NIACL / Q2-FY26 / risks
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The New India Assurance Company · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Crop Insurance Underwriting Gap
Company acknowledges limited participation in crop insurance due to resource constraints, though management signals interest in parametric crop products as a future avenue.
Aggregate Excess of Loss Coverage Review
Management flagged reviewing whether to purchase aggregate XL cover at bottom layer after multiple CAT events caused sporadic losses not covered by current reinsurance structure.
Combined Ratio Deterioration
Combined ratio worsened to 127.21% from 120% YoY due to elevated claims and one-time provisioning. Management deflected on specific timeline for improvement beyond 'next two quarters'.