Navi General Insurance — Revenue Mix & Quality of Business
Navi General Insurance's revenue mix was led by Health at 82.6% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
128.0%
−10.0 pts
incurred claims ratio, Q1 FY26-27
92.0%
−19.0 pts
net commission ratio, Q1 FY26-27
6.0%
+2.0 pts
expense ratio to gross premium, Q1 FY26-27
35.0%
+10.0 pts
Total gross direct premium, Q1 FY26-27
₹5,639 lakh
+66.2%
Largest line, Q1 FY26-27
Health
82.6% 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
-0.3%
-0.3%
-0.4%
-0.9%
-0.5%
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
17.6%
25.0%
12.8%
1.4%
13.0%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹816 lakh
₹1,778 lakh
Motor OD
₹178 lakh
₹71 lakh
Health
82.6%
75.3%
87.6%
99.6%
87.5%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹4,470 lakh
₹8,999 lakh
Personal Accident
₹190 lakh
₹3,425 lakh
Travel
₹0 lakh
₹0 lakh
Other lines
0.0%
0.0%
0.0%
0.0%
0.0%
Other lines segments (5)
Line
Q1 FY26-27
FY25-26
Workmen's Comp.
₹0 lakh
₹0 lakh
Liability
₹0 lakh
₹0 lakh
Engineering
₹0 lakh
₹0 lakh
Aviation
₹0 lakh
₹0 lakh
Crop
₹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.