New India Assurance Co. Ltd. · NSE:NIACL
New India Assurance — The New India Assurance Company — Q3 FY26 Earnings Presentation
19 slides from New India Assurance's earnings presentation, Jan 30, 2026
Slide 1: ABHISHEK Digitally PAGARIA Date:
ABHISHEK Digitally signed by ABHISHEK PAGARIA PAGARIA Date: 2026.01.30 18:38:00 +05'30'
Slide 2: Results for the period ended 31st December 2025
Results for the period ended 31st December 2025
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 Q3 FY26 performance
Chairperson’s comments on Q3 FY26 performance "I am pleased to announce our financial results for the period ended December 31, 2025. Our Global Gross Written Premium for the nine-month period grew by 10.5%. Notably, our Domestic Gross Direct Premium growth significantly outpaced the industry averag
Slide 5: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 6: Financial Performance
Financial Performance Amounts in ₹ Cr Q3 FY26 Q3FY25 FY25 FY24 Gross Written Premium 35,555 32,186 43,618 41,996 % Change YoY 10.47% 2.42% 3.86% 9.79% *Underwriting results were Net Written Premium 29,326 26,564 36,315 34,407 impacted by provision towards wage arrears and retirement benefits of Net
Slide 7: Financial performance
Financial performance Combined Ratio Gross Written Premium 124.01% 43,618 41,996 35,555 32,186 119.88% 118.70% 116.78% Q3 FY 25-26 Q3 FY 24-25 FY 24-25 FY23-24 Q3 FY 25-26 Q3 FY 24-25 FY25 FY24 Investment Income 9,241 PAT 8,599 1,129 8,034 988 826 Wage arrears since Aug-22 5,695 641 and retirement b
Slide 8: Financial performance
Financial performance Solvency Ratio Asset Under Management Technical Reserve 100,890 56,745 1.9 1.81 97,690 52,536 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25-26 Q3 FY 24-25 Net Worth Fair Value Change Account ROE 22,630 24,991 4.95% 19,993 4.01% 21,516 Q3 FY 25-26 Q3 FY 24-25 Q3 FY 25
Slide 9: Segment wise performance
Segment wise performance GWP % YoY ICR % Q3FY25-26 Q3FY24-25 Q3FY25-26 Q3FY24-25 Fire 5,519 4,786 15.31% 80.99% 68.08% Marine 865 793 9.01% 89.56% 58.06% Motor OD 3,949 4,002 -1.34% 110.67% 108.45% Motor TP 4,637 4,685 -1.04% 107.34% 102.41% Health & PA 17,127 14,745 16.15% 100.58% 103.26% Crop 131
Slide 10: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 11: Performance v/s industry (Indian business)
Performance 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 The YoY market share increased from 12.80% to 13.40% The growth momentum continued in December 2025, with company outpacing the indus
Slide 12: Segment wise market share
Segment wise market share Segment (₹ Cr) Market NIACL Market Share Fire 22,769 4,028 17.69% Marine 4,424 805 18.19% Motor 78,049 7,519 9.63% Health & PA 1,09,748 18,041 16.44% Crop 17,065 5 0.03% Others 18,154 3,108 17.12% Total 2,50,209 33,506 13.39%
Slide 13: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 14: About the company
About the company Rated AAA by CRISIL and Market leadership with a 107th year of operation B++ (Good - Positive) by AM strong brand image Best 1,668 offices in India Multi channel distribution Indian multinational with underlining strong domestic network presence in 24 countries presence
Slide 15: Segment Mix
Segment 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 16: Distribution mix – Q3 FY25-26 (Indian business)
Distribution mix – Q3 FY25-26(Indian business) Dealer Bancassurance 6.90% 0.56% Direct 31.15% Broker 37.00% Agency 24.39% Direct Agency Broker Dealer Bancassurance
Slide 17: Key initiatives for FY26
Key initiatives for FY26 Launching innovative new products with focus on Retail and MSME 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 impr
Slide 18: Key IT initiatives
Key IT initiatives WhatsApp services in 8 Call centre offering languages which offer services in 7 regional Revamped website policy and claim related languages services Customer portal offering Claim automation efforts AI/ML enabled Chatbot a seamless user continue for faster claim for customer serv
Slide 19: Thank You
The New India Assurance Co. Ltd Thank You
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