General Insurance Corporation of India Q1 results, quarter to Jun 2026
NSE: GICREBSE: 540755InsuranceMid Cap
Face value ₹5 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Oct 2017 · Issue price ₹912
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- Next results date: the board meets on 30 Oct 2026 to consider: financial results and other business matters. The notice · Results calendar
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹56,544 Cr162nd largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 6.35
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.93
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 4.11%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 15.8%
- SolvencySolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. At the end of Jun 2026. For the company alone, not its group: the regulator measures it company by company. Solvency ratio in the glossary
- 4.32times the capital required
- Gross premiumGross premium. Premium on the policies sold and renewed in the period, before the part passed on to reinsurers: a general insurer's gross premiums written, a life insurer's gross premium income. For the year to Mar 2026. For the whole group.
- ₹44,368 Cr
- Combined ratioCombined ratio. Claims plus expenses as a percentage of premium, as the general insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told. For the year to Mar 2026. For the whole group. Combined ratio in the glossary
- 104.66%
- Claims ratioClaims ratio. Claims incurred as a percentage of premium earned, as the general insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026. For the whole group. Claims ratio in the glossary
- 83.83%
- Expense ratioExpense ratio. The costs of running the insurance business, commission included, as a percentage of premium, as the insurer states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the filing's own amounts show it written on another scale or rounded to the whole per cent. For the year to Mar 2026. For the whole group. Expense ratio in the glossary
- 1.10%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 8,13,76262.0% delivered
General Insurance Corporation of India filed its Q1 results for the quarter to Jun 2026 on 13 Aug 2026 at 3:45 pm, standalone: the listed company alone, without its subsidiaries.
Q1 results, quarter to Jun 2026
₹ crore.General Insurance Corporation of India annual results and balance sheet
- Gross premiumGross premium. Premium on the policies sold and renewed in the period, before the part passed on to reinsurers: a general insurer's gross premiums written, a life insurer's gross premium income. Gross premium in the glossary
- ₹13,475 Cr
- Net profitNet profit. What is left of revenue and other income after every cost, interest and tax. Net profit in the glossary
- ₹1,922 Cr+9.7% on a year ago · −14.7% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Earnings per shareEarnings per share. Profit belonging to shareholders divided by the number of shares, restated for later splits and bonuses so they do not break the line. Earnings per share in the glossary
- ₹10.96+9.7% on a year ago · −14.7% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, on the quarter before wherever the profit of that quarter was restated, and across a change of basis named under the table, on the lines it affects.
- Net premiumNet premium. Gross premium − the part passed on to reinsurers: the premiums the insurer keeps, for the period. Net premium in the glossary
- ₹12,664 Cr
General Insurance Corporation of India results by quarter
Standalone: the listed company alone, without its subsidiaries. Latest quarter to Jun 2026. Results for the quarter to Sep 2026 are due by 14 Nov 2026, 45 days after it ends. Every company's dates are on the results calendar.Results filings and date
