Liberty General Insurance — Revenue Mix & Quality of Business
Liberty General Insurance's revenue mix was led by Motor at 68.0% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
121.0%
+15.0 pts
incurred claims ratio, Q1 FY26-27
81.0%
+2.0 pts
net commission ratio, Q1 FY26-27
26.0%
+10.0 pts
expense ratio to gross premium, Q1 FY26-27
39.0%
+2.0 pts
Total gross direct premium, Q1 FY26-27
₹74,317 lakh
+23.8%
Largest line, Q1 FY26-27
Motor
68.0% 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
FY25-26
Fire
2.8%
1.9%
2.2%
2.7%
2.7%
Marine
0.9%
0.7%
0.5%
0.6%
0.7%
Marine segments (1)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹678 lakh
₹1,969 lakh
Motor
68.0%
80.4%
83.7%
73.9%
75.4%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹25,515 lakh
₹1,04,953 lakh
Motor TP
₹25,023 lakh
₹1,01,033 lakh
Health
24.1%
13.8%
10.7%
19.1%
17.8%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹16,474 lakh
₹43,771 lakh
Travel
₹923 lakh
₹3,423 lakh
Personal Accident
₹528 lakh
₹1,467 lakh
Other lines
4.2%
3.2%
2.9%
3.7%
3.3%
Other lines segments (3)
Line
Q1 FY26-27
FY25-26
Liability
₹1,600 lakh
₹3,878 lakh
Engineering
₹1,191 lakh
₹4,314 lakh
Workmen's Comp.
₹297 lakh
₹915 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.