Executive KPIs
Total Premium (Net)
₹2,22,895L
-0.1%
Combined Ratio
105.2%
+5.2pp
Operating Profit
₹57,192L
+12.4%
Solvency Ratio
3.34
+0.54
Portfolio Waterfall Analysis
Strategic Priorities
HIGH
Reduce Combined Ratio
Lower Combined Ratio from 105.2% to <100% through pricing optimization
Impact: ₹11,581L underwriting loss elimination
Timeline: 6-9 months
Owner: Underwriting & Claims
HIGH
Geographic Diversification
Reduce Maharashtra concentration from 37.3% to regulatory target <30%
Impact: Lower concentration risk exposure
Timeline: 12-18 months
Owner: Business Development
MEDIUM
Health Segment Optimization
Improve Health loss ratio from 85.5% through enhanced underwriting
Impact: ₹12,370L potential claims savings
Timeline: 9-12 months
Owner: Health Underwriting
MEDIUM
Channel Mix Optimization
Reduce Broker dependency from 56.2% and expand Individual Agent network
Impact: Higher margin business growth
Timeline: 6-12 months
Owner: Distribution
Segment Performance Overview
Best Performing
Fire
Combined Ratio: -29.11%
Largest Segment
Health
39.8% of Portfolio
Worst Performing
Motor OD
Combined Ratio: 125.9%
Growth Leader
Crop
+705.6%
Segment Loss Ratios vs Combined Ratios
Complete Segment Analysis
| Segment | Net Premium (₹L) | Loss Ratio | Combined Ratio | Growth Rate | Market Share | Performance |
|---|
Geographic Performance
Top State
Maharashtra
37.3% - Critical Concentration
Best Performance
Haryana
Loss Ratio: 45.2%
Concentration Risk
High
Above 30% regulatory concern
Growth Leader
Haryana
+12.3%
State-wise Performance Analysis
Distribution Channel Efficiency
Dominant Channel
Brokers
56.2% - High Concentration
Highest Efficiency
Individual Agents
92% Efficiency
Best Persistency
Individual Agents
85.2% Retention
Underutilized
Individual Agents
Only 15.4% share
Channel Performance Matrix
Product Line Performance
Revenue Leader
Health
₹88,679L Premium
Most Profitable
Fire
₹12,958L Profit
Fastest Growing
Crop
+705.6%
Loss Leader
Motor OD
125.9% Combined Ratio
Product Performance Overview
Scenario Analysis
0%
Current Operating Profit
₹57,192L
Scenario Impact
₹0L
New Operating Profit
₹57,192L
Combined Ratio Change
0.0pp
Risk Assessment Dashboard
Solvency Status
Strong
Ratio: 3.34 vs Required: 1.5
Geographic Risk
Critical
37.3% Maharashtra concentration
Channel Risk
High
56.2% Broker dependency
Underwriting Risk
Loss Making
105.2% Combined Ratio
Risk Factor Analysis
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