Royal Sundaram General Insurance — Revenue Mix & Quality of Business
Royal Sundaram General Insurance's revenue mix was led by Motor at 51.5% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
116.3%
+6.1 pts
incurred claims ratio, Q1 FY26-27
86.0%
+5.4 pts
net commission ratio, Q1 FY26-27
19.3%
+0.5 pts
expense ratio to gross premium, Q1 FY26-27
28.7%
+0.7 pts
Total gross direct premium, Q1 FY26-27
₹1,27,875 lakh
+10.9%
Largest line, Q1 FY26-27
Motor
51.5% 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
8.2%
6.5%
6.3%
7.1%
8.6%
Marine
2.1%
1.7%
1.8%
1.7%
1.8%
Marine segments (1)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹2,622 lakh
₹7,873 lakh
Motor
51.5%
64.5%
71.0%
67.4%
62.7%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹40,596 lakh
₹1,81,527 lakh
Motor OD
₹25,303 lakh
₹92,391 lakh
Health
35.5%
24.1%
18.2%
21.0%
24.1%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹42,686 lakh
₹97,865 lakh
Personal Accident
₹2,622 lakh
₹7,382 lakh
Travel
₹41 lakh
₹160 lakh
Other lines
2.8%
3.1%
2.6%
2.8%
2.7%
Other lines segments (3)
Line
Q1 FY26-27
FY25-26
Engineering
₹2,550 lakh
₹9,063 lakh
Liability
₹550 lakh
₹1,240 lakh
Workmen's Comp.
₹456 lakh
₹1,695 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.