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Acko General Insurance vs HDFC ERGO General Insurance: IRDAI Data Comparison

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

MetricAcko General InsuranceHDFC ERGO General InsurancePeriod
personal accident incurred claims ratio36.0 %39.8 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh2154 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh537 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)0 ₹ lakh7067 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)0 count501 countQ1 FY26-27
required solvency margin(size)50918 ₹ lakh296136 ₹ lakhQ1 FY26-27 / Q1 FY25-26
profit after tax(size)-29 ₹ crore220 ₹ croreQ1 FY26-27
other segment premium(size)4515 ₹ lakh30587 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)0 count5266250 countQ1 FY26-27
claim settlement ratio75.0 %93.5 %Q1 FY26-27 / FY24-25
central govt. securities(size)22.0 %21.0 %Q1 FY26-27
personal accident combined ratio67.0 %16.7 %Q1 FY26-27
MISP (Direct) policies(size)0 count156053 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh43666 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1455 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore15025 ₹ croreQ1 FY26-27 / Q4 FY25-26
solvency ratio1.59 ×2.18 ×Q1 FY26-27
gross yield (quarterly)7.93 %1.90 %Q1 FY26-27
motor tp combined ratio98.0 %135.8 %Q1 FY26-27
liability segment premium(size)1727 ₹ lakh307 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count379289 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count11146 countQ1 FY26-27
fire combined ratio54.9 %19.1 %Q1 FY26-27
operating profit ratio-6.1 %12.3 %Q1 FY26-27
expense ratio to gross premium43.9 %31.8 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh2214 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh52442 ₹ lakhQ1 FY26-27
combined ratio111.7 %110.6 %Q1 FY26-27
Brokers policies(size)89415 count1365293 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh2337 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh196532 ₹ lakhQ1 FY26-27
aviation segment premium(size)0 ₹ lakh455 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count697055 countQ1 FY26-27
net worth growth rate(size)-1.4 %13.3 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count8180 countQ1 FY26-27
Brokers premium(size)15850 ₹ lakh188322 ₹ lakhQ1 FY26-27
expense ratio38.8 %23.1 %Q1 FY26-27
other investments(size)68748 INR_lakhs181546 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %95.5 %Q1 FY26-27
gross direct premium growth rate(size)42.3 %20.6 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh14865 ₹ lakhQ1 FY26-27
travel combined ratio48.0 %107.0 %Q1 FY26-27
motor od incurred claims ratio127.0 %69.1 %Q1 FY26-27
underwriting balance ratio-16.0 %-13.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh330 ₹ lakhQ1 FY26-27
motor OD segment premium(size)11794 ₹ lakh54367 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh66 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %29.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count41840 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh3130 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %39.0 %Q1 FY26-27
travel incurred claims ratio30.0 %55.8 %Q1 FY26-27
motor od combined ratio164.0 %220.8 %Q1 FY26-27
incurred claims ratio72.9 %87.5 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs826433 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %95.0 %Q1 FY26-27
profit before tax(size)-29 ₹ crore292 ₹ croreQ1 FY26-27
net earning ratio-4.1 %8.3 %Q1 FY26-27 / Q4 FY25-26
available solvency margin(size)80829 ₹ lakh611446 ₹ lakhQ1 FY26-27 / Q1 FY25-26
personal accident segment premium(size)504 ₹ lakh19680 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %-72.0 %Q1 FY26-27
technical reserves to premium ratio(size)364.0 %8.8 %Q1 FY26-27
liability combined ratio94.0 %-70.2 %Q1 FY26-27
claims paid to provisioned ratio(size)6.7 %6.0 %Q1 FY26-27
book value per share(size)2.94 ₹75.22 ₹Q1 FY26-27 / Q4 FY25-26
motor TP segment premium(size)16719 ₹ lakh34409 ₹ lakhQ1 FY26-27
mutual funds(size)16958 INR_lakhs568 INR_lakhsQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh96034 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh1236 ₹ lakhQ1 FY26-27
engineering segment premium(size)0 ₹ lakh10406 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %44.8 %Q1 FY26-27
investment income ratio8.0 %1.9 %Q1 FY26-27
government securities(size)139488 INR_lakhs659572 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs342633 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×72.00 ×Q1 FY26-27
net commission ratio(size)11.9 %-6.3 %Q1 FY26-27
earnings per share(size)-0.10 ₹11.20 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.81 %8.20 %Q4 FY25-26
health combined ratio104.5 %105.5 %Q4 FY25-26 / Q1 FY26-27
health incurred claims ratio56.3 %90.8 %Q4 FY25-26 / Q1 FY26-27
other approved securities(size)2372 INR_lakhs456090 INR_lakhsQ4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs409656 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %1.59 %FY24-25
gross NPA ratio1.18 %0.57 %Q1 FY21-22 / Q4 FY25-26
net NPA ratio0.59 %0.00 %Q1 FY21-22 / Q4 FY25-26

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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HDFC ERGO General Insurance
All IRDAI metrics →

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