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Acko General Insurance vs Kshema General Insurance: IRDAI Data Comparison

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

MetricAcko General InsuranceKshema General InsurancePeriod
personal accident incurred claims ratio36.0 %31.0 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh1537 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh586 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)0 count0 countQ1 FY26-27
required solvency margin(size)50918 ₹ lakh11309 ₹ lakhQ1 FY26-27
profit after tax(size)-29 ₹ crore-65 ₹ croreQ1 FY26-27
other segment premium(size)4515 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)0 count231529 countQ1 FY26-27
claim settlement ratio75.0 %42.7 %Q1 FY26-27 / Q1 FY25-26
central govt. securities(size)22.0 %29.3 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
personal accident combined ratio67.0 %406.4 %Q1 FY26-27
MISP (Direct) policies(size)0 count0 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh942 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore281 ₹ croreQ1 FY26-27
solvency ratio1.59 ×1.53 ×Q1 FY26-27
gross yield (quarterly)7.93 %0.06 %Q1 FY26-27 / Q3 FY25-26
motor tp combined ratio98.0 %164.8 %Q1 FY26-27 / Q4 FY25-26
liability segment premium(size)1727 ₹ lakh50 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count0 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count29728 countQ1 FY26-27
fire combined ratio54.9 %97.4 %Q1 FY26-27
operating profit ratio-6.1 %-514.4 %Q1 FY26-27
expense ratio to gross premium43.9 %170.6 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh20 ₹ lakhQ1 FY26-27
combined ratio111.7 %500.5 %Q1 FY26-27
net yield (quarterly)7.93 %0.06 %Q1 FY26-27 / Q3 FY25-26
Micro Agents policies(size)0 count0 countQ1 FY26-27
Brokers policies(size)89415 count9303 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh855 ₹ lakhQ1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count0 countQ1 FY26-27
net worth growth rate(size)-1.4 %0.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count0 countQ1 FY26-27
Brokers premium(size)15850 ₹ lakh1853 ₹ lakhQ1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio38.8 %201.7 %Q1 FY26-27
other investments(size)68748 INR_lakhs3160 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %97.4 %Q1 FY26-27
gross direct premium growth rate(size)42.3 %-96.8 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh0 ₹ lakhQ1 FY26-27
motor od incurred claims ratio127.0 %100.5 %Q1 FY26-27
underwriting balance ratio-16.0 %-632.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor OD segment premium(size)11794 ₹ lakh0 ₹ lakhQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %22.3 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count0 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %34.6 %Q1 FY26-27
motor od combined ratio164.0 %310.9 %Q1 FY26-27
incurred claims ratio72.9 %298.8 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs6538 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %88.6 %Q1 FY26-27 / Q4 FY25-26
profit before tax(size)-29 ₹ crore-65 ₹ croreQ1 FY26-27
net earning ratio-4.1 %-227.4 %Q1 FY26-27
available solvency margin(size)80829 ₹ lakh17252 ₹ lakhQ1 FY26-27
personal accident segment premium(size)504 ₹ lakh6 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %80.9 %Q1 FY26-27
technical reserves to premium ratio(size)364.0 %611.9 %Q1 FY26-27
liability combined ratio94.0 %253.8 %Q1 FY26-27
claims paid to provisioned ratio(size)6.7 %100.0 %Q1 FY26-27
book value per share(size)2.94 ₹10.00 ₹Q1 FY26-27
motor TP segment premium(size)16719 ₹ lakh924 ₹ lakhQ1 FY26-27
mutual funds(size)16958 INR_lakhs2147 INR_lakhsQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)0 ₹ lakh5 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %84.0 %Q1 FY26-27
investment income ratio8.0 %6.0 %Q1 FY26-27
government securities(size)139488 INR_lakhs10124 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs6044 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×12.81 ×Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
net commission ratio(size)11.9 %18.9 %Q1 FY26-27
earnings per share(size)-0.10 ₹-2.60 ₹Q1 FY26-27
gross yield (annualized)7.81 %0.07 %Q4 FY25-26 / FY24-25
health combined ratio104.5 %266.9 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)7.81 %0.07 %Q4 FY25-26 / FY24-25
health incurred claims ratio56.3 %94.0 %Q4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs1074 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %52.74 %FY24-25

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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Kshema General Insurance
All IRDAI metrics →

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