🧾 Financial Snapshot
| Metric | FY25 | YoY Change |
|---|---|---|
| Gross Direct Premium Income | ₹26,833 crore | ↑ 8.3% |
| Net Profit | ₹2,508 crore | ↑ 30.7% |
| Combined Ratio | 102.5% | ↑ 0.2 pp |
| Return on Avg Equity (ROAE) | 19.1% | ↑ 1.9 pp |
| Solvency Ratio | 2.69x | ↑ 0.07x |
| Final Dividend | ₹7/share | Maintained |
📊 Quarterly Highlights (Q4 FY25)
- Net Profit: ₹510 crore, down 2% YoY.
- Gross Direct Premium Income (GDPI): ₹6,211 crore, up 2.3% YoY.
- Combined Ratio: 102.5%, slightly higher than 102.3% in Q4 FY24.
- Solvency Ratio: Improved to 2.69x, above the regulatory minimum of 1.5x.
📈 Segment Performance
- Retail Health Insurance: Premiums grew approximately 30% YoY, driven by
- increased awareness and rising medical costs.
- Motor Insurance: Premiums rose 18% YoY, supported by demand in the two-wheeler and tractor segments.
- Commercial Lines: Growth was muted due to flat government expenditure, with expectations of improvement in the coming quarters.
⚖️ Regulatory Impact
The implementation of new accounting norms by the Insurance Regulatory and Development Authority of
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