The New India Assurance Co Ltd Stock Price Today (NSE: NIACL)
Fundamental Score
The New India Assurance Co Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
The New India Assurance Co Ltd share price today is ₹149.32, down 4.90% on NSE/BSE as of 19 June 2026. The New India Assurance Co Ltd (NIACL) is a Large-cap company in the General Insurance sector with a market capitalisation of ₹27.90K (Cr). The 52-week high for NIACL share price is ₹214.74 and the 52-week low is ₹116.97. At a P/E ratio of 24.01x, NIACL is currently trading below its industry average P/E of 44.24x. The company has a Return on Equity (ROE) of 3.64% and a debt-to-equity ratio of 0.00.
The New India Assurance Co Ltd Share Price Chart — NSE/BSE Historical Performance
The New India Assurance Co Ltd share price chart: -3.08% return over the past month. 52-week high ₹214.74, 52-week low ₹116.97.
The New India Assurance Co Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹155.06 | ₹156.67 | ₹146.60 | ₹149.32 | 18.47L (Cr) | |
| ₹157.75 | ₹159.74 | ₹154.26 | ₹157.01 | 3.90L (Cr) | |
| ₹161.30 | ₹161.58 | ₹156.56 | ₹157.42 | 5.41L (Cr) | |
| ₹160.56 | ₹160.56 | ₹160.56 | ₹160.56 | 0.00 (Cr) | |
| ₹162.79 | ₹163.90 | ₹160.02 | ₹160.56 | 6.03L (Cr) | |
| ₹166.37 | ₹167.78 | ₹162.16 | ₹162.76 | 6.88L (Cr) | |
| ₹165.00 | ₹168.50 | ₹164.23 | ₹166.20 | 8.41L (Cr) | |
| ₹165.54 | ₹166.45 | ₹163.55 | ₹164.64 | 3.86L (Cr) | |
| ₹163.10 | ₹169.60 | ₹162.40 | ₹166.08 | 10.66L (Cr) | |
| ₹162.51 | ₹163.80 | ₹161.35 | ₹163.10 | 4.17L (Cr) |
The New India Assurance Co Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹157.75 | ₹159.74 | ₹146.60 | ₹149.32 | -5.34% | |
| ₹160.60 | ₹170.98 | ₹154.00 | ₹157.42 | -1.98% | |
| ₹120.00 | ₹180.40 | ₹118.27 | ₹160.60 | +33.83% | |
| ₹142.00 | ₹144.00 | ₹116.97 | ₹117.82 | -17.03% | |
| ₹148.00 | ₹162.39 | ₹142.20 | ₹147.30 | -0.47% | |
| ₹157.00 | ₹158.30 | ₹140.50 | ₹148.91 | -5.15% | |
| ₹170.79 | ₹175.80 | ₹149.80 | ₹155.82 | -8.77% | |
| ₹185.20 | ₹187.45 | ₹170.00 | ₹170.68 | -7.84% | |
| ₹187.20 | ₹197.69 | ₹185.50 | ₹187.07 | -0.07% | |
| ₹188.29 | ₹211.90 | ₹185.75 | ₹189.10 | +0.43% | |
| ₹198.00 | ₹208.90 | ₹183.01 | ₹186.57 | -5.77% | |
| ₹192.01 | ₹214.74 | ₹168.80 | ₹199.78 | +4.05% |
AI Research Briefing
Powered by Gemini · 2026-04-09
NIACL is a cheap PSU insurer with potential upside from industry growth, but governance and execution risks temper enthusiasm.
WHAT'S HAPPENING NOW (last 2-4 weeks)
NIACL shares hit a 52-week low of on March 23, 2026. The company received an Income Tax demand order for for AY 2023-24 due to disallowance of certain expenses. There have been some management changes, including the appointment of Ms. Mary Abraham as Chief Risk Officer and Mr. S. Dinakaran as Chief Underwriting Officer, effective April 2, 2026. The company submitted its quarterly compliance certificate to stock exchanges.
