Universal Sompo General Insurance — Underwriting Performance
Universal Sompo General Insurance: Motor TP led at 36.3% of gross direct premium (₹61,853 lakh) for Q1 FY26-27, per 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 segment, Q1 FY26-27
Motor TP
36.3% of gross direct premium
Business mix by segment — Q1 FY26-27
Classification
Gross direct premium
Share of business
Retail
₹1,06,048 lakh
62.3%
Retail segments (2)
Motor TP
₹61,853 lakh
58.3%
Motor OD
₹44,195 lakh
41.7%
Hybrid
₹41,553 lakh
24.4%
Hybrid segments (3)
Health
₹34,439 lakh
82.9%
Personal Accident
₹6,636 lakh
16.0%
Travel
₹478 lakh
1.2%
Commercial
₹22,618 lakh
13.3%
Commercial segments (7)
Fire
₹9,563 lakh
42.3%
Marine Hull
₹7,138 lakh
31.6%
Marine Cargo
₹2,242 lakh
9.9%
Crop
₹2,057 lakh
9.1%
Liability
₹867 lakh
3.8%
Engineering
₹664 lakh
2.9%
Workmen's Comp.
₹87 lakh
0.4%
Grand total
₹1,70,219 lakh
100%
Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — click through to the full per-segment breakdown below for the underlying filed detail, or the combined ratio & ICR by segment table further down for each segment's own profitability ratios.
Gross direct premium by segment — full detail, Q2 FY25-26 to Q1 FY26-27
Segment
Q1 FY26-27
Q4 FY25-26
Q3 FY25-26
Q2 FY25-26
% of total, Q1 FY26-27
Fire GDP
₹9,563 lakh
₹5,264 lakh
₹6,185 lakh
₹3,588 lakh
5.6%
Marine Cargo GDP
₹2,242 lakh
₹708 lakh
₹866 lakh
₹840 lakh
1.3%
Marine Hull GDP
₹7,138 lakh
₹452 lakh
₹837 lakh
₹718 lakh
4.2%
Motor OD GDP
₹44,195 lakh
₹44,648 lakh
₹48,307 lakh
₹37,082 lakh
26.0%
Motor TP GDP
₹61,853 lakh
₹64,019 lakh
₹65,837 lakh
₹46,824 lakh
36.3%
Health GDP
₹34,439 lakh
₹15,030 lakh
₹25,768 lakh
₹34,423 lakh
20.2%
Personal Accident GDP
₹6,636 lakh
₹4,665 lakh
₹1,950 lakh
₹2,299 lakh
3.9%
Travel GDP
₹478 lakh
₹564 lakh
₹793 lakh
₹475 lakh
0.3%
Workmen's Comp. GDP
₹87 lakh
₹50 lakh
₹45 lakh
₹53 lakh
0.1%
Liability GDP
₹867 lakh
₹932 lakh
₹272 lakh
₹461 lakh
0.5%
Engineering GDP
₹664 lakh
₹422 lakh
₹330 lakh
₹426 lakh
0.4%
Aviation GDP
Not disclosed
Not disclosed
Not disclosed
Not disclosed
—
Crop GDP
₹2,057 lakh
₹16,422 lakh
₹5,884 lakh
₹23,207 lakh
1.2%
Other GDP
Not disclosed
Not disclosed
Not disclosed
Not disclosed
—
Total gross direct premium
₹1,70,219 lakh
₹1,53,176 lakh
₹1,57,074 lakh
₹1,50,396 lakh
100%
Gross direct premium (not net earned premium) per IRDAI Form NL-4 (Premium Schedule), "for the quarter" column — these are standalone quarterly amounts, not running year-to-date totals. Segment-level net incurred claims in absolute rupees aren't shown here: IRDAI's segment-level claims filing (Form NL-5) hasn't been extracted for this insurer yet — see the combined ratio & ICR table below for the ratio form of this, sourced from NL-20.
Combined ratio & ICR by segment — Q1 FY26-27
Segment
ICR
Combined ratio
Fire
-241.8%
-286.4%
Marine Cargo
113.6%
143.2%
Marine Hull
22.2%
-881.7%
Motor OD
102.0%
149.2%
Motor TP
65.8%
77.5%
Health
71.0%
87.1%
Personal Accident
74.3%
89.3%
Travel
5.5%
169.0%
Workmen's Comp.
68.5%
96.4%
Liability
-2.9%
26.4%
Engineering
26.0%
73.3%
Aviation
0.0%
0.0%
Crop
83.5%
148.0%
Per IRDAI Form NL-20 (Analytical Ratios Schedule)'s own segmental breakdown, latest quarter only — this granularity isn't reliably available as a multi-quarter trend across insurers. Combined ratio here can legitimately differ from a simple "ICR + expense" sum when a segment's own expense-to-net-written-premium ratio is unusually negative or positive for the quarter — reported exactly as filed, not recalculated.
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.