Life Insurance Persistency Ratio — All Insurers, Latest IRDAI Data
The 13th month persistency ratio measures what percentage of policyholders continue paying premiums after the first year. The 61st month ratio measures 5-year retention — a stronger indicator of long-term policy health. Higher is better at every tenor. Data from IRDAI L-22 quarterly disclosures (premium basis). Sorted by 61M persistency descending.
Latest period: Q1 FY26-27
| Insurer | 13M (%) | 25M (%) | 37M (%) | 49M (%) | 61M (%) |
|---|---|---|---|---|---|
| Bandhan Life Insurance | 71.00 | 49.00 | 53.00 | 20.00 | 81.00 |
| Tata AIA Life Insurance | 83.85 | 77.53 | 75.89 | 72.48 | 71.29 |
| HDFC Life Insurance | 80.00 | 73.50 | 76.10 | 67.40 | 65.50 |
| ICICI Prudential Life Insurance | 81.50 | 70.20 | 76.60 | 69.40 | 63.20 |
| LIC | 70.38 | 65.95 | 62.63 | 61.79 | 61.27 |
| SBI Life Insurance | 84.35 | 76.75 | 70.91 | 67.90 | 59.10 |
| Axis Max Life Insurance | 81.00 | 72.00 | 64.00 | 58.00 | 58.00 |
| IndiaFirst Life Insurance | 73.78 | 63.90 | 57.88 | 59.42 | 53.95 |
| Bajaj Life Insurance (formerly Bajaj Allianz Life) | 76.80 | 66.20 | 63.90 | 62.00 | 53.20 |
| PNB MetLife Insurance | 77.30 | 68.63 | 59.26 | 57.95 | 49.78 |
| Edelweiss Life Insurance | 69.20 | 55.20 | 56.20 | 53.60 | 44.20 |
| Ageas Federal Life Insurance | 71.91 | 64.61 | 65.05 | 58.13 | 40.98 |
| IndusInd Nippon Life Insurance | 81.70 | 65.20 | 57.10 | 58.20 | 38.50 |
| Future Generali Life Insurance | 64.06 | 52.45 | 43.10 | 40.32 | 27.50 |
| Shriram Life Insurance | 57.50 | 39.70 | 36.20 | 31.50 | 27.10 |
| Digit Life Insurance | 32.29 | 95.46 | — | — | — |
Source: IRDAI L-22 quarterly public disclosures (premium basis). "—" indicates data not yet extracted for that insurer-tenor.Understanding persistency ratios → ·Life insurer rankings →