Zurich Kotak General Insurance — Revenue Mix & Quality of Business
Zurich Kotak General Insurance's revenue mix was led by Motor at 39.2% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
132.0%
+10.0 pts
incurred claims ratio, Q1 FY26-27
86.0%
+3.0 pts
net commission ratio, Q1 FY26-27
21.0%
+6.0 pts
expense ratio to gross premium, Q1 FY26-27
37.0%
+3.0 pts
Total gross direct premium, Q1 FY26-27
₹62,492 lakh
+8.8%
Largest line, Q1 FY26-27
Motor
39.2% 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
10.2%
21.9%
9.7%
7.2%
12.8%
Marine
5.3%
5.0%
2.3%
1.4%
2.7%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹3,288 lakh
₹5,816 lakh
Marine Hull
₹0 lakh
₹0 lakh
Motor
39.2%
39.6%
47.9%
49.8%
44.1%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹12,994 lakh
₹49,372 lakh
Motor TP
₹11,513 lakh
₹46,240 lakh
Health
33.7%
27.0%
29.9%
35.6%
36.2%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹19,221 lakh
₹71,171 lakh
Personal Accident
₹1,622 lakh
₹7,074 lakh
Travel
₹229 lakh
₹246 lakh
Other lines
11.6%
6.5%
10.2%
6.0%
4.3%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Liability
₹4,210 lakh
₹4,965 lakh
Other
₹1,807 lakh
—
Engineering
₹970 lakh
₹3,878 lakh
Workmen's Comp.
₹278 lakh
₹499 lakh
Aviation
₹0 lakh
₹0 lakh
Crop
₹0 lakh
₹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.