New India Assurance Co. Ltd. · NSE:NIACL
New India Assurance — The New India Assurance Company — H1 FY2026 Earnings Presentation
19 slides from New India Assurance's earnings presentation, Nov 14, 2025
Slide 1: Exchange filing cover letter: Investor Presentation
7"N t -R-Ftr{-4r 41 ror-H 0144) THE NEW INDIA ASSURANCE COMPANY LTD. (Govt. of India Undertaking) Itt-t774TraT7 chigimq : f1-7 , 1•771 ,11-.1R-g4r, 87, 4-iic-4-i1 -T1ift 4-114, 411J, 114 - 400 001. Phone : 022 2270 8100 Regd. & Head Office : New India Assurance Bldg., 87, M.G. Road, Fort, Mumbai - 4
Slide 2: Results for the Period ended 30th September 2025
NEW INDIA ASSURANCE 0*EIT Livt•hrai *1:14t rZeifs The New India Assurance Co. Ltd Results for the Period ended 30th September 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 H1FY26 performance
Chairperson's comments on H1FY26 performance "It gives me immense satisfaction to inform that the Company achieved an 11.5% growth in Gross Written Premium (GWP) during the six-month period ended September 30, 2025. The domestic business registered growth ahead of the industry, resulting in an incre
Slide 5: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 6: Financial Performance
Financial Performance Amounts in t Cr H1FY26 H1FY25 FY25 FY24 Gross Written Premium 23,875 21,408 43,618 41,996 11.52% 3.12% 3.86% 8.26% *Underwriting results were % Change YoY 19,648 17,644 36,315 34,407 impacted by provision towards wage Net Written Premium arrears and retirement benefits of 18,76
Slide 7: Financial performance
Financial performance Combined Ratio Gross Written Premium 127.21% 43.618 41,996 120.00% 119.88% 23,875 21,408 116.'78% 111 HI FY 25-26 HI Pt 24-25 Pt 24-25 FY23-24 HI Pt 25-26 HI Pt 24-25 FY25 FY24 9,241 PAT Investment Income 8,034 1129 988 6,319 Wage arrears and retirement benefit provision for ac
Slide 8: Financial performance
Financial performance Solvency Ratio Asset Under Management Technical Reserve 100,278 56,699 1.81 98,413 52,150 1.79 HI FY 25-26 HI FY 24-25 HI FY 25-26 HI FY 24-25 HI FY 25-26 HI FY 24-25 Net Worth Fair Value Change Account ROE 22,183 29,820 4.18% 20,464 2.72% 21,212 HI FY 25-26 HI FY 24-25 HI FY 2
Slide 9: Segment wise performance
Segment wise performance GWP % YoY ICR % H1FY25-26 H1FY24-25 H1FY25-26 H1FY24-25 Fire 3784 3119 21.32% 91.40% 76.68% Marine 576 552 4.34% 74.84% 62.82% Motor OD 2495 2528 -1.30% 113.66% 107.88% Motor TP 2877 2917 -1.37% 105.52% 105.54% Health & PA 11646 10116 15.12% 105.78% 103.61% Crop 126 133 -5.2
Slide 10: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 11: Performance v/s industry (Indian business)
Perfurmance v/s industry (Indian business) GI industry grew by 7.32% in H1Fy26 NIACL domestic gross direct premium income grew by 12.86% outpacing the industry growth The YoY market share increased from 12.60% to 13.25% The growth momentum continued in October 2025, with company outpacing the indust
Slide 12: Segment wise market share
Segment wise market share Segment (t Cr) Market NIACL Market share 2856.39 16.40% 535.19 17.31% Motor 47850.79 Mar 4611.04 9.63% Health & PA 70795.05 11710.85 16.54% Crop* 13532, 7:1 0 0°,1 Others 12471.49 isikinis 2171.08 17.40% Total 165156.74 21884.52 13.25% • Company did not write any crop busin
Slide 13: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 14: About the company
About the company Market leadership with a Rated AAA by CRISIL and 106th year of operation strong brand image B++ (Good) by AM Best Multi channel distribution Indian multinational with 1,668 offices in India network presence in 24 countries underlining strong domestic presence
Slide 15: Segment Mix
Segment Mix Gross Written Premium ■ Fire ■ Marine ■ Motor OD ■ MotoreTP ■ Health and PA r Crop Others
Slide 16: Distribution mix — H1 FY25-26 (Indian business)
Distribution mix — HI FY25-26(Indian business) Dealer Bancassurance __sin_----.„. 0.57% Direct 4 31.01%_ 24.40% • Direct • Agency • Braker • Dealer • Bancassurance
Slide 17: Key initiatives for FY26
Key initiatives far 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 Al/ML enabled Chatbot a seamless user continue for faster claim for customer serv
Slide 19: Thank You
NEW INDIA ASSURANCE RrAas The New India Assurance Co. Ltd Thank You
The New India Assurance Company — H1 FY2026 Earnings Presentation on 6ix