Acko General Insurance — Financial Performance
Acko General Insurance's combined ratio was 111.7% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
Quarterly financial ratios — Q1 FY25-26 to Q1 FY26-27
| Metric | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | Q1 FY25-26 |
|---|---|---|---|---|---|
| incurred claims ratio | 72.9%+4.0 pts | 64.7%−4.9 pts | 65.2%−3.7 pts | 66.9%−6.1 pts | 68.9%+0.5 pts |
| net commission ratio | 11.9%+2.0 pts | 14.5%+3.4 pts | 10.8%+0.4 pts | 10.1%+1.5 pts | 9.9%−0.1 pts |
| expense ratio to gross premium | 43.9%+8.3 pts | 41.7%−3.4 pts | 40.4%−6.3 pts | 35.9%−16.7 pts | 35.6%−10.7 pts |
| combined ratio | 111.7%+1.9 pts | 112.4%−12.1 pts | 107.5%−15.9 pts | 104.3%−30.2 pts | 109.7%−11.0 pts |
| solvency ratio | 1.59×−0.78× | 1.88×−0.42× | 2.01×−0.35× | 2.29×−0.14× | 2.37×−0.43× |
| profit before tax | ₹-29 crore−185.3% | ₹-8 crore | ₹-6 crore | ₹23 crore | ₹34 crore |
| profit after tax | ₹-29 crore−185.3% | ₹-8 crore | ₹-6 crore | ₹23 crore | ₹34 crore |
The small figure under each number is the change from the same quarter a year earlier — in percentage points for ratios, as a percentage change for profit before/after tax. Shown only where this insurer has a filing from exactly that quarter a year ago; no figure means that comparison isn't available, not that nothing changed.
Expense ratio shown on a gross-direct-premium basis (GDP), per IRDAI's 2021 reform — not directly comparable to an insurer's net-written-premium (NWP) basis figure if quoted elsewhere. "Not disclosed" means this insurer's filing for that quarter didn't include this figure — not an estimate.
Full-year financial ratios
These are the insurer's own full-year figures, as filed with IRDAI for the whole fiscal year — not the same as adding up four quarters, since each quarter's own number above is a standalone snapshot for that quarter alone.
| Metric | FY25-26 | FY24-25 | FY23-24 | FY22-23 | FY21-22 | FY20-21 |
|---|---|---|---|---|---|---|
| incurred claims ratio | 66.3% | 70.0% | 69.6% | 84.3% | 97.8% | 81.8% |
| net commission ratio | 11.4% | 10.0% | 10.9% | 0.7% | -6.2% | -4.8% |
| expense ratio to gross premium | 38.7% | 47.7% | 55.2% | 55.4% | 49.6% | 51.3% |
| combined ratio | 108.5% | 125.9% | 134.7% | 155.0% | 171.2% | 172.3% |
Provenance (combined ratio, latest quarter)
- Reported by
- Acko General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- Public_Disclosure_Q1_2026_27_1_a86ea579b6.pdf · Acko General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-31
- Note
- NL-20 text-fallback line match: combined_ratio