The New India Assurance Company Limited has informed the Exchange regarding 'Financial Results of the Company for the Quarter and Year ended 31.03.2025'.
NIACL · price
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On the reaction day the stock moved 2.2 pts less than Nifty Midcap 150 and 3.3 pts less than its General Insurance peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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New India Assurance (NIACL), a public-sector general insurer, reported audited FY25 results. Gross premiums written grew about 3.9% year-on-year to around Rs 43,618 crore, while net premiums written rose about 5.5% to Rs 36,315 crore. Profit after tax fell roughly 12.5% to Rs 989 crore from Rs 1,129 crore in FY24, and the combined ratio improved to 116.78% from 119.88%, though it stayed well above 100%. The board recommended a final dividend of Rs 1.80 per share (total Rs 2.06 per share for FY25, vs Rs 1.93 in FY24), with September 4, 2025 as the record date. The joint statutory auditors issued a qualified opinion because several reinsurance, coinsurance, inter-office and banking balances remain unreconciled, and highlighted emphasis-of-matter items including a tax-related contingent liability of about Rs 5,799 crore, a Rs 451 crore wage-revision provision, and weaknesses in internal controls. Several senior management changes were also announced.
For shareholders: the dividend offers a steady payout, but declining profits and a deeply negative underwriting performance (loss of Rs 6,124 crore) signal continued core-business pressure. The qualified auditor opinion on long-pending unreconciled balances is a governance red flag that could weigh on the stock, even though management says the financial impact is not material.