CORE STORY (THE REAL GAME)
NIACL is a play on the cyclicality of the general insurance business, heavily influenced by government policy and macro trends. It's less about consistent compounding and more about catching the upswing in premiums and underwriting profitability.
- Industry growth projected at 12-14% in FY27
- Health insurance premiums are growing rapidly
- Relatively undervalued compared to industry P/E
- Better-than-expected Q4 results
- Positive policy changes favoring PSU insurers
- Successful cost-cutting measures
- High promoter holding limits float
- Negative profit growth and reliance on non-operating income
- Recent Income Tax demand order
FII: 1.01% (Δ 0.0%), DII: 11.18% (Δ 0.0%) - Limited institutional interest suggests caution.
General insurance industry is expected to remain structurally strong, supported by rising risk awareness, steady economic growth and continued regulatory reforms.
NIACL won a contract for IT projects worth ₹10.17 crore on March 27, 2026.
No - Free Cash Flow 5Y: ₹-17566.79 Cr
If NIACL can improve its underwriting performance and capitalize on industry growth, it could see a re-rating. However, execution and governance remain key concerns.
Primary Thesis Risk
Inability to improve underwriting profitability and governance issues will kill the thesis.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
The New India Assurance Co Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
The New India Assurance Co Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of NIACL across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Attractive Valuation (P/E: 24.01 vs Industry: 44.24)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Strong Revenue Growth (24.70%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (3.64%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (3.59%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (2.88%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Profit Decline Concern (-39.73%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Weak Earnings Growth (-6.32% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Stagnant Profit Growth (-6.32% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity.
Negative Free Cash Flow (₹-17566.79 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (85.44% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
The New India Assurance Co Ltd vs General Insurance Peers
Peer Comparison - General Insurance
Compare The New India Assurance Co Ltd with 5 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
35.3/100 | ₹149.32₹149 | ₹27900.73₹27900.73 | 24.01Average 24.0 Average | 3.64%Poor 3.64% Poor | 3.59%Poor 3.59% Poor | 0.00Excellent 0.0 Excellent | -6.32%Poor -6.32% Poor | 8.87%Good 8.87% Good | 1.06% | |
61.1/100 | ₹1822.80₹1823 | ₹99138.73₹99138.73 | 35.40Average 35.4 Average | 18.80%Good 18.80% Good | 24.86%Excellent 24.86% Excellent | 0.00Excellent 0.0 Excellent | 16.00%Excellent 16.00% Excellent | 15.78%Excellent 15.78% Excellent | 0.63% | |
General Insurance Corporation of IndiaGeneral Insuran... GICRE • 540755 | 60.6/100 | ₹389.30₹389 | ₹68105.76₹68105.76 | 7.11Average 7.1 Average | 10.99%Average 10.99% Average | 13.32%Average 13.32% Average | 0.00Excellent 0.0 Excellent | 105.29%Excellent 105.29% Excellent | -0.29%Poor -0.29% Poor | 2.58% |
Go Digit General Insurance LtdGo Digit Genera... GODIGIT • 544179 | 39.4/100 | ₹307.65₹308 | ₹32842.69₹32842.69 | 64.64Average 64.6 Average | 11.87%Average 11.87% Average | 10.80%Average 10.80% Average | 0.08Excellent 0.1 Excellent | — — | — — | 0.00% |
Star Health and Allied Insurance Company LimitedStar Health and... STARHEALTH • 543412 | 48.8/100 | ₹507.35₹507 | ₹28287.46₹28287.46 | 53.07Average 53.1 Average | 9.37%Poor 9.37% Poor | 11.98%Average 11.98% Average | 0.06Excellent 0.1 Excellent | 18.65%Excellent 18.65% Excellent | 26.42%Excellent 26.42% Excellent | 0.00% |
Niva Bupa Health Insurance Company LtdNiva Bupa Healt... NIVABUPA • 544286 | 48.6/100 | ₹81.01₹81 | ₹13655.62₹13655.62 | 147.45Average 147.4 Average | 8.18%Poor 8.18% Poor | 7.45%Poor 7.45% Poor | 0.07Excellent 0.1 Excellent | 40.07%Excellent 40.07% Excellent | 38.42%Excellent 38.42% Excellent | 0.00% |
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- ICICI Lombard General Insurance Company Limited share price99138.73 Cr
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The New India Assurance Co Ltd PE Ratio History
Historical price-to-earnings ratio for NIACL — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹6.29 | ₹155.82 | 24.8x |
| FY 2024 | ₹6.77 | ₹202.52 | 29.9x |
| FY 2023 | ₹6.36 | ₹210.35 | 33.1x |
| FY 2022 | ₹1.18 | ₹125.75 | 106.6x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
The New India Assurance Co Ltd Quarterly Performance
Latest quarterly metrics for NIACL — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
24.70%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-39.73%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
8.87%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
-6.32%
Compounded annual net profit growth over 5 years
The New India Assurance Co Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for NIACL — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
The New India Assurance Co Ltd Financial Statements
Annual income statement, balance sheet and cash flow for The New India Assurance Co Ltd (NIACL) — sourced from NSE/BSE filings.
