Universal Sompo General Insurance — Financial Performance
Universal Sompo General Insurance's combined ratio was 104.3% 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 | 80.4%+13.0 pts | 80.1% | 74.3% | 70.2% | 67.3% |
| net commission ratio | 10.4%−0.7 pts | 7.8% | 11.6% | 9.0% | 11.0% |
| expense ratio to gross premium | 28.7%+3.8 pts | 26.7% | 27.4% | 21.5% | 24.9% |
| combined ratio | 104.3%+6.1 pts | 99.1% | 99.0% | 93.2% | 98.2% |
| solvency ratio | Not disclosed | Not disclosed | Not disclosed | Not disclosed | Not disclosed |
| profit before tax | ₹55 crore−26.7% | ₹74 crore | ₹63 crore | ₹90 crore | ₹75 crore |
| profit after tax | ₹41 crore−26.9% | ₹56 crore | ₹47 crore | ₹67 crore | ₹56 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 | 74.0% |
| net commission ratio | 9.7% |
| expense ratio to gross premium | 25.2% |
| combined ratio | 97.8% |
Provenance (combined ratio, latest quarter)
- Reported by
- Universal Sompo General Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- textplor-vendor-2026-27-Q1.xlsx · Universal Sompo General 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.