Zuno General Insurance — Revenue Mix & Quality of Business
Zuno General Insurance's revenue mix was led by Motor at 53.2% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
115.0%
−15.0 pts
incurred claims ratio, Q1 FY26-27
81.0%
−5.0 pts
net commission ratio, Q1 FY26-27
10.0%
−2.0 pts
expense ratio to gross premium, Q1 FY26-27
31.0%
−7.0 pts
Total gross direct premium, Q1 FY26-27
₹40,173 lakh
+61.7%
Largest line, Q1 FY26-27
Motor
53.2% 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
3.7%
1.2%
3.3%
6.5%
4.5%
Marine
0.3%
0.0%
0.0%
0.2%
0.1%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹104 lakh
₹121 lakh
Marine Hull
₹0 lakh
—
Motor
53.2%
68.8%
63.1%
53.8%
62.3%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹11,217 lakh
₹33,237 lakh
Motor TP
₹10,171 lakh
₹38,812 lakh
Health
36.1%
20.7%
33.0%
38.9%
32.7%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹12,044 lakh
₹35,769 lakh
Personal Accident
₹2,430 lakh
₹1,821 lakh
Travel
₹40 lakh
₹177 lakh
Other lines
6.7%
9.2%
0.6%
0.6%
0.4%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Other
₹2,472 lakh
—
Engineering
₹121 lakh
₹463 lakh
Liability
₹91 lakh
₹16 lakh
Workmen's Comp.
₹1 lakh
₹3 lakh
Aviation
₹0 lakh
—
Crop
₹0 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.