United India Insurance — Revenue Mix & Quality of Business
United India Insurance's revenue mix was led by Motor at 42.9% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
139.1%
+4.0 pts
incurred claims ratio, Q1 FY26-27
103.6%
−2.0 pts
net commission ratio, Q1 FY26-27
18.3%
+2.0 pts
expense ratio to gross premium, Q1 FY26-27
27.3%
+1.5 pts
Total gross direct premium, Q1 FY26-27
₹5,46,208 lakh
−0.6%
Largest line, Q1 FY26-27
Motor
42.9% 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
11.3%
7.1%
9.1%
9.9%
9.9%
Marine
2.2%
1.7%
1.8%
2.8%
2.0%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹6,765 lakh
₹19,283 lakh
Marine Hull
₹5,184 lakh
₹21,909 lakh
Motor
42.9%
38.5%
49.6%
44.5%
43.2%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹1,87,028 lakh
₹7,12,688 lakh
Motor OD
₹47,468 lakh
₹1,89,783 lakh
Health
39.2%
48.5%
34.9%
38.5%
40.7%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹2,06,119 lakh
₹7,83,294 lakh
Personal Accident
₹7,681 lakh
₹66,012 lakh
Travel
₹116 lakh
₹340 lakh
Other lines
4.4%
4.2%
4.6%
4.4%
4.3%
Other lines segments (5)
Line
Q1 FY26-27
FY25-26
Engineering
₹12,861 lakh
₹56,178 lakh
Liability
₹8,837 lakh
₹21,255 lakh
Workmen's Comp.
₹1,922 lakh
₹7,128 lakh
Aviation
₹542 lakh
₹3,346 lakh
Crop
₹0 lakh
₹933 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.