross premiums | 21,253.0 | 27,679.8 |  |
Discounted-Expected future gross premiums | ₨ 18,427.5 | ₨ 24,273.8 |  |
Weighted-average duration of the liability | 10 years 3 months 18 days | 9 years 6 months |  | 9 years 6 months
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.42% | 7.00% |  | 7.00%
Individual Health [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 791.6 | ₨ 740.6 |  |
Beginning balance | 791.6 | 742.4 |  |
Effect of changes in cash flow assumptions | 0.0 | 0.0 |  |
Effect of actuarial variances from expected experience | 43.6 | (331.1) |  |
Adjusted Balance | 835.2 | 411.3 |  |
Issuances | 33.8 | 29.3 |  |
Interest accrual | 44.5 | 29.0 |  |
Net premium collected | (171.1) | (112.2) |  |
Ending balance | 742.4 | 357.4 |  |
Effect of changes in discount rate assumptions | (1.8) | 3.9 |  |
Ending balance | 740.6 | 361.3 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 1,088.2 | 1,091.4 |  |
Beginning balance | 1,088.2 | 1,091.3 |  |
Effect of changes in cash flow assumptions | 0.0 | 0.0 |  |
Effect of actuarial variances from expected experience | 43.7 | (411.6) |  |
Adjusted Balance | 1,131.9 | 679.7 |  |
Issuances | 33.8 | 29.2 |  |
Interest accrual | 63.1 | 47.2 |  |
Benefits Payments | (137.5) | (181.9) |  |
Ending balance | 1,091.3 | 574.2 |  |
Effect of changes in discount rate assumptions | 0.1 | 10.8 |  |
Ending balance | 1,091.4 | 585.0 |  |
Present value of expected claims expenses | 0.1 | 0.1 |  |
Net liability for future policy benefits | 350.9 | 223.8 |  |
Deferred Profit Liability | 0.0 | 0.2 |  |
Other global reserves | 59.5 | 51.4 |  |
Total liability for future policy benefits and DPL for March 31 | 410.4 | 275.4 |  |
Less: Reinsurance recoverable | 125.2 | 20.0 |  |
Net liability for future policy benefits, net of reinsurance | 285.2 | 295.4 |  |
Undiscounted- Expected future benefit payments | 1,758.2 | 908.7 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 1,091.4 | 585.0 |  |
Undiscounted-Expected future gross premiums | 1,769.6 | 1,639.8 |  |
Discounted-Expected future gross premiums | ₨ 1,289.9 | ₨ 1,214.1 |  |
Weighted-average duration of the liability | 5 years 11 months 15 days | 5 years 9 months 18 days |  | 5 years 9 months 18 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.50% | 7.00% |  | 7.00%
Par Life [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 44.0 | ₨ 25,635.6 |  |
Beginning balance | 44.0 | 25,732.8 |  |
Effect of changes in cash flow assumptions | 619.0 | (6,439.3) |  |
Effect of actuarial variances from expected experience | 2,640.7 | 1,137.5 |  |
Adjusted Balance | 3,303.7 | 20,431.0 |  |
Issuances | 27,308.5 | 29,265.9 |  |
Interest accrual | 1,539.5 | 3,450.6 |  |
Net premium collected | (6,418.9) | (11,255.6) |  |
Ending balance | 25,732.8 | 41,891.9 |  |
Effect of changes in discount rate assumptions | (97.2) | 344.1 |  |
Ending balance | 25,635.6 | 42,236.0 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 504,494.2 | 519,920.1 |  |
Beginning balance | 504,494.2 | 516,261.8 |  |
Effect of changes in cash flow assumptions | (1,377.7) | (5,378.3) |  |
Effect of actuarial variances from expected experience | 2,250.6 | 1,701.0 |  |
Adjusted Balance | 505,367.1 | 512,584.5 |  |
Issuances | 27,264.0 | 29,209.7 |  |
Interest accrual | 29,361.4 | 39,452.0 |  |
Benefits Payments | (45,730.7) | (42,483.7) |  |
Ending balance | 516,261.8 | 538,762.5 |  |
Effect of changes in discount rate assumptions | 3,658.3 | 16,604.5 |  |
Ending balance | 519,920.1 | 555,367.0 |  |
Present value of expected claims expenses | 547.5 | 647.3 |  |
Net liability for future policy benefits | 494,832.0 | 513,778.3 |  |
Deferred Profit Liability | 63,225.0 | 136,074.4 |  |
Other global reserves | 3,019.4 | 4,320.6 |  |
Total liability for future policy benefits and DPL for March 31 | 561,076.4 | 654,173.3 |  |
Less: Reinsurance recoverable | 18,249.9 | 14,114.1 |  |
Net liability for future policy benefits, net of reinsurance | 542,826.5 | 640,059.2 |  |
Undiscounted- Expected future benefit payments | 1,302,045.2 | 1,375,202.6 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 519,920.1 | 555,367.0 |  |
Undiscounted-Expected future gross premiums | 507,662.9 | 487,422.0 |  |
Discounted-Expected future gross premiums | ₨ 409,535.4 | ₨ 398,173.3 |  |
Weighted-average duration of the liability | 8 years 4 months 20 days | 8 years 9 months 18 days |  | 8 years 9 months 18 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.48% | 7.00% |  | 7.00%
