Medium-term domestic-international mix target of 60:40
Management aims to gradually shift portfolio mix towards 60% domestic and 40% international, but will prioritize risk selection over rigid targets.
GENERALINSURANCEOFINDIA / guidance tracker
Keep management guidance in view.
Generalinsuranceofindia · forward-looking guidance across the available source record.
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What management said would happen.
growth
Life segment reserve strengthening to continue for 2-3 quarters
The appointed actuary expects elevated loss ratios in life business for another two to three quarters due to ongoing reserve strengthening.
Leverage A- rating for international growth in Jan 2026 renewal
Management expects to capitalize on the restored A- rating from AM Best during the January 2026 renewal season to drive international business growth.
1% annual improvement in combined ratio
Management targets a ~1 percentage point improvement in combined ratio each year, focusing on margin protection rather than volume expansion.
Medium-term premium growth of 8-10%
Expects composite premium growth of 8-10% annually, mirroring Indian reinsurance market growth and international book recovery.
International book recovery over 3-5 years
Business lost due to rating downgrade will be reclaimed over 3-5 years, with medium-term domestic/international mix target of 60:40.
Catastrophe reserve target of ₹5,000 crore
Will continue building catastrophe reserve; major review planned when it reaches ₹5,000 crore.