New India Assurance Co. Ltd. · NSE:NIACL
New India Assurance — The New India Assurance Company — Q3 FY2026 Earnings Presentation
21 slides from New India Assurance's earnings presentation, Feb 3, 2026
Slide 1: Revised Investor Presentation cover letter to exchanges
fqq$$;-TX@nd,dt f-fbU (VFa TTaFF]Fr 3q9Fq) THE NEW INDIA ASSURANCE COMPANY LTD (Govt. of India Undertaking) +xt9aRdyvrrnMwr : I $@IT wiNn fqfrOT, 87, vrml =fr=it wt, VH, jq{ - 400 o01. Phone : 022 2270 8100 Regd. & Head Office : New India Assurance Bldg., 87, M.G. Road, Fort, Mumbai - 400 001 022 22
Slide 2: Results for the period ended 31st December 2025
@: Results for the period ended31;tDecember2[]25
Slide 3: Disclaimer
Disclaimer This presentation may contain forward-looking statements, which are not historical facts but relate to future expectations, projections, objectives, or strategies of the Company. Such statements are inherently subject to various risks, uncertainties, and assumptions–many of which are beyo
Slide 4: Chairperson's comments on 9M FY26 performance
Chairperson’s comments on 113FY26performance “It gives me immense satisfaction to inform that the Company achieved an 10.5% growth in Gross Written Premium (GWP) during the nine-month period ended December 31, 2025. The domestic business registered growth ahead of the-industry, resulting in an incre
Slide 5: Financial Performance / Company strategy
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Slide 6: Financial Performance / Company strategy
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Slide 7: Financial Performance
iligncial Performance :qr = = + W \: f( Gross Written Premium 11.680 10,778 35.555 32, 186 43,618 % Change YoY 8.37 1.06 .1 10.47 I 2.42 3.86 *Underwriting results were impacted by Net Written Premium 9.678 8.920 29.326 26.564 36,315 provision towards wage arrears and Net Earned Premium 9,725 9,033
Slide 8: Financial Performance: combined ratio, GWP, investment income, PAT
i lnlcial pertnrmance Combined Ratio 124.01 % Gross Written Premium 43,618 Wage arrears since Aug-22 and retirement benefit 118.70% provision for active employees 117.980/o I I 116.28% 116.78% impacted the combined ratio I I for Q3 FY26 by 7.85% and for 9M FY26 by 6.4%. 11 ,680 10,778 Q3 FY26 Q3 FY2
Slide 9: Net worth, solvency ratio and assets under management
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Slide 10: Segment wise performance - Gross Written Premium
. !q„ lent wise performance --'Gross Written Prgmitlm Q3 Q3 GWP FY 24-25 FY 25-26 FY 24-25 % C h a n ge 9FT;5T2T 9F:12orsh; % Ch a n g e FIRE 1,735 1,667 4.06 5,519 4,786 15.31 6,225 MARINE 289 242 19.46 865 793 9.01 1,010 MOTOR 3,214 3,242 -0.89 8,585 8,688 -1.18 12,059 HEALTH INCLUDING PA 5,481 4,
Slide 11: Segment wise performance - Incurred Claims Ratio
: !arH2rlt wise performance -- Incurred Claims Ratio Q3 Q3 9 months 9 months ICR FY 24-25 FY 25-26 FY 24-25 FY 25-26 FY 24-25 FIRE i 65% 1 54% 1 54% 81% } 81% 68% 68% 1 71% 71% I IVIARINE 1 119% 1 49% 49% 1 90% 90% I 58% 54% MOTOR 108% 102% 109% 105% 106% HEALTH INCLUDING PA 91% 103% 101% 103% 101%
Slide 12: Financial Performance / Company strategy
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Slide 13: Performance v/s industry (Indian business)
1 !:'{f3rmance v/s industry (Indian business) GI industry grew by 8.69% in Q3Fy26 } NIACL domestic gross direct premium income grew by 13.71% outpacing the industry growth I J The yoy market share increased from 1 2.80% to 1 3.40% l The growth momentum continued in December 2025, with company outpac
Slide 14: Segment wise market share
Big: : :fl: Iinnt wisR market share Segment (? Cr) Market NIACL MarketShare Fire 22,769 i 4,028 17.69c70 Marine 4.424 805 18.19cyo Motor 78.0491 7,519 9.63c70 Health & PA 1 ,09,748 18.041 16.440/, Crop i 7,0651 0.03c70 Others 18. 154 3. 108 17.12c70 Total 2,50,209 33,506 13.390/,
Slide 15: Financial Performance / Performance v/s industry / Company strategy
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Slide 16: About the company
-I:IIly{ the conlpany Rated AAA by CRISIL and Market leadership with a 106th year of operation B++ (Good - Positive) by AM strong brand image Best Multi channel distribution Indian multinational with 1,668 offices in India network presence in 24 countries underlining strong domestic presence
Slide 17: Segment Mix
S2glrlent Mix Gross Written Premium 9.35% 15.52% 0.37% 2.43% 11. 10% 48.16% ] 13.04% • Fire • Marine • Motor OD • MotoreTP • Health and PA • Crop Others
Slide 18: Distribution mix Q3 FY25-26 (Indian business)
!!strihutiorl mix Q:3FY25-26(Indian business) Dealer Bancassurance 6.90% 0.56cyo Broker 37.00% Agency 24.39% • Direct • Agency Broker Dealer H Bancassurance
Slide 19: Initiatives for FY26
IT initiatives for FY26 Launching innovative new products with focus on Retail and MSME J Entering new lines like parametric insurance \ Emphasis on growth in segments other than Motor and Health where competitive intensity is high Further impetus on risk management initiatives and taking steps to i
Slide 20: Customer service and digital initiatives
WhatsApp services in 8 Call centre offering languages which offer services in 7 regional Revamped website policy and claim related languages services Claim automation efforts Customer portal offering Al/ML enabled Chatbot continue for faster claim a seamless user for customer service settlement expe
Slide 21: Thank You
NmINDIA ASSURANCE gPgm WaRn#qqRRtg The New India Assurance Co. Ltd ThankYou
The New India Assurance Company — Q3 FY2026 Earnings Presentation on 6ix