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NIACL — THE NEW INDIA ASSU CO LTD

Structural concernsWeak profitability

Price History

Data as of 26 Jun 2026· via fincrux

How NIACL has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Upper end of its 12-month range71% of range

Trading about 57% above its 12-month low and near recent highs — historically pricier territory for this stock. It sits above its 200-day average, the longer-term trend.

₹118 low₹212 high
vs 50-day avg
+12.3%
vs 200-day avg
+12.9%
Beginner mode
Plain English, with everything explained

NIACL

NSE

THE NEW INDIA ASSU CO LTD

Financials / Insurance

₹184.63
0.00%
last close
0%
Quality Score
A mixed pictureBig money steady

THE NEW INDIA ASSU CO LTD passes 2 of 3 checks. There's something to like here, but also a few things to be careful about. Read the four checks below before forming a view.

Company size
₹33341.00 Cr
Price tag
24.1×
Money it earns
5.0%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.00goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 5.0%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Aligned

Professional investors have been holding steady or buying more — a quiet vote of confidence.

FII+DII 12.2%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • New India Assurance Company Ltd is India's largest non-life insurance company. It is promoted by the Government of India (GoI) holding ~86% stake.It was established by Sir Dorabji Tata in 1919 and was nationalised in 19…
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What NIACL owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings00000
Equity Capital824824824824824
Reserves24,13924,82127,15927,29826,694
Total Assets95,35097,0131.07L1.09L1.09L
Total Liabilities95,35097,0131.07L1.09L1.09L

Loan book steady

Borrowings have stayed broadly steady over the retained years. For a financial company that reflects a stable funding base.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for NIACL — does it earn money consistently?

Consistently profitable

Every one of the last 5 years has been profitable — a sign of durable earnings.

₹164 Cr
₹1,055 Cr
₹1,129 Cr
₹988 Cr
₹1,384 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹35,642 Crrev ₹40,801 Crrev ₹40,558 Crrev ₹40,856 Crrev ₹49,586 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about NIACL — observations, not recommendations.

Strengths

3
  • Borrowing is well within the relaxed range we use for financial companies.
  • Large professional investors have been holding steady or adding to their stake.
  • Profitable in every one of the last 5 years.

Risks

2
  • Profit generated from the money invested has been on the weaker side.
  • Sits near the top of its 12-month range — historically pricier territory for this stock.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
1.0%0.0 pp
DII· Domestic institutions
11.2%-0.0 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / Insurance score on the same four guardrails.

  • ICICIGIICICI LOMBARD GIC LIMITED100
  • LICILIFE INSURA CORP OF INDIA84
  • SBILIFESBI LIFE INSURANCE CO LTD81
  • GICREGENERAL INS CORP OF INDIA81
  • HDFCLIFEHDFC LIFE INS CO LTD63
View the full sector