Digit General Insurance — Underwriting Performance

Digit General Insurance: Motor TP led at 40.4% of gross direct premium (₹94,973 lakh) for Q1 FY26-27, per IRDAI form NL-4.

combined ratio, Q1 FY26-27

112.4%

+3.7 pts

incurred claims ratio, Q1 FY26-27

73.3%

+3.0 pts

net commission ratio, Q1 FY26-27

29.4%

+0.0 pts

expense ratio to gross premium, Q1 FY26-27

39.0%

+4.0 pts

Total gross direct premium, Q1 FY26-27

₹2,35,358 lakh

−1.2%

Largest segment, Q1 FY26-27

Motor TP

40.4% of gross direct premium

Business mix by segment — Q1 FY26-27

Classification

Gross direct premium

Share of business

Retail

₹1,47,391 lakh

Retail segments (2)

Motor TP	₹94,973 lakh	64.4%
Motor OD	₹52,418 lakh	35.6%

Hybrid

₹58,266 lakh

Hybrid segments (3)

Health	₹38,911 lakh	66.8%
Personal Accident	₹18,061 lakh	31.0%
Travel	₹1,294 lakh	2.2%

Commercial

₹29,701 lakh

Commercial segments (7)

Fire	₹16,719 lakh	56.3%
Engineering	₹6,956 lakh	23.4%
Marine Cargo	₹3,427 lakh	11.5%
Workmen's Comp.	₹2,545 lakh	8.6%
Aviation	₹42 lakh	0.1%
Marine Hull	₹7 lakh	0.0%
Liability	₹5 lakh	0.0%

Grand total

₹2,35,358 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, Q2 FY25-26 to Q1 FY26-27

Segment	Q1 FY26-27	Q4 FY25-26	Q3 FY25-26	Q2 FY25-26	% of total, Q1 FY26-27
Fire GDP	₹16,719 lakh	₹8,338 lakh	₹8,720 lakh	₹14,417 lakh	7.1%
Marine Cargo GDP	₹3,427 lakh	₹974 lakh	₹935 lakh	₹754 lakh	1.5%
Marine Hull GDP	₹7 lakh	₹0 lakh	₹2 lakh	₹-2 lakh	0.0%
Motor OD GDP	₹52,418 lakh	₹63,788 lakh	₹77,379 lakh	₹62,260 lakh	22.3%
Motor TP GDP	₹94,973 lakh	₹1,08,470 lakh	₹1,15,753 lakh	₹1,01,930 lakh	40.4%
Health GDP	₹38,911 lakh	₹40,286 lakh	₹32,353 lakh	₹34,310 lakh	16.5%
Personal Accident GDP	₹18,061 lakh	₹5,291 lakh	₹5,236 lakh	₹7,146 lakh	7.7%
Travel GDP	₹1,294 lakh	₹1,100 lakh	₹1,177 lakh	₹992 lakh	0.5%
Workmen's Comp. GDP	₹2,545 lakh	₹2,231 lakh	₹2,038 lakh	₹2,188 lakh	1.1%
Liability GDP	₹5 lakh	₹0 lakh	₹12 lakh	₹20 lakh	0.0%
Engineering GDP	₹6,956 lakh	₹4,669 lakh	₹5,177 lakh	₹4,236 lakh	3.0%
Aviation GDP	₹42 lakh	₹2 lakh	₹2 lakh	₹45 lakh	0.0%
Crop GDP	Not disclosed	Not disclosed	Not disclosed	Not disclosed	—
Other GDP	Not disclosed	Not disclosed	Not disclosed	Not disclosed	—
Total gross direct premium	₹2,35,358 lakh	₹2,35,149 lakh	₹2,48,784 lakh	₹2,28,296 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
Fire	83.0%	56.8%
Marine Cargo	61.8%	-56.8%
Marine Hull	0.0%	0.0%
Motor OD	75.9%	135.5%
Motor TP	66.6%	114.1%
Health	88.7%	108.4%
Personal Accident	83.2%	91.2%
Travel	59.5%	112.8%
Workmen's Comp.	69.8%	102.6%
Liability	0.0%	-100.0%
Engineering	82.4%	38.1%
Aviation	85.7%	82.1%
Crop	-70.0%	4.0%

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 (Motor TP GDP, latest quarter)

Reported by: Digit General Insurance
Regulatory form: NL-4-PREMIUM-SCHEDULE · what this form contains
Reporting period: Q1 FY26-27
Source document: textplor-vendor-2026-27-Q1.xlsx · Digit General Insurance'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.