United India Insurance — Financial Performance
United India Insurance's combined ratio was 139.1% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
Quarterly financial ratios — Q1 FY25-26 to Q1 FY26-27
| Metric | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | Q1 FY25-26 |
|---|---|---|---|---|---|
| incurred claims ratio | 103.6%−2.0 pts | 101.4% | 98.2% | 103.8% | 105.7% |
| net commission ratio | 18.3%+2.0 pts | 16.4% | 16.8% | 16.8% | 16.2% |
| expense ratio to gross premium | 27.3%+1.5 pts | 38.6% | 47.0% | 52.2% | 25.8% |
| combined ratio | 139.1%+4.0 pts | 144.5% | 151.7% | 163.8% | 135.1% |
| solvency ratio | -1.49× | Not disclosed | Not disclosed | Not disclosed | Not disclosed |
| profit before tax | ₹-809 crore+5.8% | ₹-828 crore | ₹102 crore | ₹-3,298 crore | ₹-860 crore |
| profit after tax | ₹-809 crore+0.9% | ₹-845 crore | ₹120 crore | ₹-3,297 crore | ₹-817 crore |
The small figure under each number is the change from the same quarter a year earlier — in percentage points for ratios, as a percentage change for profit before/after tax. Shown only where this insurer has a filing from exactly that quarter a year ago; no figure means that comparison isn't available, not that nothing changed.
Expense ratio shown on a gross-direct-premium basis (GDP), per IRDAI's 2021 reform — not directly comparable to an insurer's net-written-premium (NWP) basis figure if quoted elsewhere. "Not disclosed" means this insurer's filing for that quarter didn't include this figure — not an estimate.
Full-year financial ratios
These are the insurer's own full-year figures, as filed with IRDAI for the whole fiscal year — not the same as adding up four quarters, since each quarter's own number above is a standalone snapshot for that quarter alone.
| Metric | FY25-26 |
|---|---|
| incurred claims ratio | 101.4% |
| net commission ratio | 16.4% |
| expense ratio to gross premium | 38.6% |
| combined ratio | 144.5% |
Provenance (combined ratio, latest quarter)
- Reported by
- United India Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · United India Insurance's disclosure page
- Extracted by
- EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)
- Last verified
- 2026-10-26
- Note
- Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.