LIC Share Price Target (2025–2030) & Technical Analysis

LIC is one of India’s most significant financial institutions and a market leader in the insurance sector. The stock has seen fluctuations due to regulatory developments, competition, and macroeconomic conditions. Below is a detailed analysis of LIC share price projection from 2025 to 2030 based on market trends, technical analysis, and expert opinions.

LIC Share Current Price

₹784.95 (As Of April 8th, 2025)

Yearly Price Target Projections (2025–2030)

Year	Expected Target Price (₹)	Growth (%) from Current Price (₹742.95)
2025	947.65	+27.55%
2026	1,268.22	+70.70%
2027	1,558.11	+109.72%
2028	1,884.15	+153.60%
2029	2,182.00	+193.69%
2030	2,514.30	+238.42%

The growth projection is based on LIC’s historical performance, market expansion, and increasing insurance penetration in India. As LIC adapts to technological advancements and better risk management strategies, its valuation is expected to improve.

Also read: Tata Power Share Price Target & Forecast 2025–2030

Technical Analysis of LIC Share

Technical indicators help traders and investors understand market trends. Below are key technical metrics for LIC share Price:

Indicator	Current Value	Trend
10-day SMA	₹748.77	Bearish (Below current price)
50-day SMA	₹801.31	Bearish
200-day SMA	₹949.62	Bearish
10-day EMA	₹750.15	Bearish
50-day EMA	₹800.53	Bearish
200-day EMA	₹888.95	Bearish
RSI (Relative Strength Index)	37.72	Neutral (Between 30-70)
MACD (Moving Average Convergence Divergence)	-17.27	Bearish

• The 200-day SMA suggests that LIC’s stock is currently in a bearish phase, which means investors are cautious.
• The RSI at 37.72 suggests that the stock is nearing oversold levels but not yet at a buying opportunity.
• MACD’s negative value suggests a short-term downward trend in the stock price.

A bullish breakout can occur if LIC crosses its 50-day and 200-day moving averages, leading to a strong uptrend in stock prices.

Fundamental Analysis – Financial Performance

Fundamental analysis is crucial to understanding the company’s financial health and growth potential. LIC, being a government-backed entity, enjoys stability but faces competition from private insurers.

LIC’s Key Financial Metrics (Q3 FY25 Report)

Financial Metric	Value (Q3 FY25)	Change (%)
Net Profit	₹110.56 billion	+17%
Net Premium Income	₹1.07 trillion	-9%
Employee Costs	Reduced by 30%	Positive impact

Analysis:

• Net profit has increased by 17%, showing strong operational efficiency.
• Net premium income fell by 9%, indicating a decline in policy sales or increased competition.
• Reduction in employee costs by 30% is a positive factor that improves profitability.

Dividend Yield and Valuation

Factor	LIC Data	Industry Average
Dividend Yield	1.8%	1.5%
Price-to-Earnings Ratio (P/E)	14.5x	18.2x
Price-to-Book Ratio (P/B)	2.3x	3.1x

Also read: Reliance Industries Share Price Target & Forecast 2025, 2026, 2027 to 2030

LIC’s dividend yield is slightly higher than the industry average, making it attractive for long-term investors. The lower P/E and P/B ratios suggest LIC is undervalued compared to its peers.

Expert Recommendations and Market Sentiment

Brokerage firms and analysts have provided different opinions on LIC future stock price. Below is a summary:

Brokerage Firm	Recommendation	Target Price (₹)	Key Reason
Motilal Oswal	Buy	₹1,085	Improved VNB margins, strong product momentum
HDFC Securities	Hold	₹875	Regulatory challenges and slowing premium growth
ICICI Direct	Buy	₹1,150	Attractive valuation and strong brand recall

Market Sentiment

• Long-term investors see LIC as a stable, dividend-yielding stock with strong government backing.
• Short-term traders expect volatility due to regulatory challenges and competition.
• If LIC improves its digital sales and new business margins, the stock can see a breakout above ₹1,000 levels in the coming years.

Key Factors Influencing LIC Share Price

Factor	Description
Regulatory Challenges	LIC faces ₹541 crore in GST demand notices, impacting financials.
Market Competition	Rival insurance firms such as HDFC Life, SBI Life, and ICICI Prudential pose strong competition.
Economic Conditions	Inflation, interest rates, and GDP growth impact the insurance sector’s profitability.
Government Policies	Any privatization move or regulatory change can affect LIC’s valuation.
Operational Efficiency	Cost management, product innovation, and digital adoption are crucial for growth.

Growth Drivers for LIC Share Price

• Increased insurance penetration in India
• Better digital transformation and online sales
• Higher new business premium growth
• Improved claim settlement ratio and operational efficiency

Risks for LIC Share

• Market corrections can impact stock performance
• Regulatory hurdles or legal challenges
• Slow adoption of digital insurance products

Also read: IRCTC Share Price Target & Forecast 2025 –2030

Conclusion: Should You Invest in LIC Share?

LIC remains a strong long-term investment due to its market dominance, government backing, and stable financials. However, investors must watch for regulatory changes and competition.

• Short-term traders may face volatility, but long-term investors can expect stable returns with a ₹2,500+ target by 2030.
• Buying at dips and holding for the long term can yield significant gains as LIC expands its market presence.

Investment Strategy:

For long-term investors: Buy and hold with a target of ₹2,500 by 2030.
For short-term traders: Watch for breakouts above ₹1,000 and use technical indicators for entry/exit.

LIC Share Price Target FAQ