ECGC — Underwriting Performance
ECGC: Other led at 100.0% of gross direct premium (₹34,446.3 lakh) for Q1 FY26-27, per IRDAI form NL-4.
Business mix by segment — Q1 FY26-27
| Classification | Gross direct premium | Share of business | |||
|---|---|---|---|---|---|
| Commercial | ₹34,446.3 lakh | 100.0% | |||
Commercial segments (1)
| |||||
| Grand total | ₹34,446.3 lakh | 100% | |||
Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — click through to the full per-segment breakdown below for the underlying filed detail, or the combined ratio & ICR by segment table further down for each segment's own profitability ratios.
Gross direct premium by segment — full detail, Q1 FY26-27 to Q1 FY26-27
| Segment | Q1 FY26-27 | % of total, Q1 FY26-27 |
|---|---|---|
| Fire GDP | Not disclosed | — |
| Marine Cargo GDP | Not disclosed | — |
| Marine Hull GDP | Not disclosed | — |
| Motor OD GDP | Not disclosed | — |
| Motor TP GDP | Not disclosed | — |
| Health GDP | Not disclosed | — |
| Personal Accident GDP | Not disclosed | — |
| Travel GDP | Not disclosed | — |
| Workmen's Comp. GDP | Not disclosed | — |
| Liability GDP | Not disclosed | — |
| Engineering GDP | Not disclosed | — |
| Aviation GDP | Not disclosed | — |
| Crop GDP | Not disclosed | — |
| Other GDP | ₹34,446.3 lakh | 100.0% |
| Total gross direct premium | ₹34,446.3 lakh | 100% |
Gross direct premium (not net earned premium) per IRDAI Form NL-4 (Premium Schedule), "for the quarter" column — these are standalone quarterly amounts, not running year-to-date totals. Segment-level net incurred claims in absolute rupees aren't shown here: IRDAI's segment-level claims filing (Form NL-5) hasn't been extracted for this insurer yet — see the combined ratio & ICR table below for the ratio form of this, sourced from NL-20.
Combined ratio & ICR by segment — Q1 FY26-27
| Segment | ICR | Combined ratio |
|---|---|---|
| Other | 159.5% | 188.0% |
Per IRDAI Form NL-20 (Analytical Ratios Schedule)'s own segmental breakdown, latest quarter only — this granularity isn't reliably available as a multi-quarter trend across insurers. Combined ratio here can legitimately differ from a simple "ICR + expense" sum when a segment's own expense-to-net-written-premium ratio is unusually negative or positive for the quarter — reported exactly as filed, not recalculated.
Provenance (Other GDP, latest quarter)
- Reported by
- ECGC
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- NL_till_now_fy2627_q1.pdf · ECGC's disclosure page
- Source URL
- https://main.ecgc.in/english/wp-content/uploads/2026/07/NL_till_now_fy2627_q1.pdf
- Extracted by
- irw_adapter v1 (manual, single-segment filing)
- Last verified
- 2026-10-26
- Note
- ECGC reports its entire book under one NL-4 column, labelled Miscellaneous - Others / Miscellaneous Segment (credit insurer, no Fire/Marine/Motor/Health split). Mapped to the existing other segment slug. Pulled directly from ECGC own filing 2026-10-26 -- the vendor file had this insurer blank for this form (its template assumes a standard multi-segment insurer).