| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Indusind General Insurance Company Limited |
|
Particulars |
31-03-2026 |
31-03-2025 |
|
Share Capital |
276.85 |
264.91 |
|
Reserves And Surplus |
3,642.28 |
3,163.68 |
|
Fair Value Change Account - Shareholder |
-24.11 |
0.98 |
|
Fair Value Change Account - Policyholder |
-121.86 |
5.15 |
|
Borrowings |
963.83 |
230.00 |
|
Total |
4,736.99 |
3,664.72 |
|
Investments - Shareholder |
3,746.32 |
3,421.72 |
|
Investments - Policyholder |
18,932.10 |
17,935.89 |
|
Fixed Assets |
137.51 |
130.08 |
|
Deferred Tax Assets (Net) |
158.58 |
153.30 |
|
Current Assets |
|
|
|
Cash And Bank Balances |
880.76 |
175.55 |
|
Advances And Other Assets |
3,424.07 |
2,826.76 |
|
Sub-Total |
4,304.83 |
3,002.31 |
|
Current Liabilities |
20,005.71 |
18,219.16 |
|
Provisions |
2,536.65 |
2,759.42 |
|
Sub-Total |
22,542.36 |
20,978.58 |
|
Net Current Assets |
-18,237.52 |
-17,976.27 |
|
Total |
4,736.99 |
3,664.72 |
|
Particulars |
31-03-2026 |
31-03-2025 |
|
Operating Profit/(Loss) |
|
|
|
Fire Insurance |
-103.96 |
92.93 |
|
Marine Insurance |
-43.36 |
-41.66 |
|
Miscellaneous Insurance |
168.22 |
185.50 |
|
Income From Investments |
|
|
|
Interest, Dividend & Rent - Gross |
268.51 |
247.95 |
|
Profit On Sale/Redemption Of Investments |
38.11 |
29.78 |
|
Loss On Sale/Redemption Of Investments |
-1.77 |
-2.34 |
|
Amortization Of Premium/Discount On
Investments |
-6.60 |
-10.04 |
|
Other Income |
|
|
|
Profit/(Loss) On Sale/Discard Of Assets |
- |
0.03 |
|
Miscellaneous Income |
5.75 |
3.99 |
|
Excess Provision/Bad Debts Written Back |
0.03 |
4.81 |
|
Total |
324.93 |
510.95 |
|
Provisions (Other Than Taxation) |
|
|
|
For Doubtful Debts |
3.64 |
54.49 |
|
Other Expenses |
|
|
|
Bad Debts Written Off |
5.08 |
5.30 |
|
Interest On Subordinated Debt |
43.57 |
20.79 |
|
Corporate Social Responsibility Expense |
7.97 |
7.98 |
|
Penalties |
1.00 |
0.15 |
|
Contribution From Shareholders Funds Towards Excess Expenses Of Management |
114.41 |
- |
|
Contribution To Policyholder 's Account - Excess Remuneration Of MD/CEO/WTD/KMP |
12.44 |
19.12 |
|
Contribution To Policyholder 's Account -
Employee Remuneration |
4.53 |
4.07 |
|
Amortization Of Debenture Expenses |
0.52 |
0.29 |
|
Interest On Statutory Liability |
0.55 |
6.17 |
|
Finance Cost |
6.31 |
14.24 |
|
Total |
200.02 |
132.60 |
|
Profit/(Loss) Before Tax |
124.91 |
378.35 |
|
Provision For Taxation |
|
|
|
Current Tax |
18.51 |
113.44 |
|
Short Provision For Earlier Year/Period |
20.87 |
65.50 |
|
Deferred Tax For Current Period |
-5.28 |
-78.84 |
|
Deferred Tax For Earlier Year/Period |
- |
-37.19 |
|
Net Profit/(Loss) After Tax |
90.81 |
315.44 |
|
Appropriations |
|
|
|
Final Dividend |
0.27 |
0.26 |
|
Debenture Redemption Reserve |
3.44 |
- |
|
Profit/(Loss) After Appropriations |
87.10 |
315.18 |
|
Balance Of Profit/Loss Brought Forward From
Last Period |
2,122.18 |
1,807.00 |
|
Balance Carried Forward To Balance Sheet |
2,209.28 |
2,122.18 |
|
Particulars |
31-03-2026 |
31-03-2025 |
|
Cash Flows From Operating Activities: |
|
|
|
Premium Received From Policyholders, Including
Advance Receipts |
12,486.37 |
12,976.90 |
|
Payment To Re-Insurers, Net Off Commissions
And Claims |
-1,274.81 |
-2,107.22 |
|
Payment To Co-Insurers, Net Off Claims
Recovery |
6.64 |
-8.09 |
|
Payments Of Claims |
-7,605.88 |
-7,139.20 |
|
Payments Of Commission And Brokerage |
-2,463.41 |
-1,949.38 |
|
Payment Of Other Operating Expenses |
-1,498.65 |
-1,598.21 |
|
Deposits, Advances, And Staff Loans |
-143.56 |
-540.77 |
|
Income Tax Paid (Net) |
-47.51 |
-204.20 |
|
Good & Service Tax Paid |
93.57 |
-173.82 |
|
Misc Receipts/Payments |
9.14 |
29.55 |
|
Cash Flow From Operating Activities |
-438.10 |
-714.44 |
|
Cash Flows From Investing Activities: |
|
|
|
Purchase Of Fixed Assets |
-61.80 |
-60.27 |
|
Proceeds From Sale Of Fixed Assets |
- |
0.05 |
|
Purchase Of Investments |
-8,962.97 |
-23,114.85 |
|
