Liberty General Insurance — Financial Performance
121.0%
Combined ratio, Q1 FY26-27
+15.0 pts vs Q1 FY25-261.75×
Solvency ratio, Q4 FY24-25
−0.01× vs Q4 FY23-24Liberty General Insurance's combined ratio was 121.0% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
Quarterly financial ratios — Q1 FY25-26 to Q1 FY26-27
| Metric | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | Q1 FY25-26 |
|---|---|---|---|---|---|
| incurred claims ratio | 81.0%+2.0 pts | Not disclosed | Not disclosed | Not disclosed | 79.0% |
| net commission ratio | 26.0%+10.0 pts | Not disclosed | Not disclosed | Not disclosed | 16.0% |
| expense ratio to gross premium | 39.0%+2.0 pts | Not disclosed | Not disclosed | Not disclosed | 37.0% |
| combined ratio | 121.0%+15.0 pts | Not disclosed | Not disclosed | Not disclosed | 106.0% |
| solvency ratio | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Not disclosed |
| profit before tax | ₹-24 crore−48.3% | ₹-39 crore | ₹-179 crore | ₹-44 crore | ₹-16 crore |
| profit after tax | ₹-24 crore−48.3% | ₹-39 crore | ₹-179 crore | ₹-44 crore | ₹-16 crore |
The small figure under each number is the change from the same quarter a year earlier — in percentage points for ratios, as a percentage change for profit before/after tax. Shown only where this insurer has a filing from exactly that quarter a year ago; no figure means that comparison isn't available, not that nothing changed.
Expense ratio shown on a gross-direct-premium basis (GDP), per IRDAI's 2021 reform — not directly comparable to an insurer's net-written-premium (NWP) basis figure if quoted elsewhere. "Not disclosed" means this insurer's filing for that quarter didn't include this figure — not an estimate.
Provenance (combined ratio, latest quarter)
- Reported by
- Liberty General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · Liberty 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.