Earnings Review
Niva Bupa PAT surges 8% YoY, gross written premiums up 39%
This story was originally published at 19:03 IST on 8 May 2026
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--Niva Bupa Jan-Mar net profit INR 3.45 bln vs INR 2.06 bln year ago
--Niva Bupa Jan-Mar total income INR 20.78 bln vs INR 15.65 bln year ago
--Niva Bupa Jan-Mar gross premiums written INR 28.80 bln vs INR 20.79 bln
--Niva Bupa FY26 net profit INR 1.31 bln vs INR 2.14 bln year ago
--Niva Bupa FY26 total income INR 64.74 bln vs INR 53.24 bln year ago
--Niva Bupa promotes Ankur Kharbanda to deputy chief executive officer
By Ruchira Kagita and Shruti Nair
MUMBAI – Niva Bupa Health Insurance Co. Ltd. posted a nearly 68% on-year increase in net profit in the March quarter to INR 3.45 billion and its total income grew 33% in the same period to INR 20.78 billion. The insurer's gross written premiums also grew at a healthy pace of almost 39% on year. The company reported its gross written premiums at INR 28.80 billion in the quarter under review.
Scale-led efficiencies and improved operating performance supported its healthy growth in the March quarter, the company said in a press release. The health insurer's retail health market share rose in the reporting quarter to 10.4% from 9% a year ago. However, its claims settlement ratio rose marginally to 94.5% from 93.2% year-on-year.
Niva Bupa Health's net profit for the financial year 2025-26 (Apr-Mar) fell 39% on year to INR 1.31 billion while its total income rose 22% on year to INR 64.74 billion. The company's total expenses for the entire fiscal rose 27% to INR 65.34 billion. The insurer's gross written premium for FY26 rose 27% on year to INR 85.86 billion.
During FY26, the insurer's claims ratio increased modestly to 64.9% from 63.8% in the year-ago period. For the full year, the company reported a solvency ratio of 2.49 times, as against 3.03 times in FY25.
Further, the company promoted Ankur Kharbanda from chief business officer to deputy chief executive of the company. The company released its earnings for the March quarter after market hours Friday. Shares of the company closed almost 2% higher at INR 81.29 on the National Stock Exchange. End
Edited By Deepshikha Bhardwaj
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