IFFCO Tokio General Insurance — Underwriting Performance
IFFCO Tokio General Insurance: Motor OD led at 26.8% of gross direct premium (₹59,663 lakh) for Q1 FY26-27, per IRDAI form NL-4.
Business mix by segment — Q1 FY26-27
| Classification | Gross direct premium | Share of business | |||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Retail | ₹1,18,516 lakh | 53.2% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹28,135 lakh | 12.6% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹76,333 lakh | 34.2% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹2,22,984 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 | ₹28,287 lakh | ₹13,432 lakh | ₹19,518 lakh | ₹24,605 lakh | 12.7% |
| Marine Cargo GDP | ₹13,828 lakh | ₹8,295 lakh | ₹8,692 lakh | ₹8,184 lakh | 6.2% |
| Marine Hull GDP | ₹555 lakh | ₹644 lakh | ₹121 lakh | ₹1,471 lakh | 0.2% |
| Motor OD GDP | ₹59,663 lakh | ₹66,552 lakh | ₹58,949 lakh | ₹41,681 lakh | 26.8% |
| Motor TP GDP | ₹58,853 lakh | ₹71,228 lakh | ₹67,571 lakh | ₹49,807 lakh | 26.4% |
| Health GDP | ₹25,599 lakh | ₹22,629 lakh | ₹18,550 lakh | ₹25,271 lakh | 11.5% |
| Personal Accident GDP | ₹2,475 lakh | ₹2,965 lakh | ₹2,546 lakh | ₹2,901 lakh | 1.1% |
| Travel GDP | ₹61 lakh | ₹24 lakh | ₹42 lakh | ₹40 lakh | 0.0% |
| Workmen's Comp. GDP | ₹2,001 lakh | ₹1,793 lakh | ₹1,980 lakh | ₹1,693 lakh | 0.9% |
| Liability GDP | ₹2,326 lakh | ₹1,985 lakh | ₹1,464 lakh | ₹1,909 lakh | 1.0% |
| Engineering GDP | ₹10,440 lakh | ₹8,490 lakh | ₹7,535 lakh | ₹7,649 lakh | 4.7% |
| Aviation GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹-7 lakh | 0.0% |
| Crop GDP | ₹71 lakh | ₹14,733 lakh | ₹15,678 lakh | ₹48,644 lakh | 0.0% |
| Other GDP | ₹18,825 lakh | ₹21,381 lakh | ₹20,956 lakh | ₹20,887 lakh | 8.4% |
| Total gross direct premium | ₹2,22,984 lakh | ₹2,34,151 lakh | ₹2,23,602 lakh | ₹2,34,735 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 | 82.5% | 74.5% |
| Marine Cargo | 87.1% | 111.4% |
| Marine Hull | 0.0% | -183.9% |
| Motor OD | 71.7% | 130.3% |
| Motor TP | 98.5% | 121.6% |
| Health | 97.5% | 121.6% |
| Personal Accident | 82.3% | 109.9% |
| Travel | 204.4% | 260.6% |
| Workmen's Comp. | 84.7% | 123.7% |
| Liability | 86.6% | 121.0% |
| Engineering | 39.5% | 112.1% |
| Aviation | 0.0% | 0.0% |
| Crop | 102.1% | 2074.4% |
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 OD GDP, latest quarter)
- Reported by
- IFFCO Tokio General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/iffco-tokio/public-disclosure-june-2026.pdf · IFFCO Tokio General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-24
- Note
- NL-4 segment GDP, for the quarter (sum=222,984 vs Grand Total=222984.0)