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The New India Assurance Company
The New India Assurance Company (NIACL) investor relations material
The New India Assurance Company Q1 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 26/27 earnings summary29 Jul, 2026
Executive summary
Q1 FY27 was challenging for the general insurance sector, with gross written premium growing 2.9% year-over-year to Rs.13,720 crore (₹13,83,513 lakhs), reflecting muted growth due to a 27.8% drop in industry property premiums and continued Motor Third Party pressure.
The quarter ended with a consolidated net loss after tax of Rs.257 crore (₹24,394 lakhs), compared to a profit of Rs.391 crore (₹39,240 lakhs) in Q1 FY26, mainly due to adverse claims in Motor and Property lines.
Solvency ratio remained robust at 1.80x, above regulatory requirements, and investment assets stood at Rs.99,980 crore.
Strategic focus is shifting toward retail, MSME, and new product lines with lower competitive intensity.
Financial highlights
Net Written Premium rose to Rs.11,229 crore (₹11,29,787 lakhs), and Net Earned Premium to Rs.9,683 crore.
Net Incurred Claims increased to Rs.10,010 crore, with ICR at 103.38% (up from 99.76% YoY).
Combined Ratio worsened to 121.44% (121.14% in alternate reporting) from 116.16% YoY.
Return on equity for the quarter was negative at -3.95%, compared to 6.97% in Q1FY26.
PAT for Q1 FY27 was a loss of Rs.257 crore, compared to a profit of Rs.391 crore in Q1 FY26.
Outlook and guidance
Continued focus on changing business mix toward retail and MSME, and launching innovative products.
Emphasis on growth in less competitive segments and risk management to improve global credit rating.
Management expects continued pressure in Motor Third Party due to lack of premium hikes and claim inflation.
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Latest events from The New India Assurance Company
- Premiums grew, but lower profit and a thinner underwriting surplus underscored rising pressures.NIACL
Q4 98/99 - Investment income cushioned falling profits as underwriting swung to a Rs. 177.98 crore loss.NIACLQ4 99/00
- Premium growth reached 20.18%, but underwriting losses and lower PAT persisted.NIACLQ4 01/02
- Investment gains lifted PAT 78.10% as claims pressure widened underwriting losses.NIACLQ4 05/06
- Premium growth and lower expenses drove PAT up 103.80% despite continued underwriting losses.NIACLQ4 06/07
- Premium and profit advanced, but underwriting losses and rising NPAs remained key concerns.NIACLQ4 02/03
- Investment gains lifted FY04 profit despite a wider underwriting loss and SVRS costs.NIACLQ4 03/04
- Investment income cushioned lower profit as rising claims widened the underwriting deficit.NIACLQ4 07/08
- Premium crossed Rs.5,100 crore, but higher taxes cut PAT despite narrower underwriting losses.NIACLQ4 04/05
- Premium grew, but wider underwriting losses and weaker investment gains cut profit sharply.NIACLQ4 08/09
Next The New India Assurance Company earnings date
Q2 26/276 Nov, 2026
The New India Assurance Company
Next The New India Assurance Company earnings date
Q2 26/276 Nov, 2026
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