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Investor Relations14 Oct 2025
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General Insurance Corporation of India (GICRE) investor relations material
General Insurance Corporation of India Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary8 Aug, 2025
Executive summary
Delivered robust Q1 and FY24-25 performance despite global uncertainties, inflation, and climate risks, supported by strong domestic demand, disciplined underwriting, and a diversified product and geographic mix.
Holds ~51% market share in Indian reinsurance, ranking 10th globally with presence in 137 countries and significant government ownership.
Maintained operational integrity and resilience, with strategic focus on portfolio optimization, risk management, and digital transformation.
Unaudited standalone and consolidated financial results for Q1 FY26 were reviewed and approved by the Board on August 7, 2025.
Confident in strategic direction and well-positioned to capitalize on future opportunities.
Financial highlights
Gross premium income for Q1 FY26 was ₹12,38,801 lakhs (standalone) and ₹12,41,716 lakhs (consolidated); FY24-25 GWP rose to ₹41,154 Cr from ₹37,182 Cr.
Standalone profit after tax for Q1 FY26 was ₹1,75,223 lakhs; consolidated profit after tax was ₹2,17,277 lakhs; FY24-25 PAT increased to ₹6,701 Cr.
Solvency ratio improved to 3.85 (Q1 FY26) and 370% (FY24-25); combined ratio reduced to 106.94 (Q1 FY26) and 108.8% (FY24-25).
Underwriting loss reduced by 30% to INR 907.76 crore in Q1; incurred claims ratio at 90.42% (Q1) and 88.4% (FY24-25).
Final dividend of ₹10.00 per share declared for Q1 FY26.
Outlook and guidance
Overall premium growth for FY expected at 9-10%, with international business projected to grow 17-20% and domestic 6.5-7%.
Plans to leverage global ranking and credit ratings for international expansion and focus on new products such as surety bonds, cyber risk, and parametric covers.
Catastrophe Reserve now created quarterly to manage claim volatility, with Q1 FY26 reserve at ₹14,348 lakhs.
Combined ratio for the year expected around 106.8-107, with domestic at 104-105 and international improving to 116-118.
Expects to maintain market leadership in India as reinsurance premiums are projected to reach ₹99,000 Cr by 2025-26.
What is the underlying premium growth ex-IRDAI change?
International growth drivers and sustainability?
IFRS impact on underwriting and investment books?
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Next General Insurance Corporation of India earnings date
Q2 25/2612 Nov, 2025
Next General Insurance Corporation of India earnings date
Q2 25/2612 Nov, 2025
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