The New India Assurance Co Ltd (BOM:540769)

Q4 2025 New India Assurance Company Ltd Earnings Call Transcript

May 21, 2025 / 10:30 AM GMT

Release Date Price: ₹178.95 (+2.61%)

Transcript

Key Points

Positve

The New India Assurance Co Ltd (NSE:NIACL) reported a significant improvement in its combined ratio, reducing it from 119.88% to 116.78%, indicating better operational efficiency.
The company achieved a stable solvency ratio of 1.991, up from 1.81, reflecting a strong financial position.
Digital transformation initiatives have been successful, with a growing number of customers opting for digital channels to purchase policies and settle claims.
The company maintained its market leadership in the general insurance sector with a market share of 12.6%.
The New India Assurance Co Ltd (NSE:NIACL) has received high credit ratings, including a CRISIL AAA stable rating and an AM Best B++ good rating, indicating strong financial stability.

Negative

Net profit after tax decreased to INR 988 crores in FY25 from INR 1,129 crores in FY24, indicating a decline in profitability.
The underwriting loss remains significant, although it has reduced by 11% compared to the previous year.
The company's return on equity (ROE) is relatively low at 4.66%, which is below industry expectations.
The motor third-party (TP) business remains a challenge due to mandated pricing, impacting overall profitability.
The company faced a reduction in gross written premium in the fire insurance segment, with a 23% decrease in Q4.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

THEE.NS - New India Assurance Company Ltd
Q4 2025 New India Assurance Company Ltd Earnings Call
May 21, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to the conference call of the new India Assurance Company Limited arranged by Concept Investor Relation to discuss its Q4FI25 results. We have with us today Mrs. Grija Subramanyan, Chairman com managing director, Mrs. Kasturi Singh Gupta, executive director, Shri Vimal Kumar Jain, Chief Financial Officer, among other esteemed management members. At this moment all participant lines are in listen-only mode. Later we will conduct a question and answer session. At that time, if you have a question, please just start in one on your touchtone phone. Please note that this conference is being recorded.

I would now like to hand the conference over to Mrs. Kerija Subramanyan, Chairman, managing director.

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