Par Pension [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 0.0 | ₨ 1,613.3 |  |
Beginning balance | 0.0 | 1,620.3 |  |
Effect of changes in cash flow assumptions | 0.0 | 1,103.9 |  |
Effect of actuarial variances from expected experience | (0.7) | 145.3 |  |
Adjusted Balance | (0.7) | 2,869.5 |  |
Issuances | 2,081.3 | 2,824.1 |  |
Interest accrual | 102.3 | 376.8 |  |
Net premium collected | (562.6) | (1,645.4) |  |
Ending balance | 1,620.3 | 4,425.0 |  |
Effect of changes in discount rate assumptions | (7.0) | 22.1 |  |
Ending balance | 1,613.3 | 4,447.1 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 16,744.8 | 17,757.6 |  |
Beginning balance | 16,744.8 | 17,795.1 |  |
Effect of changes in cash flow assumptions | 326.1 | 525.1 |  |
Effect of actuarial variances from expected experience | 539.3 | 201.6 |  |
Adjusted Balance | 17,610.2 | 18,521.8 |  |
Issuances | 2,080.8 | 2,823.3 |  |
Interest accrual | 1,063.9 | 1,517.1 |  |
Benefits Payments | (2,959.8) | (3,337.9) |  |
Ending balance | 17,795.1 | 19,524.3 |  |
Effect of changes in discount rate assumptions | (37.5) | 277.0 |  |
Ending balance | 17,757.6 | 19,801.3 |  |
Present value of expected claims expenses | 4.3 | 4.7 |  |
Net liability for future policy benefits | 16,148.6 | 15,358.9 |  |
Deferred Profit Liability | 95.9 | 388.8 |  |
Other global reserves | 49.6 | 130.3 |  |
Total liability for future policy benefits and DPL for March 31 | 16,294.1 | 15,878.0 |  |
Less: Reinsurance recoverable | 0.0 | 0.0 |  |
Net liability for future policy benefits, net of reinsurance | 16,294.1 | 15,878.0 |  |
Undiscounted- Expected future benefit payments | 25,927.9 | 28,880.6 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 17,757.6 | 19,801.3 |  |
Undiscounted-Expected future gross premiums | 7,523.1 | 9,472.3 |  |
Discounted-Expected future gross premiums | ₨ 6,057.0 | ₨ 7,912.5 |  |
Weighted-average duration of the liability | 4 years 21 days | 4 years 4 months 24 days |  | 4 years 4 months 24 days
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.70% |  | 7.70%
Weighted-average current discount rate at balance sheet date | 7.66% | 7.20% |  | 7.20%
Group Non par Life [Member] |  |  |  |
Present value of expected net premium |  |  |  |
Beginning balance | ₨ 0.0 | ₨ 6.9 |  |
Beginning balance | 0.0 | 6.8 |  |
Effect of changes in cash flow assumptions | 0.0 | 15.7 |  |
Effect of actuarial variances from expected experience | 9,298.2 | (4,556.3) |  |
Adjusted Balance | 9,298.2 | (4,533.8) |  |
Issuances | 16,873.7 | 32,774.8 |  |
Interest accrual | 436.2 | 956.8 |  |
Net premium collected | (26,601.3) | (30,971.1) |  |
Ending balance | 6.8 | 1,773.3 |  |
Effect of changes in discount rate assumptions | 0.1 | (40.5) |  |
Ending balance | 6.9 | 1,813.8 |  |
Present value of Expected Future Policy Benefits |  |  |  |
Beginning balance | 66,264.0 | 76,154.5 |  |
Beginning balance | 66,264.0 | 76,342.9 |  |
Effect of changes in cash flow assumptions | 1,498.4 | 688.2 |  |
Effect of actuarial variances from expected experience | 7,379.6 | (6,432.7) |  |
Adjusted Balance | 75,142.0 | 70,598.4 |  |
Issuances | 16,873.7 | 32,774.7 |  |
Interest accrual | 4,700.4 | 6,812.5 |  |
Benefits Payments | (20,373.2) | (30,408.5) |  |
Ending balance | 76,342.9 | 79,777.1 |  |
Effect of changes in discount rate assumptions | (188.4) | 638.9 |  |
Ending balance | 76,154.5 | 80,416.0 |  |
Present value of expected claims expenses | 0.0 | 0.0 |  |
Net liability for future policy benefits | 76,147.6 | 82,229.8 |  |
Deferred Profit Liability | 6,602.0 | 39,561.5 |  |
Other global reserves | 19,342.9 | 19,316.8 |  |
Total liability for future policy benefits and DPL for March 31 | 102,092.5 | 141,108.1 |  |
Less: Reinsurance recoverable | 3,786.3 | 5,342.1 |  |
Net liability for future policy benefits, net of reinsurance | 98,306.2 | 135,766.0 |  |
Undiscounted- Expected future benefit payments | 96,029.6 | 101,483.5 |  |
Discounted- Expected future benefit payments (at current discount rate at balance sheet date) | 76,154.5 | 80,416.0 |  |
Undiscounted-Expected future gross premiums | 220.7 | 220.6 |  |
Discounted-Expected future gross premiums | ₨ 124.3 | ₨ 125.6 |  |
Weighted-average duration of the liability | 3 years 2 months 23 days | 3 years 6 months |  | 3 years 6 months
Weighted-average interest accretion (original locked-in) rate | 7.69% | 7.80% |  | 7.80%
Weighted-average current discount rate at balance sheet date | 7.68% | 7.30% |  | 7.30%

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