Gross premium and net profit by quarter, ₹ crore
- Gross premium
- Net profit
| ₹ crore | Sep 2021 | Dec 2021Q3 | Mar 2022 | Jun 2022Q1 | Sep 2022 | Dec 2022Q3 | Mar 2023 | Jun 2023Q1 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024Q2 | Dec 2024Q3 | Mar 2025Q4 | Jun 2025Q1 | Sep 2025Q2 | Dec 2025Q3 | Mar 2026Q4 | Jun 2026Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross premium | 8,375 | 10,240 | 10,304 | 11,022 | 8,101 | 10,099 | 7,370 | 8,918 | 10,762 | 8,778 | 8,724 | 12,406 | 8,413 | 9,968 | 10,367 | 12,388 | 9,602 | 10,987 | 11,030 | 13,475 |
| Net premium | 7,451 | 9,333 | 9,081 | 10,494 | 7,355 | 9,561 | 6,235 | 8,231 | 9,967 | 7,853 | 7,904 | 11,539 | 7,604 | 9,281 | 9,421 | 11,636 | 8,663 | 10,355 | 9,917 | 12,664 |
| Premium earned | 10,410 | 8,907 | 8,622 | 10,736 | 8,764 | 8,649 | 7,659 | 8,633 | 9,958 | 7,758 | 7,227 | 10,064 | 8,847 | 8,540 | 8,680 | 11,088 | 8,925 | 9,580 | 9,785 | 11,081 |
| Income from investmentsIncome from investments. Income from the insurer's investments, net of their costs, for the period. Income from investments in the glossary | 2,075 | 1,838 | 2,025 | 1,465 | 2,436 | 1,870 | 1,749 | 1,747 | 2,233 | 2,157 | 1,948 | 1,919 | 2,442 | 1,703 | 2,650 | 2,261 | 2,543 | 1,880 | 1,929 | 2,171 |
| 9,596 | 10,858 | 4,334 | 10,169 | 8,543 | 8,381 | 5,646 | 8,205 | 9,795 | 7,998 | 4,982 | 9,034 | 8,285 | 7,500 | 7,134 | 10,026 | 7,274 | 8,425 | 7,902 | 9,424 | |
| PaidClaims paid. Claims the general insurer paid out in the period, net of what reinsurers bore; given only where claims paid and the change in claims still to pay add to the claims incurred. Claims paid in the glossary | 6,314 | 7,346 | 9,310 | 6,475 | 5,479 | 6,989 | 7,524 | 7,219 | 6,737 | 6,807 | 5,915 | 7,458 | 4,867 | 6,922 | 6,942 | 7,906 | 5,343 | 6,992 | 6,896 | 7,287 |
| Change in claims still to payChange in claims still to pay. The rise, or fall, over the period in claims made and not yet settled; given only where claims paid and the change in claims still to pay add to the claims incurred. Change in claims still to pay in the glossary | 3,282 | 3,511 | −4,975 | 3,694 | 3,064 | 1,392 | −1,878 | 987 | 3,058 | 1,192 | −933 | 1,576 | 3,418 | 578 | 192 | 2,120 | 1,931 | 1,433 | 1,006 | 2,137 |
| Commission | 2,161 | 377 | 2,003 | 1,656 | 1,425 | 1,706 | 824 | 1,841 | 1,654 | 1,261 | 1,491 | 2,197 | 1,494 | 1,772 | 1,910 | 1,849 | 2,236 | 1,719 | 2,167 | 2,387 |
| Provision for doubtful debtsProvision for doubtful debts. Amounts the insurer set aside in the period for money owed to it that may not be paid; not given where it is the same figure as a claims or benefits line of the same statement. Provision for doubtful debts in the glossary | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Provision for fall in investment valueProvision for fall in investment value. Amounts the insurer set aside in the period for investments worth less than they are held at; not given where it is the same figure as a claims or benefits line of the same statement. Provision for fall in investment value in the glossary | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Underwriting profitUnderwriting profit. The general insurer's premium earned − claims, commission and running costs, for the period, as stated: what the insurance business made before investment income. Underwriting profit in the glossary | −1,413 | −2,393 | 2,104 | −1,127 | −1,272 | −1,581 | 1,042 | −1,498 | −1,587 | −1,606 | 588 | −1,270 | −980 | −819 | −426 | −910 | −751 | −649 | −362 | −801 |
