Reliance General Insurance — Revenue Mix & Quality of Business
Reliance General Insurance's revenue mix was led by Health at 40.9% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
121.2%
+5.7 pts
incurred claims ratio, Q1 FY26-27
88.2%
+6.1 pts
net commission ratio, Q1 FY26-27
17.6%
+3.2 pts
expense ratio to gross premium, Q1 FY26-27
29.0%
−0.1 pts
Total gross direct premium, Q1 FY26-27
₹2,95,509 lakh
−11.4%
Largest line, Q1 FY26-27
Health
40.9% 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
14.3%
3.6%
6.8%
6.5%
9.8%
Marine
2.2%
0.7%
1.7%
0.9%
1.2%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹6,348 lakh
₹13,589 lakh
Marine Hull
₹10 lakh
₹1,302 lakh
Motor
31.0%
48.0%
51.5%
32.0%
39.3%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹46,620 lakh
₹2,32,304 lakh
Motor TP
₹45,046 lakh
₹2,44,652 lakh
Health
40.9%
20.1%
19.2%
21.7%
23.3%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹1,10,935 lakh
₹2,25,367 lakh
Personal Accident
₹5,532 lakh
₹39,594 lakh
Travel
₹4,266 lakh
₹18,168 lakh
Other lines
11.7%
27.7%
20.9%
38.9%
26.4%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Crop
₹14,565 lakh
₹2,68,715 lakh
Engineering
₹13,739 lakh
₹42,806 lakh
Other
₹3,269 lakh
—
Liability
₹2,398 lakh
₹6,483 lakh
Workmen's Comp.
₹599 lakh
₹2,273 lakh
Aviation
₹50 lakh
₹227 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.