Shriram General Insurance — Revenue Mix & Quality of Business
Shriram General Insurance's revenue mix was led by Motor at 91.5% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
104.7%
−3.8 pts
incurred claims ratio, Q1 FY26-27
68.7%
−6.2 pts
net commission ratio, Q1 FY26-27
25.6%
+4.2 pts
expense ratio to gross premium, Q1 FY26-27
33.7%
+1.9 pts
Total gross direct premium, Q1 FY26-27
₹1,17,981 lakh
+22.8%
Largest line, Q1 FY26-27
Motor
91.5% 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
1.7%
1.0%
1.5%
2.3%
2.0%
Marine
0.2%
0.1%
0.1%
0.1%
0.1%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹218 lakh
₹443 lakh
Marine Hull
₹0 lakh
—
Motor
91.5%
94.8%
93.9%
93.5%
93.6%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹78,711 lakh
₹3,22,079 lakh
Motor OD
₹29,251 lakh
₹1,07,222 lakh
Health
4.7%
3.3%
3.7%
3.3%
3.4%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Personal Accident
₹4,253 lakh
₹13,996 lakh
Health
₹1,266 lakh
₹1,750 lakh
Travel
₹0 lakh
₹0.16 lakh
Other lines
2.0%
0.8%
0.8%
0.9%
0.9%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Other
₹1,141 lakh
—
Engineering
₹850 lakh
₹2,906 lakh
Workmen's Comp.
₹177 lakh
₹712 lakh
Liability
₹145 lakh
₹412 lakh
Aviation
₹0 lakh
—
Crop
₹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.