Oriental Insurance Company — Financial Performance
The Oriental Insurance Company's combined ratio was 11916.0% 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 | 10,011.0%+9911.7 pts | 124.6%+26.2 pts | 121.7%+21.5 pts | 109.9%+10.7 pts | 99.3%−6.0 pts |
| net commission ratio | 766.0%+760.0 pts | 10.8%+4.1 pts | 8.5%+2.3 pts | 6.8%+1.5 pts | 6.0%+2.9 pts |
| expense ratio to gross premium | 15.5%+2.1 pts | 15.4%−13.1 pts | 54.5%+38.7 pts | 14.6%−6.8 pts | 13.3%−1.5 pts |
| combined ratio | 11,916.0%+11800.5 pts | 141.7%+11.1 pts | 200.1%+81.2 pts | 127.6%+4.7 pts | 115.5%−3.8 pts |
| solvency ratio | -1.70×−0.69× | -1.63×−0.60× | -1.52×−0.47× | -1.01×+0.01× | -1.01×+0.02× |
| profit before tax | ₹-340 crore−365.3% | ₹-1,257 crore | ₹-3,048 crore | ₹87 crore | ₹-73 crore |
| profit after tax | ₹-340 crore−365.3% | ₹-1,024 crore | ₹-3,052 crore | ₹87 crore | ₹-73 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.
Full-year financial ratios
These are the insurer's own full-year figures, as filed with IRDAI for the whole fiscal year — not the same as adding up four quarters, since each quarter's own number above is a standalone snapshot for that quarter alone.
| Metric | FY25-26 | FY23-24 | FY22-23 | FY21-22 |
|---|---|---|---|---|
| incurred claims ratio | 113.3% | 98.9% | 112.1% | 110.8% |
| net commission ratio | 7.9% | 5.4% | 6.6% | 7.5% |
| expense ratio to gross premium | 26.1% | 21.0% | 38.9% | 30.1% |
| combined ratio | 145.7% | 121.4% | 154.6% | 144.3% |
Provenance (combined ratio, latest quarter)
- Reported by
- Oriental Insurance Company
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- nl_20_7b503eba88.pdf · Oriental Insurance Company's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-26
- Note
- NL-20 row-format label match: combined_ratio