| Operating profitOperating profit. The general insurer's underwriting profit + income from investments + other income, for the period, as its revenue account states it. Operating profit in the glossary | 677 | −534 | 4,339 | 689 | 1,517 | 332 | 2,642 | 189 | 761 | 609 | 2,518 | 631 | 1,353 | 1,121 | 2,258 | 1,353 | 2,156 | 1,328 | 2,013 | 1,448 |
| Profit before tax | 1,214 | −102 | 3,615 | 989 | 2,461 | 1,295 | 3,004 | 935 | 1,848 | 1,924 | 3,171 | 1,393 | 2,281 | 2,169 | 2,923 | 2,244 | 3,473 | 2,117 | 2,960 | 2,490 |
| Tax | 203 | −73 | 1,819 | 299 | 601 | 96 | 440 | 203 | 243 | 406 | 529 | 357 | 420 | 547 | 740 | 491 | 606 | 598 | 706 | 568 |
| Net profit | 1,011 | −28 | 1,795 | 690 | 1,860 | 1,199 | 2,564 | 732 | 1,605 | 1,518 | 2,642 | 1,036 | 1,861 | 1,621 | 2,183 | 1,752 | 2,867 | 1,519 | 2,254 | 1,922 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | ₹5.76 | −₹0.16 | ₹10.23 | ₹3.93 | ₹10.60 | ₹6.83 | ₹14.61 | ₹4.17 | – | – | ₹15.06 | ₹5.91 | – | ₹9.24 | ₹12.44 | ₹9.99 | ₹16.34 | ₹8.66 | ₹12.85 | ₹10.96 |
Earnings per share in rupees, restated for later splits and bonuses.
| Figure | Sep 2021 | Dec 2021Q3 | Mar 2022 | Jun 2022Q1 | Sep 2022 | Dec 2022Q3 | Mar 2023 | Jun 2023Q1 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024Q2 | Dec 2024Q3 | Mar 2025Q4 | Jun 2025Q1 | Sep 2025Q2 | Dec 2025Q3 | Mar 2026Q4 | Jun 2026Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solvency, times the required capitalSolvency ratio. The capital the insurer holds ÷ the capital the regulator requires it to hold, as the insurer states it; insurers write it in different ways, so it is read as the one multiple between 1 and 5 it can be, and not given outside that. | 1.88 | 1.80 | 1.96 | 2.14 | 2.25 | 2.38 | 2.61 | 2.88 | 2.83 | 2.94 | 3.25 | 3.36 | 3.00 | 4.00 | 3.70 | 3.85 | 3.85 | 3.87 | 4.21 | 4.32 |
| Held by the governmentGovernment holding. The share of the company the government holds, as the company states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, or where it is 0 and the shareholding pattern for the same date does not confirm the government holds none. Government holding in the glossary | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 85.78% | 0.82% | 0.82% | 82.40% | 82.40% | 82.40% | 82.40% | 82.40% | 77.40% |
| Bad investments in the policyholders' fund. Bonds and loans held for policyholders whose interest or repayment has stopped, at the amount still owed; for a life insurer, its four policyholders' funds added; a 0 is not given, since the statement writes 0 for a figure it leaves out too. Bad investments in the policyholders' fund in the glossaryThe lines under it are parts of it, not all of it. | 1,746 | 1,608 | 1,604 | 1,602 | 1,601 | 16 | 1,549 | 1,461 | 1,460 | 1,372 | 1,371 | 0 | 1,369 | 14 | 895 | 9 | 9 | 0 | 844 | 839 |
| After provisionsBad investments in the policyholders' fund, after provisions. Those bonds and loans less the amounts already set aside against them; for a life insurer, its four policyholders' funds added; a 0 is not given, since the statement writes 0 for a figure it leaves out too, and not given where it is above the gross figure. Bad investments in the policyholders' fund, after provisions in the glossary | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 1 | 1 | 0 | – | – | – | – | – | – | – | – | – | – |
Solvency is the capital the insurer holds, in times the capital the regulator requires; the government's holding is a per cent of its shares; bad investments are in ₹ crore. After provisions is left blank for the years to Mar 2024, Jun 2024, Sep 2024, Dec 2024, Mar 2025, Jun 2025, Sep 2025, Dec 2025, Mar 2026 and Jun 2026: the filing states 0, which this form also writes for a line it does not fill, and nothing else in the filing confirms a nil.