Kshema General Insurance — Distribution Mix
Kshema General Insurance's new business was led by the Brokers channel at 54.8% of premium for Q1 FY26-27, as reported in IRDAI form NL-36.
Channel mix — quarter ended Q1 FY26-27 vs. Q1 FY25-26 (year ago)
| Channel group | Policies, Q1 FY26-27 | Premium, Q1 FY26-27 | Policies, Q1 FY25-26 | Premium, Q1 FY25-26 | |||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Brokers | 9,303 | ₹1,853.19 lakh (54.8%) | Not disclosed | ₹0 lakh (0.0%) | |||||||||||||||||||||||||||||||||||||||
| Agents/POSP | Not disclosed | ₹0 lakh (0.0%) | Not disclosed | ₹0 lakh (0.0%) | |||||||||||||||||||||||||||||||||||||||
Agents/POSP channels (2)
| |||||||||||||||||||||||||||||||||||||||||||
| Direct Website | Not disclosed | ₹0 lakh (0.0%) | Not disclosed | ₹0 lakh (0.0%) | |||||||||||||||||||||||||||||||||||||||
| Banks | 2,31,529 | ₹942.2 lakh (27.9%) | 22,82,591 | ₹9,250.75 lakh (33.0%) | |||||||||||||||||||||||||||||||||||||||
| Direct non-website | Not disclosed | ₹0 lakh (0.0%) | Not disclosed | ₹0 lakh (0.0%) | |||||||||||||||||||||||||||||||||||||||
Direct non-website channels (2)
| |||||||||||||||||||||||||||||||||||||||||||
| Corporate Agents | Not disclosed | ₹0 lakh (0.0%) | Not disclosed | ₹0 lakh (0.0%) | |||||||||||||||||||||||||||||||||||||||
| Others | 29,728 | ₹585.65 lakh (17.3%) | 14,71,263 | ₹18,823.67 lakh (67.0%) | |||||||||||||||||||||||||||||||||||||||
Others channels (7)
| |||||||||||||||||||||||||||||||||||||||||||
| Total, India | 2,70,560 | ₹3,381.04 lakh (100%) | 37,53,854 | ₹28,074.42 lakh (100%) | |||||||||||||||||||||||||||||||||||||||
Per IRDAI Form NL-36 (Business Channels Wise), "For the Quarter" column. Channels are grouped into ARGO's own 7-way classification (Brokers, Agents/POSP, Direct Website, Banks, Direct non-website, Corporate Agents, Others) — click a group with more than one channel to see its own breakdown. "Total, India" sums the 15 channels extracted here and excludes "Business outside India," a separate geography line on the same form. Some insurers report "Direct Business"'s sub-channels (Officers/Employees, Online, Others) as one combined figure rather than a real breakdown — shown as "Not disclosed" for those rows rather than guessed.
Total premium by quarter, trend
| Period | Total, India premium | Policies |
|---|---|---|
| Q2 FY25-26 | ₹1,418.21 lakh | 1,04,819 |
| Q3 FY25-26 | ₹23,005.62 lakh | 26,38,791 |
| Q4 FY25-26 | ₹52,769.35 lakh | 47,41,090 |
| Q1 FY26-27 | ₹3,381.04 lakh | 2,70,560 |