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The New India Assurance Company (NIACL) investor relations material
The New India Assurance Company 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
Achieved 11.5% year-over-year growth in gross written premium (GWP) to INR 23,875 crore for H1 FY26, outpacing industry growth and expanding market share to 13.25%.
Profit after tax rose 57.7% year-over-year to INR 454 crore, despite a one-time wage revision provision of INR 1,680 crore and elevated weather-related claims.
Maintained a strong solvency ratio of 1.79 times, well above regulatory requirements.
Growth led by health, property, and miscellaneous segments, with domestic business performing strongly.
Focused on digital transformation, operational efficiency, and underwriting discipline to drive future growth.
Financial highlights
Net premiums earned increased to INR 18,768 crore from INR 17,028 crore year-over-year.
Investment income rose significantly, offsetting the impact of wage revision and elevated claims.
Combined ratio increased to 127.21% in H1 FY26, reflecting the wage revision provision.
Market share increased across key segments: fire (16.4%), marine (17.31%), motor (9.63%), health (16.54%), and others (17.4%).
ROE reached 4.18% in H1 FY26.
Outlook and guidance
No immediate premium hikes expected in health or motor; ongoing strategic risk selection and rate corrections in group health.
Expectation of improved ICR and combined ratio by year-end as seasonal claims normalize.
Digital initiatives and operational optimization expected to further reduce costs and improve efficiency.
IFRS 17 adoption scheduled for April 2027, with a parallel run in FY26-27; expected to improve reported combined ratio.
Growth momentum sustained into October 2025, continuing to outpace industry.
Underwriting loss trend and path to profitability
Mitigation strategy for tax contingent liabilities
Timeline for resolving audit qualification and control gaps
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Next The New India Assurance Company earnings date
Q3 25/2627 Jan, 2026
Next The New India Assurance Company earnings date
Q3 25/2627 Jan, 2026
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