Factuary

Navi General Insurance Insurance Data

generalRegistration number unverified

General insurance subsidiary of Navi Technologies, founded by Sachin Bansal.

HQ: Bengaluru
Website ↗
IRDAI Disclosures ↗
Provenance note: The IRDAI registration number for this insurer is not yet verified from the official IRDAI registry. Data is published as filed, but treat with care for regulatory comparisons.

Navi General Insurance is a general insurance company licensed by IRDAI. Its solvency ratio of 2.87× as of Q1 FY26-27 exceeds the IRDAI mandatory minimum of 1.5×, ranking 4th among 27 general insurers. The company reported gross written premium of ₹56 crore in Q1 FY26-27, ranking 14th by premium among 15 general insurers. Its incurred claim ratio of 92.0% in Q1 FY26-27 is above the general insurer median of 85.6%, ranking 21st among 27 general insurers. Its combined ratio of 128.0% in Q1 FY26-27 is above 100%.

Peer rank among general insurers with data for that metric. Not shown when fewer than 3 peers have data.

A snapshot, not a time series — see Underwriting Performance, Revenue Mix and Distribution Mix for how these move quarter to quarter.

How to read this page

GWP — Gross Written Premium: total premium underwritten, including any reinsurance accepted.
GDPI — Gross Direct Premium Income: premium from direct business only. Insurers disclose both; they are not the same number.
ICR — Incurred Claims Ratio: net incurred claims ÷ net earned premium.
Commission ratio — net commission paid ÷ net written premium.
Combined ratio — (incurred claims + expenses + commission) ÷ net earned premium. Below 100% means an underwriting profit, before investment income.
Solvency ratio — available solvency margin ÷ required solvency margin. IRDAI's regulatory minimum is 1.50×.

This page shows figures in ₹ crore; the detail pages it links to (Underwriting Performance, Distribution Mix) show the same facts in ₹ lakh as filed. Where a filing for a given period couldn't be located, this site says "Not disclosed" rather than estimating.

GWP, Q1 FY26-27
₹56 cr
GDPI, Q1 FY26-27
₹56 cr
Gross Direct Premium Income

Navi General Insurance: Hybrid business — Health, Personal Accident and Travel together — made up 82.4% of gross direct premium in Q1 FY26-27; Brokers carried 100.0% of premium in Q1 FY26-27.

Line of business — Q1 FY26-27 (₹ crore, % of GDPI)

Retail: bought directly by an individual (Motor). Hybrid: designed for individuals but sold in a group structure (Health, Personal Accident, Travel). Commercial: the end beneficiary is a business (Fire, Marine, Engineering, Liability, Aviation, Crop, Credit and other specialty lines).

SegmentGross direct premiumShare
Retail₹10 cr17.6%
Hybrid₹47 cr82.4%
Grand total₹57 cr100%

Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — see Underwriting Performance for the full per-segment detail this rolls up from.

Channel mix — Q1 FY26-27 (₹ crore, % of premium)

ChannelPremiumShare
Brokers₹6 cr100.0%
Total₹6 cr100%

Regrouped from IRDAI Form NL-36's finer channel list — Agents/POSP = Individual agents + Point of Sales Persons; Others = Micro agents, Common Service Centres, Insurance Marketing Firms, MISP, Web aggregators and Referral arrangements. See Distribution Mix for the full unrounded breakdown.

Full data, every metric

Premium

gross written premium₹56 croreQ1 FY26-27NL-35-QUARTERLY-BUSINESS-RETURNS

Solvency

solvency ratio2.87×Q1 FY26-27NL-26-SOLVENCY-MARGIN

Solvency Margin

available solvency margin₹17,438 lakhQ1 FY26-27NL-26-SOLVENCY-MARGIN
required solvency margin₹6,081 lakhQ1 FY26-27NL-26-SOLVENCY-MARGIN

Claim Settlement

claim settlement ratio72.4%FY24-25Handbook-Table-53

Incurred Claims

incurred claims ratio92.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Combined Ratio

combined ratio128.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Expense Ratio

expense ratio to gross premium35.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
expense ratio36.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Financial Position

profit after tax₹-3 croreQ1 FY26-27NL-2-B-PL
profit before tax₹-4 croreQ1 FY26-27NL-2-B-PL

Underwriting

investment income ratio2.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net retention ratio93.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net commission ratio6.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net earning ratio-6.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
operating profit ratio-6.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
underwriting balance ratio-29.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium to net worth ratio17.00×Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Growth

net worth growth rate-2.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium growth rate66.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Distribution by Channel

Corporate Agents – Others policies-360Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others premium₹-44 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers premium₹576 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers policies4,260Q1 FY26-27NL-36-BUSINESS-CHANNELS

Investment Mix

debentures & bonds14,678 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
other investments3,703 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
infrastructure & housing8,459 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
equity & preference shares1,044 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
government securities26,367 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
mutual funds5,122 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
real estate & subsidiaries5,083 INR_lakhsQ1 FY25-26NL-12-INVESTMENT-SCHEDULE

Investment Exposure Norms

central govt. securities46.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
housing & infrastructure28.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
govt + approved securities47.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS

Investment NPA

gross npa (amount)0 INR_lakhsQ1 FY26-27NL-30-NON-PERFORMING-ASSETS

Investment Yield

gross yield (quarterly)2.00%Q1 FY26-27NL-31-INVESTMENT-INCOME
net yield (quarterly)2.00%Q1 FY26-27NL-31-INVESTMENT-INCOME
net yield (annualized)9.00%Q4 FY25-26NL-31-INVESTMENT-INCOME
gross yield (annualized)9.00%Q4 FY25-26NL-31-INVESTMENT-INCOME

Revenue Mix by Segment

fire segment premium₹-15 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
aviation segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine cargo segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine hull segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
liability segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor TP segment premium₹816 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
personal accident segment premium₹190 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
travel segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
health segment premium₹4,470 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
crop insurance segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor OD segment premium₹178 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
workmen's compensation segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
engineering segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE

Other Claims

claims repudiation ratio17.14%FY24-25Handbook-Table-53
claims paid to provisioned ratio36.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Per Share

book value per share₹6.79Q1 FY26-27NL-20-ANALYTICAL-RATIOS
earnings per share₹-0.06Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Balance Sheet

gross NPA ratio0.00%Q2 FY25-26NL-20-ANALYTICAL-RATIOS
net NPA ratio0.00%Q2 FY25-26NL-20-ANALYTICAL-RATIOS
technical reserves to premium ratio5.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Other

motor tp combined ratio185.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
engineering combined ratio-38.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health combined ratio140.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident combined ratio38.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od combined ratio-692.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire combined ratio8.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire incurred claims ratio1.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od incurred claims ratio-739.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
engineering incurred claims ratio0.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health incurred claims ratio109.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident incurred claims ratio8.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp incurred claims ratio116.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Data from IRDAI public disclosures. Click a metric name for full history and provenance.

Compare & Reports

Navi General Insurance financial performance — quarterly ratios →

Navi General Insurance underwriting performance — by segment →

Navi General Insurance revenue mix & quality of business →

Compare Navi General Insurance against another general insurer →

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