Q1-FY27 · Sanjiv Mantri
Industry combined ratio is 128%. We are at 106.6%... this sustained outperformance reflects the effectiveness of our risk selection, pricing and claims management practices.
ICICIGI / language trends
Read confidence between the lines.
ICICI Lombard General Insurance Company · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY27 · Gopal Balachandran
We have continued to follow prudence. We've continued to exhibit conservatism in so far as the outcome of this judgment as we expect as a preliminary assessment at this point of time.
Q1-FY27 · Sanjiv Mantri
This verdict has come on June 10th and we're barely a month down, very early days, but it's come from the highest court and we have to respect the judgment whichever way it comes.
Q2-FY26 · Sanjiv Mantri
We are committed to passing the complete benefit of lower GST rates to our policyholders.
Q2-FY26 · Sanjiv Mantri
Our continued emphasis on profitable growth delivered a lower combined ratio of 102.9% in quarter 1 2026 over 12 percentage point better than the industry average.
Q2-FY26 · Gopal Balachandran
We will be extremely mindful of making sure that we are able to sustain this ROE in the range of 18 to 20%.
Q3-FY26 · Sanjiv Mantri
We are very comfortable walking away what is not making basic sense on the RO level for motor.
Q3-FY26 · Sanjiv Mantri
The growth in retail health is broad-based across markets and supported by a surge in first-time buyers especially for tier 2 and tier three cities.
Q3-FY26 · Sanjiv Mantri
We have absolute clarity that even if it's long-term, what we will do is what comes with one-by as a team for us we continue to operate strictly on those guidelines.