New India Assurance Q3FY26 Investor Presentation Highlights: GWP Up 10.5%, PBT Surges 62.5%
The New India Assurance Company Limited's investor presentation for Q3 FY26 shows a 10.5% YoY growth in Gross Written Premium to ₹11,680 crore. Profit Before Tax surged 62.5% to ₹367 crore for Q3 FY26, and ₹641 crore for 9M FY26. Market share increased to 13.40%. The company is focusing on new product launches and IT initiatives.
The announcement provides detailed financial results, strategic direction, and performance metrics for the quarter and nine-month period, which are material for investors and stakeholders in assessing the company's financial health and future prospects.
The company reported growth in Gross Written Premium and a significant increase in Profit Before Tax, outperforming industry growth and increasing market share. Positive outlook for the upcoming quarter and strong solvency ratio also contribute to the positive sentiment.
The New India Assurance Company Limited has uploaded a revised investor presentation for the quarter ended December 31, 2025.
Chairperson Mrs. Girija Subramanian commented on the 113 FY26 performance, noting a 10.5% growth in Gross Written Premium (GWP) for the nine-month period ended December 31, 2025. Domestic business growth outpaced the industry, increasing market share from 12.80% to 13.40%, driven by health, property, and miscellaneous segments. Despite challenges in fire and motor portfolios due to flood events and higher loss ratios in the health segment, the underwriting performance improved in Q3. A provision of ₹2,519 crore for wage arrears and employee retirement benefits impacted underwriting results and profitability. However, robust investment income, bolstered by buoyant equity markets, largely offset this impact. Operating expenses, excluding wage arrears, were reduced. Consequently, Profit Before Tax (PBT) saw a 62.5% increase for the nine-month period. The solvency ratio remains strong and above regulatory requirements. The company anticipates continued growth ahead of the industry in the last quarter of the financial year, with expected improvements in loss ratios.
Key financial highlights for Q3 FY26 include a Gross Written Premium of ₹11,680 crore, an increase of 8.37% YoY. Net Written Premium stood at ₹9,678 crore, and Net Earned Premium was ₹9,725 crore. The Net Incurred Claim was ₹8,827 crore, with an Incurred Claims Ratio (ICR) of 90.77%. Underwriting results were impacted by provisions for wage arrears and retirement benefits, resulting in an underwriting loss of ₹1,736 crore. Investment income was ₹2,280 crore, with Capital Gains contributing ₹1,080 crore. Profit Before Tax (PBT) was ₹367 crore, and Profit After Tax (PAT) was ₹372 crore.
For the nine-month period ended December 31, 2025 (9M FY26), GWP reached ₹33,555 crore, a YoY increase of 10.47%. Net Written Premium was ₹28,494 crore, and Net Earned Premium was ₹28,387 crore. Net Incurred Claims were ₹25,379 crore, with an ICR of 97.38%. The underwriting loss for 9M FY26 was ₹4,982 crore. Investment income was ₹5,695 crore, with Capital Gains of ₹3,799 crore. PBT stood at ₹641 crore, and PAT was ₹824 crore.
The company's strategy focuses on launching innovative products for retail and MSME, entering new lines like parametric insurance, and emphasizing growth in segments other than motor and health. IT initiatives include AI/ML-enabled chatbots, WhatsApp services, a revamped website, and customer portals for seamless user experience. The company is also focusing on risk management and improving its global credit rating.
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