Generali Central Insurance (formerly Future Generali) — Financial Performance
Generali Central Insurance's combined ratio was 127.9% 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 | 90.1%+12.1 pts | 78.0%+7.0 pts | 83.0%+1.0 pts | 78.0%−6.0 pts | 78.0%+0.0 pts |
| net commission ratio | 21.2%+3.2 pts | 15.0%+3.0 pts | 21.0%+5.0 pts | 17.0%+4.0 pts | 18.0%+4.0 pts |
| expense ratio to gross premium | 29.5%−1.5 pts | 29.0%−3.0 pts | 37.0%+8.0 pts | 32.0%+5.0 pts | 31.0%+5.0 pts |
| combined ratio | 127.9%+13.9 pts | 107.0%+0.0 pts | 127.0%+14.0 pts | 116.0%+7.0 pts | 114.0%+10.0 pts |
| solvency ratio | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Not disclosed |
| profit before tax | ₹-112 crore−392.7% | ₹11 crore−31.2% | ₹-39 crore−164.9% | ₹-5 crore−130.4% | ₹38 crore+9.5% |
| profit after tax | ₹-84 crore−397.0% | ₹8 crore−27.6% | ₹-30 crore−166.0% | ₹-3 crore−130.2% | ₹28 crore+8.6% |
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 |
|---|---|
| incurred claims ratio | 79.4% |
| net commission ratio | 17.0% |
| expense ratio to gross premium | 32.0% |
| combined ratio | 115.0% |
Provenance (combined ratio, latest quarter)
- Reported by
- Generali Central Insurance (formerly Future Generali)
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · Generali Central Insurance (formerly Future Generali)'s disclosure page
- Extracted by
- EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)
- Last verified
- 2026-10-26
- Note
- Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.