In FY 2025, the non-life Insurer paid out ₹46,117 crore in gross commissions, which is 15% of the total gross premium collected ₹3.06 lakh crore. These payouts were shared between retail and group insurance segments. Go Digit General Insurance had the highest commission-to-premium ratio at 29.85%, paying out ₹2,529 crore from a premium of ₹8,472 crore. Other insurers with high ratios included Raheja QBE (25.4%), Cholamandalam MS (23.8%), Liberty General (23.79%), and Niva Bupa (23.2%). In terms of total commission payouts, ICICI Lombard General Insurance topped the industry by disbursing ₹5,414 crore, which accounts for 20.2% of its ₹26,833 crore premium. The New India Assurance and Tata AIG General Insurance followed with payouts of ₹3,872 crore and ₹3,680 crore, respectively. Other notable contributors in the top ten include Bajaj Allianz, Star Health, HDFC Ergo, United India Insurance, SBI General, and Reliance General, each paying over ₹2,000 crore in commissions. These numbers show the important role of agents and intermediaries in distributing non-life insurance in India.
