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Acko General Insurance vs Chola MS General Insurance: IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricAcko General InsuranceChola MS General InsurancePeriod
personal accident incurred claims ratio36.0 %28.0 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh4 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh869 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)0 ₹ lakh6509 ₹ lakhQ1 FY26-27
required solvency margin(size)50918 ₹ lakh178009 ₹ lakhQ1 FY26-27
profit after tax(size)-29 ₹ crore86 ₹ croreQ1 FY26-27
other segment premium(size)4515 ₹ lakh997 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)0 count345097 countQ1 FY26-27
claim settlement ratio75.0 %74.5 %Q1 FY26-27 / FY24-25
central govt. securities(size)22.0 %25.4 %Q1 FY26-27
personal accident combined ratio67.0 %125.3 %Q1 FY26-27
MISP (Direct) policies(size)0 count29694 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh17032 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh396 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore1860 ₹ croreQ1 FY26-27
solvency ratio1.59 ×1.93 ×Q1 FY26-27
gross yield (quarterly)7.93 %7.19 %Q1 FY26-27
motor tp combined ratio98.0 %112.4 %Q1 FY26-27
liability segment premium(size)1727 ₹ lakh790 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count22600 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count21063 countQ1 FY26-27
fire combined ratio54.9 %80.9 %Q1 FY26-27
operating profit ratio-6.1 %4.3 %Q1 FY26-27
liquid assets to liabilities ratio27.0 %0.2 %Q1 FY26-27
expense ratio to gross premium43.9 %36.1 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh401 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh18866 ₹ lakhQ1 FY26-27
combined ratio111.7 %120.4 %Q1 FY26-27
net yield (quarterly)7.93 %5.38 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27 / Q1 FY25-26
Brokers policies(size)89415 count669428 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh33 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh19083 ₹ lakhQ1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count370101 countQ1 FY26-27
net worth growth rate(size)-1.4 %2.6 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count0 countQ1 FY26-27 / Q1 FY25-26
Brokers premium(size)15850 ₹ lakh89864 ₹ lakhQ1 FY26-27
expense ratio38.8 %34.8 %Q1 FY26-27
other investments(size)68748 INR_lakhs69712 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %84.2 %Q1 FY26-27
gross direct premium growth rate(size)42.3 %2.6 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh35216 ₹ lakhQ1 FY26-27
travel combined ratio48.0 %22.4 %Q1 FY26-27
return on net worth-3.6 %2.5 %Q1 FY26-27
motor od incurred claims ratio127.0 %86.3 %Q1 FY26-27
underwriting balance ratio-16.0 %-15.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh2891 ₹ lakhQ1 FY26-27
motor OD segment premium(size)11794 ₹ lakh57997 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %32.5 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count127301 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh22203 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %38.7 %Q1 FY26-27
travel incurred claims ratio30.0 %-20.0 %Q1 FY26-27
motor od combined ratio164.0 %141.2 %Q1 FY26-27
incurred claims ratio72.9 %85.6 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs370358 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %84.4 %Q1 FY26-27
profit before tax(size)-29 ₹ crore117 ₹ croreQ1 FY26-27
net earning ratio-4.1 %6.1 %Q1 FY26-27
available solvency margin(size)80829 ₹ lakh343228 ₹ lakhQ1 FY26-27
personal accident segment premium(size)504 ₹ lakh7194 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %96.8 %Q1 FY26-27
technical reserves to premium ratio(size)364.0 %9.8 %Q1 FY26-27
liability combined ratio94.0 %164.1 %Q1 FY26-27
claims paid to provisioned ratio(size)6.7 %7.2 %Q1 FY26-27
book value per share(size)2.94 ₹114.30 ₹Q1 FY26-27
motor TP segment premium(size)16719 ₹ lakh69798 ₹ lakhQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh6823 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q1 FY25-26
engineering segment premium(size)0 ₹ lakh1434 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %66.5 %Q1 FY26-27
investment income ratio8.0 %2.0 %Q1 FY26-27
government securities(size)139488 INR_lakhs733841 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs575389 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×54.00 ×Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q1 FY25-26
net commission ratio(size)11.9 %19.9 %Q1 FY26-27
earnings per share(size)-0.10 ₹2.88 ₹Q1 FY26-27
real estate & subsidiaries(size)11419 INR_lakhs3033 INR_lakhsQ1 FY26-27
gross yield (annualized)7.81 %7.70 %Q4 FY25-26
health combined ratio104.5 %122.3 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)7.81 %5.76 %Q4 FY25-26
health incurred claims ratio56.3 %103.6 %Q4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs167481 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %5.76 %FY24-25
gross NPA ratio1.18 %14.00 %Q1 FY21-22 / Q4 FY22-23
net NPA ratio0.59 %9.00 %Q1 FY21-22 / Q3 FY22-23

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Acko General Insurance
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Chola MS General Insurance
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