NIACL

f(q. Phone :022-22708100 EF<trqr*c<ffift{FT}s 22708400 THE NEW INDIA ASSURANCE COMPANY LTD. WEbSitE: WWW.NEWINd|A.CO.|N tds.cqf nwr*strqli{c : {Ek<rqvdrcRRdrT, 97, q615fiffi*r1, etd, ief - +oo oot. Regct & Head Ofllce : New lndia Assurance Bldg., 87, M.G. Road, Fort, Mumbai - 400 001. CIN No. 166000MH1919GO1000s26 Ref. No. : NIACL/ CMD_BoardSectt I 2026-27 24th July,2026 To, The Manager The Manager Listing Department Listing Department BSE Limited The National Stock Exchange of India Ltd Phiroze Jeejeebhoy Tower Exchange PIaza,Sft floor, Plot C/1, Dalal Street G Block, Bandra-Kurla Complex Mumbai 400 001 Mumbai 400 051 Scrip Code: (BSE - 540769lNSE - NIACL) Dear Sir/Madam, Sub: Investor Presentation Investor Presentation for the quarter ended 3Oth June, 2026, uploaded for your kind information and records. The above information is being made available on the Company's website vrww.newindia.co.ln Yours Sincerely, For The New India Assurance Company Limited Abhishek Pagarla Company Secretary Results for the Quarter ended 30th Jun e 2O26 I\IEIT IIIDIAA$$URAIICE fr=q$fuilEsqt*sffifrFreE The New lndia Assurance Go. Ltd @ Disclaimer This presentation may contain forward-looking statements, which are not historical facts but relate to future expectations, projections, objectives, or strategies of the Company. Such statements are inherently subject to various risks, uncertainties, and assumptions-many of which are beyond the Company's control-and actual results may differ materially. tractors that could cause such dffirences include, but are not limited to, changes in applicable laws and regulations, implementation risks, economic and political developments (domestic and international), market volatility, monetary andfiscal policy shifts, and other unforeseen events including natural disasters or geopolitical disruptions. These statements reflect management's views as of the date of this presentation, based on information currently available and assumptions considered reasonable at that time. Howeveri no assurance can be given as to their accuracy or validity. The Company andertakes no obligation to revise or update any forward-looking statements, except as required by applicable law. Chairperson's comments on Ql FY27 performance Commenting on the results, Chairman-cum-Managing Director Ms. Girija Subramanian said, "QIFY27 wqs a challenging quarter for the Indian general insurance industry. The insurance industry property premium crashed by 27.8% during the quarter and QIFY27 being a property heavy quarterfor New IndiaAssurance,our overall GWP growthwas muted at 2.9%. The Motor Third Party line of business continued to be under pressure as there was no premium increase and the claim inflation pressure continuing. The significant spike in Motor TP loss ratio had o severe 11- adverse impact on the results. The industry is lookingforward to a hike in Motor Third Party premium. Our solvency ratio remained healthy at 1.80x. Our investment assets on a market value basis stood at a healthy Rs.99,980 crs. Goingforward, we will continue our efforts to change the business mix infavor oJ' Mrs. Girija Subramanian, CMD retail and MSME with the focus on newer product lines where competitive intensity is lowen" Agenda @ Financial Performance Performance v/s ustry I d i Company strategy c* Fi nfl nc! a t Pe rfei rrT! & ffi Gross Written Premium 13,720 L3,334 47,174 43,618 % Change YoY 2.90% t3.rt% 8.15% 3.86% Net Written Premium tL,229 10,840 39,331 36,315 Net Earned Premium 9,683 9,369 38,462 35,368 *Underwriting results Net lncurred Claim 10,010 9,347 37,942 34,168 were ICR% ta338% 99.76% 98.6s% 96.6L% impacted by increased ICR and increase in operating expenses. Commission 944 926 3,836 3,615 As aYo of Net Written Premium 8.4t% 8.54% 9.75 9.95 Operating Expenses !,o84 852 5,566 3,709 As aYo of Net Written Premium 9.66% 7.86% 14.t5 LO.2T Combined Ratio % tzl,.44% Lt6.t6% t22.55 