Niva Bupa Health Insurance Company profit and loss

Latest FY26

EBITDA: ₹125cr+76.5% on FY25
Net profit: ₹131cr−38.8% on FY25

₹ crore except per share

Tap a line for its trend	FY26Mar 2026	FY25Mar 2025

Expenses
	1.3	142
	125	71.1
	125	71.1
Profit
	127	214
	131	214
Per share
	₹0.71	₹1.22
Revenue detail — as filed
	6,474	5,324
	405	287
Expense detail — as filed
	675	663
	1,227	1,065
	1,227	1,065
	36.0	172
	4.6	0.6
Profit build-up — alternate / pre-Ind-AS tags
	127	214
	127	214
	−4.0	0.0
	131	214
	−588	−718
Per share — as-filed variants
	₹0.71	₹1.22
	₹0.71	₹1.22
Appropriations & transfers
	−60.2	180
Insurance — revenue account (Policyholders')
	6,068	4,894
	8,586	6,762
	6,806	5,369
	1,175	1,083
	31.5	171
	3,809	2,885
	4,133	2,997
	324	112
	7,439	5,810
	9,935	9,346
Insurance — Shareholders' account
	163	385
	222	192
	−60.2	180
	0.1	0.1
	0.1	0.1
Insurance — result & transfers
	−466	−250
	−60.2	180
	0.7	13.0
Insurance — fund NPAs
	50.0	54.3
	₹0.01	₹0.01
Insurance — IRDAI ratios (as filed, not percentages)
	2.49×	3.03×
	₹2.49	₹3.03
	₹1.03	₹1.01
	₹0.68	₹0.61
	₹0.79	₹0.79
	₹0.34	₹0.39
Direct-method operating receipts — filed in the P&L block
	1,565	1,869
Regulatory disclosures — filed alongside, not part of the P&L
	₹0.00	₹1.00
	₹0.00	₹283.00
	₹0.00	₹282.00

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

NIVABUPA₹72.00

Niva Bupa Health Insurance Company Ltd.

· Banking & Finance

Annual Quarterly₹ CrorePeersSTARHEALTH ICICIGI NIACL SAMMAANCAP SBFC J&KBANK IEX HOMEFIRSTMcap ₹13,262 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY25 31/03/2025	FY26 31/03/2026
Other Income	142.5	1.3
Expenses
EBITDA	71.1	125.5
EBIT	71.1	125.5
Profit
Pretax Income	213.5	126.8
Net Income	213.5	130.8
Per Share
Basic EPS	1.22	0.71
Revenue Detail — as filed
+ Operating Income	5,324.3	6,473.7
+ Income from Investments (net)	287.4	404.8
Expense Detail — as filed
+ Employee Remuneration & Welfare	663.4	675.2
+ Commission (net)	1,064.6	1,226.8
+ Commission & Brokerage (net)	1,064.6	1,226.8
+ Non-operating Expense	172.0	36.0
+ Non-operating Provision — Doubtful Debts	0.6	4.6
Profit Build-up — Alternate / Pre-Ind-AS Tags
Profit before Extraordinary Items	213.5	126.8
Profit / (Loss) before Tax — alt tag	213.5	126.8
+ Provision for Tax	0.0	-4.0
Profit / (Loss) after Tax	213.5	130.8
Profit Carried to Balance Sheet	-718.5	-587.7
Per Share — as-filed variants
Basic & Diluted EPS before Extraordinary (not annualised)	1.22	0.71
Basic & Diluted EPS after Extraordinary (not annualised)	1.22	0.71
Appropriations & Transfers
+ Transfer to Profit & Loss Account	180.0	-60.2
Insurance — Revenue Account (Policyholders')
Premium Earned	4,894.5	6,067.6
+ Gross Premiums Written	6,762.2	8,585.9
+ Net Premium Written	5,369.4	6,806.3
+ Operating Expenses — Insurance Business	1,083.1	1,174.6
+ Non-operating Expenses — Non-insurance	171.3	31.5
+ Claims Paid	2,884.7	3,809.1
+ Incurred Claims	2,996.5	4,132.6
+ Change in Outstanding Claims	111.8	323.5
+ Payments — Premiums, Claims, Annuities & Benefits	5,809.7	7,439.0
+ Receipts — Premiums, Claims, Annuities & Benefits	9,346.4	9,934.6
Insurance — Shareholders' Account
+ Income — Shareholders' Account	385.5	162.8
+ Shareholders' Investment Income	192.5	222.4
+ Transfer from Policyholders' Fund	180.0	-60.2
With Unrealised Gains	0.1	0.1
Without Unrealised Gains	0.1	0.1
Insurance — Result & Transfers
Underwriting Profit / (Loss)	-249.8	-466.3
Operating Profit / (Loss)	180.0	-60.2
+ Other Income — Shareholders' Account	13.0	0.7
Insurance — Fund NPAs
+ Gross NPAs — Policyholders' Fund	54.3	50.0
+ Gross NPA % — Policyholders' Fund	0.01	0.01
Insurance — IRDAI Ratios (as filed, not percentages)
Solvency Ratio (x, one scale)	3.03	2.49
Solvency Ratio (as filed)	3.03	2.49
Combined Ratio	1.01	1.03
Incurred Claim Ratio	0.61	0.68
Net Retention Ratio	0.79	0.79
Expenses of Management Ratio	0.39	0.34
Direct-method Operating Receipts — filed in the P&L block
+ Other Operating Cash Payments	1,869.0	1,565.5
Regulatory Disclosures — filed alongside, not part of the P&L
Investor Complaints — During the Period	1.00	0.00
Investor Complaints — Received	283.00	0.00
Investor Complaints — Disposed	282.00	0.00
Other Filed Concepts — mapped but not yet placed in the schedule
Operating Expenses	5,144.2	6,533.9
Other Operating Expenses	419.7	499.3

As filed, sign as filed — read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown, so depth follows the filer: pre-Ind-AS, insurance and NBFC blocks stay hidden unless they were actually reported. Alternate tags for the same idea (e.g. two spellings of a deferred-tax element) are kept as separate lines rather than merged, because merging them would be a guess. Ratios, per-share figures and counts render as raw numbers, not ₹ Crore. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.