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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Niva Bupa Health Insurance Company Ltd

Niva Bupa PAT Surges 124% to ₹136 Crores in Q2 FY27; GWP Up 35%

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 04 Nov 2026, 05:52 PM IST  ·  BSE ID: b0cd859f-97b7-46dd-9ae7-b7733626b504
View Original BSE Filing (PDF)
💡
In Simple Terms
Niva Bupa's profits more than doubled, and its premium income increased significantly in the last quarter.
🤖 AI Summary
  • Niva Bupa reported a 124% growth in Profit After Tax (PAT) to ₹136 crores for Q2 FY27.
  • Gross Written Premium (GWP) increased by 35% to ₹2,484 crores in Q2 FY27.
  • Retail Health business GWP grew 47% to ₹1,876 crores during the quarter.
  • Combined Insurance Solvency Ratio improved to 98.8% in Q2 FY27.
  • Annualised Return on Average Net Worth increased to 14.7% in H1 FY27.
🔢 Key Numbers - exact figures from BSE filing, not rounded
Profit After Tax (PAT)
₹136 crores
124%
Gross Written Premium (GWP)
₹2,484 crores
35%
Retail Health GWP
₹1,876 crores
47%
Combined Insurance Solvency Ratio (CISR)
98.8%
Annualised Return on Average Net Worth (H1 FY27)
14.7%
Retail Health Market Share (H1 FY27)
11%
Claim Settlement Ratio (H1 FY27)
95.6%
Weighted Episodal Net Promoter Score (H1 FY27)
63
🏢 How This Affects the Company
📈
Business Impact
The company's Gross Written Premium (GWP) growth of 35% and 47% expansion in Retail Health business GWP indicate an increasing market presence and customer acquisition in the health insurance sector. A maintained 11% retail health market share in H1 FY27 further solidifies its position.
💰
Financial Impact
Profit After Tax (PAT) surge of 124% to ₹136 crores and an improvement in Combined Insurance Solvency Ratio to 98.8% demonstrate enhanced profitability and a stronger financial base. The Annualised Return on Average Net Worth increased to 14.7% in H1 FY27 from 7.8% year-on-year, indicating improved capital efficiency.
⚙️
Operational Impact
The Direct channel's 46% growth reflects strengthened direct-to-consumer capabilities. Over 90% of cashless claims processed under 30 minutes and 39% auto-adjudicated using AI show improved claims infrastructure and operational efficiency.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results press release.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, specifically the 124% PAT growth and 35% GWP increase in Q2 FY27, which impacts overall company valuation.
🔍
Management Signal
Management's comments emphasize a focus on financial discipline, operational excellence, customer trust, and profitable growth, while improving operating efficiencies.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List - track these upcoming events
Q3 FY27 financial results — examine sustained PAT and GWP growth trends.
IRDAI regulatory updates — monitor any changes impacting solvency requirements.
Next Annual Report — review audited financial statements and capital efficiency.
LOW RISK The filing indicates strong financial performance and improved solvency, showing limited immediate risks.
💡 Investor Takeaway
Niva Bupa reported Q2 FY27 Profit After Tax (PAT) at ₹136 crores, a 124% increase. Gross Written Premium (GWP) reached ₹2,484 crores, up 35%. Retail Health GWP grew 47% to ₹1,876 crores, and Annualised Return on Average Net Worth improved to 14.7% in H1 FY27.
⚖️ Strengths & Concerns

✅ Positives

  • Profit After Tax (PAT) surged 124% to ₹136 crores in Q2 FY27, reflecting enhanced profitability compared to the prior period.
  • Gross Written Premium (GWP) grew 35% to ₹2,484 crores, driven by a 47% increase in Retail Health business GWP to ₹1,876 crores in Q2 FY27.
📅 Company Track Record
Niva Bupa reported 93% PAT growth to ₹138 crore in Q1 FY27. For the full FY26, the company achieved 80% PAT growth to ₹366 crore, with GWP up 27%. The audited FY26 results were approved with an unmodified audit opinion, though EOM forbearance was pending.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Niva Bupa's Profit After Tax (PAT) for Q2 FY27?
Niva Bupa reported a Profit After Tax (PAT) of ₹136 crores for the quarter ended September 30, 2026 (Q2 FY27), reflecting a 124% growth.
What was Niva Bupa's Gross Written Premium (GWP) for Q2 FY27?
Niva Bupa's Gross Written Premium (GWP) for Q2 FY27 was ₹2,484 crores, representing a 35% growth compared to the corresponding period last year.
How did Niva Bupa's Retail Health business perform in Q2 FY27?
The Retail Health business registered a GWP of ₹1,876 crores during Q2 FY27, showing an impressive growth of 47%.
What was Niva Bupa's Combined Insurance Solvency Ratio in Q2 FY27?
Niva Bupa's Combined Insurance Solvency Ratio (CISR) improved to 98.8% in Q2 FY27.
What was Niva Bupa's Annualised Return on Average Net Worth for H1 FY27?
The company's Annualised Return on Average Net Worth significantly increased to 14.7% in H1 FY27, compared to 7.8% in the corresponding period last year.

Questions based on this BSE filing only. For information purposes.

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⚠️ For Information Only - Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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