Generali Central Insurance (formerly Future Generali) — Revenue Mix & Quality of Business
Generali Central Insurance's revenue mix was led by Motor at 40.1% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
127.9%
+13.9 pts
incurred claims ratio, Q1 FY26-27
90.1%
+12.1 pts
net commission ratio, Q1 FY26-27
21.2%
+3.2 pts
expense ratio to gross premium, Q1 FY26-27
29.5%
−1.5 pts
Total gross direct premium, Q1 FY26-27
₹1,11,170.28 lakh
−5.3%
Largest line, Q1 FY26-27
Motor
40.1% of gross direct premium
Revenue mix — % of gross direct premium by segment, Q2 FY25-26 to Q1 FY26-27
Segment
Q1 FY26-27
Q4 FY25-26
Q3 FY25-26
Q2 FY25-26
FY25-26
Fire
14.0%
8.8%
9.9%
11.3%
13.4%
Marine
5.1%
2.7%
2.4%
2.4%
2.9%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹5,648.55 lakh
₹14,201.4 lakh
Marine Hull
₹0 lakh
₹220.16 lakh
Motor
40.1%
38.2%
49.7%
39.1%
40.4%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹24,921.42 lakh
₹93,592.11 lakh
Motor TP
₹19,610.18 lakh
₹1,07,535.03 lakh
Health
36.1%
39.7%
25.0%
31.8%
32.6%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹33,874.58 lakh
₹1,49,570.78 lakh
Personal Accident
₹6,132.75 lakh
₹11,950.14 lakh
Travel
₹171.16 lakh
₹559.76 lakh
Other lines
4.8%
10.5%
13.0%
15.4%
10.7%
Other lines segments (5)
Line
Q1 FY26-27
FY25-26
Engineering
₹3,438.26 lakh
₹11,421.97 lakh
Liability
₹1,118.88 lakh
₹4,080.72 lakh
Workmen's Comp.
₹890.29 lakh
₹3,699.14 lakh
Aviation
₹0 lakh
₹7.36 lakh
Crop
₹-154.86 lakh
₹33,968.4 lakh
% of gross direct premium per IRDAI Form NL-4 (Premium Schedule); FY columns sum all four quarters' "for the quarter" figures and only appear for fiscal years where all four quarters are available — an incomplete year isn't shown as an annual total. Health includes Personal Accident and Travel; click a line with more than one segment to see its own breakdown (latest quarter and latest complete fiscal year only — quarterly splits for lines this small are noisy to trend). The tiles above are company-wide ratios, as filed — not segment-specific; segment-level incurred claims ratio for the largest lines (IRDAI Forms NL-5 / NL-20 segmental) hasn't been extracted for this insurer yet, so it isn't shown here rather than estimated. SeeUnderwriting Performance for the full per-segment history.