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The New India Assurance Company
The New India Assurance Company (NIACL) investor relations material
The New India Assurance Company Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Global Gross Written Premium grew by 10.5% for the nine months ended December 31, 2025, with domestic premium growth outpacing the industry and market share rising to 13.4% from 12.8% year-over-year.
Profit Before Tax increased by 215% for Q3FY26 and 62% for the nine-month period, despite one-time wage arrears and retirement benefit provisions.
Maintains leadership in Indian non-life insurance with presence in 24 countries and strong balance sheet, including improvements in net worth, general reserves, and a solvency ratio of 1.81.
Strategic focus on risk-weighted growth, underwriting discipline, claims efficiency, and technology adoption.
Company rated AAA by CRISIL, B++ by AM Best, with improved risk management and internal controls.
Financial highlights
Q3 FY26 gross written premium: INR 11,680 crore, up 8.37% year-over-year; 9M FY26: INR 35,555 crore, up 10.47%.
Q3 net profit after tax: INR 372 crore (vs. INR 353 crore last year); 9M net profit: INR 826 crore.
Q3 combined ratio: 117.98% (vs. 116.28% last year); 9M combined ratio: 124%.
Investment income for Q3: INR 2,280 crore, including INR 1,080 crore capital gains; 9M capital gains: INR 4,236 crore.
Assets under management: INR 100,890 crore (up from INR 97,690 crore last year); Net worth at INR 22,630 crore.
Outlook and guidance
Management expects to maintain growth momentum and deliver improved performance in the coming quarter, supported by government reforms and robust investment income.
Near-term challenges include claims inflation and competitive intensity, but focus remains on disciplined underwriting and operational efficiency.
Motor segment growth expected to recover as portfolio restructuring stabilizes.
Health segment loss ratio targeted at 98-100%; motor at 103-104%.
Double-digit ROE targeted through improved ICR and profitability.
Motor portfolio recalibration impact on profitability
Future investment income strategy post wage provision
Parametric insurance growth outlook
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Next The New India Assurance Company earnings date
Q4 25/2622 May, 2026
The New India Assurance Company
Next The New India Assurance Company earnings date
Q4 25/2622 May, 2026
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