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About NIACL (The New India Assurance Co Ltd)
The New India Assurance Co Ltd is a towering figure in India's general insurance landscape, a company deeply interwoven with the nation's economic fabric. Established in 1919, it b...oasts a legacy of safeguarding assets and mitigating risks across diverse sectors. With a sprawling network of offices strategically located throughout India and a significant international presence, NIACL offers comprehensive insurance solutions tailored to both individual and corporate needs. From bustling metropolitan centers to the remote corners of rural India, the company remains committed to providing reliable protection against unforeseen events, fostering stability and promoting sustainable growth for its clientele. The company's extensive product portfolio encompasses a wide spectrum of general insurance offerings, designed to cater to the evolving demands of a dynamic market. NIACL provides robust coverage for vital assets like property, vehicles, and infrastructure, alongside specialized policies addressing liabilities, engineering projects, and aviation risks. Recognizing the importance of individual well-being, the company offers comprehensive health, personal accident, and travel insurance plans. Furthermore, NIACL remains dedicated to supporting India's agricultural sector through tailored insurance schemes that protect farmers from the uncertainties of crop yields and livestock health, contributing to the nation's food security and rural prosperity. Beyond its diverse range of insurance products, The New India Assurance Co Ltd distinguishes itself through a commitment to customer-centric service and ethical business practices. The company strives to build enduring relationships with its clients by providing prompt claims settlement, personalized support, and transparent communication. By embracing innovation and leveraging technological advancements, NIACL continually enhances its operational efficiency and elevates the customer experience. As a responsible corporate citizen, NIACL actively contributes to social welfare initiatives, demonstrating its commitment to creating a positive impact on the communities it serves, reinforcing its position as a trusted and reliable insurer.
Company Details
Key Leadership
Corporate Events
NIACL Share Price: Frequently Asked Questions
What is the current share price of The New India Assurance Co Ltd?
The New India Assurance Co Ltd (NIACL) trades at ₹149.32 on NSE and BSE. Market cap ₹27.90K (Cr). Educational data only.
What is the P/E ratio of The New India Assurance Co Ltd?
The New India Assurance Co Ltd has a P/E of 24.01x vs industry average 44.24x.
What is the Bull Run score for The New India Assurance Co Ltd?
The New India Assurance Co Ltd has a Bull Run score of 35.3/100 based on 25+ financial parameters.
Does The New India Assurance Co Ltd pay dividends?
The New India Assurance Co Ltd has a dividend yield of 1.06%. Past dividends don't guarantee future payments.
What is the ROE of The New India Assurance Co Ltd?
The New India Assurance Co Ltd has ROE of 3.64%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of The New India Assurance Co Ltd?
The New India Assurance Co Ltd has debt-to-equity of 0.00.
Is The New India Assurance Co Ltd a good investment?
Bull Run gives The New India Assurance Co Ltd a score of 35.3/100. This is not investment advice — consult a SEBI-registered advisor.