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General Insurance Corporation of India (GICRE) investor relations material
General Insurance Corporation of India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Nov, 2025
Executive summary
Maintained disciplined underwriting and portfolio management amid macroeconomic uncertainty, inflation, and geopolitical risks.
Holds 51% market share in Indian reinsurance, ranking 9th globally with presence in 137 countries.
Consolidated gross premiums written for H1 FY26 reached ₹2,212,339 lakhs, up from ₹2,110,351 lakhs year-over-year, with net premium written at ₹2,041,115 lakhs versus ₹1,920,747 lakhs in H1 FY25.
Maintains strong government ownership and robust credit ratings (A- Excellent by AM Best).
Profit after tax for H1 FY26 was ₹487,078 lakhs, a significant increase from ₹298,667 lakhs in H1 FY25.
Financial highlights
Gross Premium Income for Q2 FY 2026 was INR 9,601.70 crore, up from INR 8,413.49 crore year-over-year.
Gross Written Premium (GWP) rose to ₹41,154 Cr in FY24-25, up from ₹37,182 Cr in FY23-24.
Investment income reached ₹12,773 Cr in FY24-25, supporting profitability.
Profit before tax reached INR 3,472.76 crore, up from INR 2,281.12 crore; profit after tax increased to INR 2,866.79 crore from INR 1,860.75 crore.
Solvency ratio improved to 3.85 as of September 2025, compared to 3.42 a year earlier.
Outlook and guidance
Targeting a domestic-to-international business mix of 60%-40% over the medium term, but will adjust based on market conditions and price adequacy.
Focus on international expansion, new product lines (surety bonds, cyber risk), and maintaining market share.
Combined ratio guidance remains unchanged, with continued focus on underwriting discipline.
Indian general insurance market expected to grow at 9.9% CAGR through 2026, with reinsurance premiums projected to reach ₹99,000 Cr by FY26.
Management notes that results for the quarter and half year are not indicative of full-year performance due to industry seasonality.
Rationale for quarterly catastrophe reserve?
Audit scope for foreign/Indian branches?
Dubai branch portfolio transfer update.
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Next General Insurance Corporation of India earnings date
Q3 25/264 Feb, 2026
Next General Insurance Corporation of India earnings date
Q3 25/264 Feb, 2026
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