General Insurance Corporation of India announced Q4FY26 & FY26 results Consolidated Financial Highlights: Gross Premiums Written: In Q4FY26, the consolidated gross premiums written stood at Rs 11,16,103 lakh, registering a growth of 0.70% QoQ compared to Rs 11,08,346 lakh in Q3FY26, and an increase of 3.86% YoY against Rs 10,74,608 lakh in Q4FY25. For the full year FY26, it was Rs 44,36,788 lakh, up by 5.75% YoY from Rs 41,95,533 lakh in FY25. Net Premium Written: The net premium written for Q4FY26 was Rs 10,00,743 lakh, showing a decline of 4.56% QoQ (from Rs 10,48,580 lakh in Q3FY26) and a marginal increase of 0.31% YoY (from Rs 9,97,609 lakh in Q4FY25). For FY26, it stood at Rs 40,90,439 lakh, an increase of 6.49% YoY from Rs 38,41,223 lakh in FY25. Total Income: Total income in Q4FY26 reached Rs 12,30,926 lakh, marking a rise of 5.96% QoQ (vs Rs 11,61,664 lakh in Q3FY26) and 3.07% YoY (vs Rs 11,94,251 lakh in Q4FY25). Annual total income for FY26 reported at Rs 49,32,353 lakh, increasing by 8.19% YoY compared to Rs 45,58,902 lakh in FY25. Profit After Tax (PAT): The PAT for Q4FY26 surged to Rs 2,53,259 lakh, showcasing robust growth of 46.76% QoQ (from Rs 1,72,566 lakh in Q3FY26) and 1.35% YoY (from Rs 2,49,886 lakh in Q4FY25). For FY26, PAT was Rs 9,66,238 lakh, representing a 30.01% YoY increase against Rs 7,43,184 lakh in FY25. Underwriting Loss: The consolidated underwriting loss for Q4FY26 narrowed to Rs 25,764 lakh compared to a loss of Rs 44,143 lakh in Q3FY26 and Rs 25,917 lakh in Q4FY25. For FY26, the underwriting loss stood at Rs 2,15,153 lakh. Standalone Financial Highlights: Gross Premiums Written: Standalone gross premiums written in Q4FY26 was Rs 11,03,048 lakh, recording a QoQ increase of 0.40% from Rs 10,98,655 lakh in Q3FY26 and a YoY increase of 6.40% from Rs 10,36,708 lakh in Q4FY25. For FY26, it reached Rs 44,00,674 lakh, a YoY growth of 6.93% compared to Rs 41,15,395 lakh in FY25. Net Premium Written: Q4FY26 net premium written stood at Rs 9,91,707 lakh, down 4.23% QoQ (vs Rs 10,35,486 lakh in Q3FY26) and up 5.27% YoY (vs Rs 9,42,091 lakh in Q4FY25). Annual net premium written for FY26 was Rs 40,57,125 lakh, an increase of 7.21% YoY from Rs 37,84,421 lakh in FY25. Total Income: Standalone total income for Q4FY26 was Rs 12,16,012 lakh, climbing 5.21% QoQ (from Rs 11,55,741 lakh in Q3FY26) and 7.00% YoY (from Rs 11,36,427 lakh in Q4FY25). Annual total income for FY26 stood at Rs 48,90,062 lakh, growing 8.70% YoY from Rs 44,98,782 lakh in FY25. Profit After Tax (PAT): PAT for Q4FY26 was Rs 2,25,423 lakh, seeing a significant increase of 48.41% QoQ (from Rs 1,51,892 lakh in Q3FY26) and 3.27% YoY (from Rs 2,18,289 lakh in Q4FY25). For FY26, PAT stood at Rs 8,39,218 lakh, up 25.23% YoY compared to Rs 6,70,136 lakh in FY25. Underwriting Loss: The standalone underwriting loss for Q4FY26 was Rs 36,177 lakh. For the full year FY26, the underwriting loss stood at Rs 2,67,231 lakh. Business Highlights & Segment-wise Performance: Dividend: The Board of Directors has recommended a dividend of Rs 13.25 (265%) per fully paid-up Equity Share of Rs 5 each for the Financial Year 2025-26. The record date for the dividend payment has been fixed as Friday, September 4, 2026. Life-Re Business Provisions: Provisions for the Life-Re business have increased significantly in FY26, especially for the long-term business due to an adverse experience of mortality resulting in the tightening of mortality assumptions. This change impacted the financials by increasing the IBNR provisions by Rs 702 crore. Dubai Branch Status: The GIC Re Dubai branch continues its run-off operations since July 2021. The business previously underwritten by the Dubai branch is now being handled by the GIFT City branch in India. The application for portfolio transfer and eventual de-registration of the Dubai branch has been filed with the UAE regulator. Credit Ratings: During FY26, the rating provided by AM Best was affirmed as Financial Strength Rating (FSR) of 'A- (Excellent)' and Long-Term Issuer Credit Rating (ICR) of 'a- (Excellent)', with a 'Stable' outlook. Segment-wise Performance (Net Premium for Q4FY26): Fire: Rs 2,86,511 lakh Health: Rs 2,49,283 lakh Motor: Rs 2,14,740 lakh Life: Rs 78,193 lakh Engineering: Rs 44,551 lakh Agriculture: Rs 26,271 lakh Liability: Rs 21,307 lakh Other Miscellaneous: Rs 18,426 lakh Personal Accident: Rs 16,807 lakh Aviation: Rs 12,025 lakh Marine Cargo: Rs 11,817 lakh Marine Hull: Rs 11,414 lakh FL/Credit: Rs 8,455 lakh Workmen Compensation: Rs 944 lakh Result PDF