Niva Bupa Health Insurance Company Limited Q3 FY26 earnings call summary

Earnings call of 29 Jan 2026, summarised by AI from the filing.

Niva Bupa Q3 FY26 PAT ₹77 cr (Q3 FY25: ₹60 cr) with 31% growth; management confident of meeting EOM regulatory requirement this financial year.

Key takeaways

1. Q3 PAT ₹77 cr (Q3 FY25: ₹60 cr), after a one-off of about ₹20 cr from new wage codes.
2. EOM compliance Management is confident of meeting the regulatory EOM requirement on both 1/N and without 1/N accounting for the current financial year.
3. GST tailwind December growth was even better than October-November and January looks healthy, so the GST benefit looks sustained, not one-time.
4. Medical inflation Industry efforts to control claims are multi-year and not yet quantified; medical inflation continues.

Original filing on BSE

Niva Bupa Health Insurance Company Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (30 Jul 2026), Results deck (30 Jul 2026), Results press release (30 Jul 2026)
• Q4 FY26: Earnings call (8 May 2026), Results deck (8 May 2026), Results press release (8 May 2026)
• Q3 FY26: Earnings call (29 Jan 2026), Results deck (29 Jan 2026), Results press release (29 Jan 2026)
• Q2 FY26: Earnings call (3 Nov 2025), Results deck (3 Nov 2025), Results press release (3 Nov 2025)
• Q1 FY26: Earnings call (31 Jul 2025), Results deck (31 Jul 2025), Results press release (31 Jul 2025)
• Q4 FY25: Earnings call (7 May 2025), Results deck (7 May 2025), Results press release (7 May 2025)