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Niva Bupa Q4 net profit jumps 31% to ₹206 crore, gross premiums up 18%Niva Bupa Q4 Results | Underwriting profit declined 12.2% to ₹57.6 crore from ₹65.6 crore, while operating profit dropped sharply by 43.1% to ₹94.9 crore from ₹166.8 crore a year ago. Shares of Niva Bupa Health Insurance Company Ltd ended at ₹81.07, up by ₹0.22, or 0.27%, on the BSE.By Jomy Jos Pullokaran   May 7, 2025, 8:06:07 PM IST (Published)2 Min ReadStandalone health insurer Niva Bupa Health Insurance Company Ltd on Wednesday (May 7) reported a 31.2% year-on-year (YoY) jump in net profit at ₹206 crore for the fourth quarter that ended March 31, 2025, compared to ₹157 crore in Q4FY24.

The insurer reported an 18.2% YoY rise in gross premiums written for the fourth quarter of FY25, reaching ₹2,078.7 crore compared to ₹1,759.4 crore in the same period last year. Net premium written increased by 21% YoY to ₹1,672 crore from ₹1,381.9 crore.

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However, underwriting profit declined 12.2% to ₹57.6 crore from ₹65.6 crore, while operating profit dropped sharply by 43.1% to ₹94.9 crore from ₹166.8 crore a year ago. The company’s solvency ratio remained steady at 3.03% on a sequential basis.

In February this year, Niva Bupa Health Insurance Company MD and CEO Krishnan Ramachandran said the company aims to expand 8-10% faster than the market over the next five years. He expects the sector to grow at a 15% compounded annual growth rate (CAGR).

Ramachandran noted that the industry has a long runway for growth but requires continuous investment. "This is a capital-intensive business. So, it is a question of what continued level of investments we choose to make in capitalising on the opportunity," he explained.

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He also highlighted the company's strategy of balancing aggressive growth with profitability. "We, as a management team, definitely want to grow significantly faster than the market, but at the same time, balance that with profitability," he added.

The results came after the close of the market hours. Shares of Niva Bupa Health Insurance Company Ltd ended at ₹81.07, up by ₹0.22, or 0.27%, on the BSE.

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