Kshema General Insurance — Revenue Mix & Quality of Business
Kshema General Insurance's revenue mix was led by Other lines at 46.8% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
500.5%
+403.6 pts
incurred claims ratio, Q1 FY26-27
298.8%
+223.6 pts
net commission ratio, Q1 FY26-27
18.9%
+21.1 pts
expense ratio to gross premium, Q1 FY26-27
170.6%
+152.4 pts
Total gross direct premium, Q1 FY26-27
₹3,398.32 lakh
−87.9%
Largest line, Q1 FY26-27
Other lines
46.8% 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
FY24-25
FY25-26
Fire
0.6%
0.0%
0.0%
0.0%
—
0.0%
Marine
0.0%
0.0%
0.0%
0.0%
—
0.0%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹0 lakh
₹0 lakh
Marine Hull
₹0 lakh
₹0 lakh
Motor
27.2%
0.2%
0.0%
0.0%
—
0.1%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹924.42 lakh
₹125.58 lakh
Motor OD
₹0 lakh
₹0 lakh
Health
25.4%
0.0%
0.0%
0.1%
—
0.0%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹855.36 lakh
₹12.07 lakh
Personal Accident
₹6.37 lakh
₹9.21 lakh
Travel
₹0 lakh
₹0 lakh
Other lines
46.8%
99.7%
100.0%
99.9%
—
99.9%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Crop
₹1,536.71 lakh
₹1,05,499.24 lakh
Liability
₹50.38 lakh
₹0 lakh
Engineering
₹4.8 lakh
₹0 lakh
Workmen's Comp.
₹0 lakh
₹0 lakh
Aviation
₹0 lakh
₹0 lakh
Other
₹0 lakh
₹0 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.