New India Assurance Co. Ltd. · NSE:NIACL
New India Assurance — The New India Assurance Company — FY2026 Earnings Presentation
21 slides from New India Assurance's earnings presentation, May 11, 2026
Slide 1: The New India Assurance Company Ltd. – Investor Presentation Cover Letter
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Slide 2: Results for the period ended 31st March 2026
Results for the period ended 31st March 2026
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 FY26 performance
Chairperson’s comments on FY26 performance Commenting on the results, CMD Ms. Girija Subramanian said, “It gives me immense pleasure to share with you the excellent financial results of the company for the year ended 31st March 2026. The company’s gross written premium grew by 8.2% during the year.
Slide 5: Agenda
Agenda Financial Performance Performance v/s industry Company strategy
Slide 6: Agenda: Financial Performance
Agenda Financial Performance Performance v/s industry Company strategy
Slide 7: Financial Performance
Financial Performance Amounts in ₹ Cr Q4 FY26 Q4 F25 FY26 FY25 Gross Written Premium 11,619 11,433 47,174 43,618 % Change YoY 1.63% 8.14% 8.15% 3.86% Net Written Premium 10,005 9,751 39,331 36,315 Net Earned Premium 9,969 9,306 38,462 35,368 *Underwriting results were Net Incurred Claim 9,555 8,788
Slide 8: Financial performance
Financial performance Gross Written Premium Combined Ratio 47,174 122.55% 43,618 118.34% 116.78% 111.46% 11,619 11,433 Q4 FY26 Q4 FY25 FY26 FY25 Q4 FY26 Q4 FY25 FY26 FY25 Investment Income 11,112 PAT 1384 8,034 988 558 2,513 2,339 347 Q4 FY26 Q4 FY25 FY26 FY25 Q4 FY26 Q4 FY25 FY26 FY25 All amounts i
Slide 9: Financial performance
Financial performance Solvency Ratio Asset Under Management Technical Reserve 57,620 1.91 98,045 96,652 53,177 1.84 FY 25-26 FY 24-25 FY 25-26 FY 24-25 FY 25-26 FY 24-25 Net Worth Fair Value Change Account ROE 23,619 21,406 6.08% 4.59% 13,878 21,884 FY 25-26 FY 24-25 FY 25-26 FY 24-25 FY 25-26 FY 24
Slide 10: Segment wise performance – Gross Written Premium
Segment wise performance – Gross Written Premium Q4 Q4 GWP % Change FY 25-26 FY 24-25 % Change FY 25-26 FY 24-25 FIRE 1,377 1,439 -4.33% 6,895 6,225 10.76% MARINE 260 216 20.26% 1,125 1,010 11.43% MOTOR OD 1,565 1,404 11.48% 5,514 5,406 1.99% MOTOR TP 2,024 1,967 2.89% 6,661 6,652 0.13% Health & PA
Slide 11: Segment wise performance – Incurred Claims Ratio
Segment wise performance – Incurred Claims Ratio Q4 Q4 ICR FY 25-26 FY 24-25 FY 25-26 FY 24-25 FIRE 65.63% 79.73% 76.54% 71.20% MARINE 77.73% 42.62% 86.74% 53.74% MOTOR OD 103.40% 91.39% 108.85% 104.22% MOTOR TP 133.85% 124.85% 113.86% 108.17% Health & PA 94.73% 94.73% 99.05% 100.98% Crop -1251.52%
Slide 12: Agenda: Performance v/s industry
Agenda Financial Performance Performance v/s industry Company strategy
Slide 13: Performance v/s industry (Indian business)
Performance v/s industry (Indian business) GI industry grew by 9.3% in FY26 NIACL domestic gross direct premium income grew by 10.9% outpacing the industry growth The YoY market share increased from 12.56% to 12.74% The growth momentum continued in FY 25-26, with company outpacing the industry growt
Slide 14: Segment wise market share
Segment wise market share Segment (₹ Cr) Market NIACL Market Share Fire 27,524 4,834 17.56% Marine 5,820 1,034 17.77% Motor 1,08,216 10,728 9.91% Health & PA 1,48,748 22,201 14.93% Crop 19,216 - 0.00% Others 26,599 4,025 15.13% Total 3,36,123 42,822 12.74%
Slide 15: Agenda: Company strategy
Agenda Financial Performance Performance v/s industry Company strategy
Slide 16: 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 17: Segment Mix
Segment Mix Gross Written Premium 9.33% 14.62% 0.28% 2.38% 11.69% 47.57% 14.11% Fire Marine Motor OD MotoreTP Health and PA Crop Others
Slide 18: Distribution mix – FY 25-26 (Indian business)
Distribution mix – FY 25-26(Indian business) Dealer Bancassurance 7.56% 0.61% Direct 30.13% Broker 35.79% Agency 25.91% Direct Agency Broker Dealer Bancassurance
Slide 19: 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 20: 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 21: Thank You
(2) NEW INDIA ASSURANCE ee og ster ode BRS The New India Assurance Co. Ltd Thank You
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