t16.78 Underwriting Resultsx (2,356) (r,7561' (8,882) (6,1241 tI,tlz lnvestment lncome 2,t46 2,29O 9,034 nterest/Dividend/Rent 1_,296 1,405 5,635 521,4 I Capital Gains 850 885 5,477 2820 Other ncome/(expenses) 18 (14s) (e68) (87s) I PBT (1e1) 389 1,262 LA34 Tax 65 (21 (t221 46 PAT (2s7), 391 1384 988 Financiat performance @ Gross Written Premium Combined Ratio t22.ss% L2t.44% 47,174 43,6L8 LL6.78% tL6.L6% L3,72O L3,334 ql FY25-26 Q1 FY26-27 Ql FY25-26 FY26 FY25 Q1 FY25-27 FY26 FY25 lnvestment lncome Ll,ll2 PAT 1384 8,034 988 391 2I,1I46 2,290 orI-r, Ql FY2s-26 FY26 FY25 Q1 FY26-27 Q1 FY25-26 FY26 FY25 -257 All amounts in { Cr Financiat performance @ Solvency Ratio Asset Under Management Technical Reserve 1,00,802 L.87 59,824 1.80 99,980 55,789 FY26-27 ql qL FY26-27 q1 FY25-26 QL FY26-27 q1 FY2s-26 QL FY2s-26 Net Worth Fair Value Change Account ROE 23,393 23,4L6 7.O8% L6,O54 I' 22,279 q1 7 Qt FY25-27 Qt FY26-27 Q1 FY25-26 Qt FY26-27 Q1 FY2s-26 4.37% All amounts in { Cr * Segment wise performance Gross \fidritten FremiL$r?-E @ GWP Ql FY26-27 Q1 FY25-25 % Change FY 25-26 FY 24-25 % Change FIRE 1971,.34 2272.28 (13.24]'% 6,895 6,225 t0.76% MARIN E 448.70 300.48 49.33% r,t25 1,010 t1,.43% MOTOR OD L433.73 L270.29 L2.87% 5,5L4 5,406 1,.99% MOTOR TP 1558.31 1,414.62 ro.t6% 6,66L 6,652 o.t3% Health & PA 6818.51 669t.4t 1,.9o% 22,444 19,928 12.62% Crop 0.04 126.r4 (ee.e7)% 133 483 (72.sr)% OTHERS 1,,489.82 1,258.35 1-'8.39o/o 4,402 3,9r4 12.48% L3720.47 13,333.57 2.90% 47,L74 43,6t8 8.t5% TOTAL All amounts in { Cr * Segment wise performance lnfiLf;rred Ct"airns Ftatir @ tcR Qt FY26-27 Q1 FY2s-25 FY 25-26 FY 24-25 1,1.53% FIRE 31.72% 76.s4% 7r.20% s9.89% MARIN E 84.66% 86.74% 53.74% 1L6.35% MOTOR OD tLg.06% 108.85% IO4.22% tos.o9% MOTOR TP L22.20% 1,r3.86% ro8.t7% to8.97% Health & PA LO8.24% 99.Os% too.98% 88.90% Crop 8t52.54% 96.rs% 8L.02% 94.\2% OTHERS 6s.91% 63.4oo/o 58.77% TOTAL LO3.38% 99.76% 98.6s% 96.6t% Agenda @ Financial Performance Performa nce s nd ustry v / i Company strategy Performance v/s industry (lndian business) @ Gl industry grew by 1O.9% in Ql FY26-27 NIACL domestic gross direct premium income grew by 3% The QoQ market share increased from 12.74%to 14.45% $egment wise rffiarket shar* @ (t Segment Cr) Market NIACL Market Share Fire 8,LL0 L,408 L7.35% Ma rine 2,32t 399 L7.L7% Motor 26,426 2,724 LO.3r% Health & PA 43,496 6,927 L5s2% Crop L06.50 0 0% Others 7,459 L,244 L6.68% Total 87,9L8 t2,7Ot L4.45% Agenda @ Financial Performance Performance v/s ustry I d i Company strategy About the company @ Rated AAA by CRISIL and Market leadership with a 107th year of operation B++ (Good - Positive) by AM strong brand image Best 1,594 offices in lndia Multi channel distribution lndian multinational with underlining strong domestic network presenc e in 24 countries presence Segment Mix @ Gross Written Premium 10.85% 1.4.37% o.o4% 3.27% L0.45% L1..36% 49.70% r Fire I Marine r Motor OD I MotoreTP r Health and PA i* Crop Others Distribution mix - Ql FY 26-27 (lndian business) @ i Bancassurance o.59% Broker 38.69% r Direct r Agency r Broker r Dealer r Bancassurance Key initiatives fo r FY27 @ Focus on newer product lines, create new market to increase market penetration. Launching innovative new products with focus on Retail and MSME. Emphasis on growth in segments other than Motor and Health where competitive intensity is high. Further impetus on risk management initiatives and taking steps to improve the global credit rating. initiatives Key lT @ WhatsApp services in 8 Call centre offering languages which offer services in 7 regional Revamped website policy and claim related languages services Customer portal offering Claim automation efforts AI/ML enabled Chatbot a seamless user continue for faster claim for customer service experience for standard settlement products EIil DIA A$$U RAilICE ilI I I.I ftqgfucrssqtffiffiftftts The New lndia Assurance Co. Ltd ThankYou