Oriental Insurance Company — Revenue Mix & Quality of Business
The Oriental Insurance Company's revenue mix was led by Health at 70.2% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
11,916.0%
+11800.5 pts
incurred claims ratio, Q1 FY26-27
10,011.0%
+9911.7 pts
net commission ratio, Q1 FY26-27
766.0%
+760.0 pts
expense ratio to gross premium, Q1 FY26-27
15.5%
+2.1 pts
Total gross direct premium, Q1 FY26-27
₹6,28,172 lakh
+4.8%
Largest line, Q1 FY26-27
Health
70.2% 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
7.1%
6.2%
6.8%
9.5%
8.9%
Marine
3.3%
2.5%
2.2%
2.4%
2.6%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹11,763 lakh
₹26,576 lakh
Marine Hull
₹8,707 lakh
₹27,413 lakh
Motor
14.2%
25.7%
23.4%
18.7%
21.0%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹61,082 lakh
₹2,96,212 lakh
Motor OD
₹28,024 lakh
₹1,45,300 lakh
Health
70.2%
55.1%
57.8%
64.0%
59.8%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Personal Accident
₹2,20,939 lakh
₹3,75,253 lakh
Health
₹2,20,179 lakh
₹8,81,232 lakh
Travel
₹0 lakh
₹0 lakh
Other lines
5.2%
10.5%
9.8%
5.5%
7.8%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Other
₹12,943 lakh
₹37,902 lakh
Engineering
₹11,513 lakh
₹52,965 lakh
Aviation
₹3,844 lakh
₹19,712 lakh
Liability
₹2,838 lakh
₹11,275 lakh
Workmen's Comp.
₹1,417 lakh
₹5,306 lakh
Crop
₹34 lakh
₹37,456 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.