Universal Sompo General Insurance — Revenue Mix & Quality of Business
Universal Sompo General Insurance's revenue mix was led by Motor at 62.3% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
104.3%
+6.1 pts
incurred claims ratio, Q1 FY26-27
80.4%
+13.0 pts
net commission ratio, Q1 FY26-27
10.4%
−0.7 pts
expense ratio to gross premium, Q1 FY26-27
28.7%
+3.8 pts
Total gross direct premium, Q1 FY26-27
₹1,70,219 lakh
+32.5%
Largest line, Q1 FY26-27
Motor
62.3% 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
5.6%
3.4%
3.9%
2.4%
5.7%
Marine
5.5%
0.8%
1.1%
1.0%
1.2%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Hull
₹7,138 lakh
₹2,822 lakh
Marine Cargo
₹2,242 lakh
₹3,894 lakh
Motor
62.3%
70.9%
72.7%
55.8%
67.3%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor TP
₹61,853 lakh
₹2,08,353 lakh
Motor OD
₹44,195 lakh
₹1,57,464 lakh
Health
24.4%
13.2%
18.2%
24.7%
24.9%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹34,439 lakh
₹1,17,849 lakh
Personal Accident
₹6,636 lakh
₹15,317 lakh
Travel
₹478 lakh
₹2,301 lakh
Other lines
2.2%
11.6%
4.2%
16.1%
0.8%
Other lines segments (4)
Line
Q1 FY26-27
FY25-26
Crop
₹2,057 lakh
—
Liability
₹867 lakh
₹2,654 lakh
Engineering
₹664 lakh
₹1,576 lakh
Workmen's Comp.
₹87 lakh
₹214 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.