Tata AIG General Insurance — Revenue Mix & Quality of Business

Tata AIG General Insurance's revenue mix was led by Motor at 39.5% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.

combined ratio, Q1 FY26-27

111.0%

−4.0 pts

incurred claims ratio, Q1 FY26-27

74.0%

+4.0 pts

net commission ratio, Q1 FY26-27

20.0%

−8.0 pts

expense ratio to gross premium, Q1 FY26-27

32.0%

+1.0 pts

Total gross direct premium, Q1 FY26-27

₹6,44,316 lakh

+39.5%

Largest line, Q1 FY26-27

Motor

39.5% 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

FY22-23

FY23-24

FY25-26

Fire

11.8%

6.3%

6.4%

11.8%

14.4%

13.8%

10.5%

Marine

4.0%

3.9%

4.4%

4.0%

5.2%

4.5%

4.3%

Marine segments (2)

Line	Q1 FY26-27	FY25-26
Marine Cargo	₹25,413 lakh	₹75,071 lakh
Marine Hull	₹588 lakh	₹7,024 lakh

Motor

39.5%

55.6%

56.9%

46.9%

51.2%

49.6%

51.3%

Motor segments (2)

Line	Q1 FY26-27	FY25-26
Motor TP	₹1,31,029 lakh	₹5,23,330 lakh
Motor OD	₹1,23,579 lakh	₹4,57,178 lakh

Health

32.0%

28.0%

22.6%

22.9%

21.2%

20.9%

24.1%

Health segments (3)

Line	Q1 FY26-27	FY25-26
Health	₹1,84,202 lakh	₹3,86,866 lakh
Travel	₹15,212 lakh	₹49,890 lakh
Personal Accident	₹6,838 lakh	₹23,567 lakh

Other lines

12.6%

6.2%

9.7%

14.4%

8.0%

11.2%

9.9%

Other lines segments (6)

Line	Q1 FY26-27	FY25-26
Liability	₹33,611 lakh	₹74,757 lakh
Other	₹20,479 lakh	—
Engineering	₹15,485 lakh	₹41,663 lakh
Aviation	₹9,368 lakh	₹18,201 lakh
Workmen's Comp.	₹2,435 lakh	₹8,766 lakh
Crop	₹5 lakh	₹45,978 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.