Sale Of Investments (Including Gain/Loss) |
7,639.80 |
22,433.23 |
|
Rent/Interest/Dividends Received |
1,506.55 |
1,447.81 |
|
Investment In Money Market Instruments And
Liquid Mutual Funds (Net) |
68.83 |
-58.38 |
|
Expenses Related To Investments |
-4.53 |
-4.07 |
|
Cash Flow From Investing Activities |
185.88 |
643.52 |
|
Cash Flows From Financing Activities: |
|
|
|
Proceeds From Issuance Of Share Capital |
400.00 |
1.51 |
|
Proceeds From Borrowings (Net) |
733.83 |
- |
|
Borrowings Issue Expenses |
-7.43 |
- |
|
Interest/Dividend Paid |
-27.51 |
-35.38 |
|
Cash Flow From Financing Activities |
1,098.89 |
-33.87 |
|
Net Increase In
Cash & Cash Equivalents |
846.67 |
-104.79 |
|
Cash And Cash Equivalents At The Beginning
Of The Year |
-144.40 |
-39.61 |
|
Cash And Cash Equivalents At The End Of The Year Including Book Overdraft |
702.27 |
-144.40 |
Summary
of cash flow statement for the year 2026 and 2025:
Cash
Flow from Operating Activities
IndusInd General Insurance Company Limited reported
negative cash flow from operating activities of Rs. 438.10 crores during FY
2025-26 as against negative cash flow of Rs. 714.44 crores in the previous
year. The improvement was mainly driven by lower payments to re-insurers,
recovery in GST-related cash flows, and better management of operating expenses
and advances. However, higher claim settlements and increased commission
payouts continued to exert pressure on operational cash generation.
Cash
Flow from Investing Activities
Cash flow from
investing activities stood positive at Rs. 185.88 crores during FY 2025-26
compared to Rs. 643.52 crores in FY 2024-25. The lower inflow was primarily due
to reduced net gains from investment transactions during the year.
Nevertheless, steady income from interest and dividends, along with efficient
investment management, supported positive cash generation from investing
operations.
Cash
Flow from Financing Activities
Cash flow from
financing activities increased significantly to Rs. 1,098.89 crores in FY
2025-26 as against negative cash flow of Rs. 33.87 crores in the previous year.
The improvement was mainly attributable to proceeds from borrowings and fresh
issuance of share capital during the year. This indicates that the company
raised additional funds to strengthen liquidity and support business growth
requirements.
Net
Increase in Cash and Cash Equivalents
The company reported
a net increase in cash and cash equivalents of Rs. 846.67 crores during FY
2025-26 compared to a net decrease of Rs. 104.79 crores in FY 2024-25.
Consequently, cash and cash equivalents improved from a negative balance of Rs.
144.40 crores at the beginning of the year to a positive balance of Rs. 702.27
crores at year-end, reflecting a substantial improvement in the company’s
liquidity position.
|
Particulars |
31-03-2026 |
31-03-2025 |
|
Debt Equity Ratio (Times) |
0.25 |
0.07 |
|
Debt Service Coverage Ratio (DSCR) (times) |
3.50 |
11.80 |
|
Interest Service Coverage Ratio (times) |
3.50 |
11.80 |
Summary of financial ratios for the year 2026 and 2025:
Debt
Equity Ratio
The Debt Equity
Ratio increased from 0.07 times in 2024-25 to 0.25 times in 2025-26, indicating
comparatively higher reliance on debt financing during the year. However, the
ratio remains low, reflecting a conservative capital structure and comfortable
solvency position.
Debt
Service Coverage Ratio (DSCR)
The DSCR declined
from 11.80 times to 3.50 times during the year, mainly due to increased debt
obligations or lower operating surplus. Despite the decline, the ratio remains
healthy and indicates adequate ability to service debt commitments.
Interest
Service Coverage Ratio
The Interest Service
Coverage Ratio decreased from 11.80 times in 2024-25 to 3.50 times in 2025-26,
reflecting relatively higher interest burden during the year. Nevertheless, the
company continues to maintain sufficient earnings to meet its interest
obligations comfortably.
