**Business Performance:** The company delivered strong 9M FY26 results, with Gross Written Premium (GWP) up 16% YoY to ₹13,856 Cr.

Profit After Tax (PAT) surged 87% YoY to ₹966 Cr, and the Combined Ratio improved to 99.8% from 102.1%. Retail health was a significant growth driver, with its GWP increasing 20% and maintaining a 31% market share. **Growth Drivers & Strategy:** Strategic focus areas include strengthening its position as a Retail Indemnity Expert, leveraging an extensive distribution network of 819k agents, and accelerating digital initiatives, evidenced by 13 million+ app downloads and 1.5 million+ digitally sourced policies.

Operational efficiency and best-in-class claims management, with 76% auto-adjudicated claims, are also key. **Recent Developments:** Digital adoption saw a 55% increase in telemedicine usage and a 31% rise in preventive health check-ups.

The company was recognized as India's most sustainable insurance company by S&P Global CSA.

Average Sum Insured in retail health grew 19% to ₹0.12 Cr. **Key Financial Metrics:** Beyond GWP and PAT, investment income grew 39% to ₹1,320 Cr.

Return on Equity (Non-Annualized) improved to 10.6% from 6.4% in 9M FY25. **Management Commentary / Outlook:** The company's strategy continues to prioritize customer-centricity, digital transformation, and network expansion, aiming for sustained growth and operational excellence.