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Acko General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricAcko General InsuranceRoyal Sundaram General InsurancePeriod
personal accident incurred claims ratio36.0 %70.5 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)0 ₹ lakh2622 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)0 count21 countQ1 FY26-27
required solvency margin(size)50918 ₹ lakh89975 ₹ lakhQ1 FY26-27
profit after tax(size)-29 ₹ crore27 ₹ croreQ1 FY26-27
Corporate Agents – Banks policies(size)0 count8526 countQ1 FY26-27
claim settlement ratio75.0 %82.1 %Q1 FY26-27 / FY24-25
central govt. securities(size)22.0 %21.8 %Q1 FY26-27
personal accident combined ratio67.0 %117.8 %Q1 FY26-27
MISP (Direct) policies(size)0 count1660 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh1366 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh456 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore3763 ₹ croreQ1 FY26-27 / FY25-03
solvency ratio1.59 ×2.05 ×Q1 FY26-27
gross yield (quarterly)7.93 %2.46 %Q1 FY26-27
motor tp combined ratio98.0 %115.5 %Q1 FY26-27
liability segment premium(size)1727 ₹ lakh550 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count50754 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
fire combined ratio54.9 %110.0 %Q1 FY26-27
operating profit ratio-6.1 %0.0 %Q1 FY26-27
expense ratio to gross premium43.9 %28.7 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh210 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh10449 ₹ lakhQ1 FY26-27
combined ratio111.7 %116.3 %Q1 FY26-27
net yield (quarterly)7.93 %2.46 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
Brokers policies(size)89415 count290309 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh41 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh42686 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count19250 countQ1 FY26-27
net worth growth rate(size)-1.4 %2.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count4219 countQ1 FY26-27
Brokers premium(size)15850 ₹ lakh92437 ₹ lakhQ1 FY26-27
Other premium(size)0 ₹ lakh4055 ₹ lakhQ1 FY26-27
expense ratio38.8 %30.3 %Q1 FY26-27
other investments(size)68748 INR_lakhs104613 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %65.2 %Q1 FY26-27
gross direct premium growth rate(size)42.3 %10.8 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh6831 ₹ lakhQ1 FY26-27
travel combined ratio48.0 %72.0 %Q1 FY26-27
motor od incurred claims ratio127.0 %84.2 %Q1 FY26-27
underwriting balance ratio-16.0 %-21.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)11794 ₹ lakh25303 ₹ lakhQ1 FY26-27
Other policies(size)0 count4951 countQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %30.8 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count61893 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh13477 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %32.0 %Q1 FY26-27
travel incurred claims ratio30.0 %24.3 %Q1 FY26-27
motor od combined ratio164.0 %132.7 %Q1 FY26-27
incurred claims ratio72.9 %86.0 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs156865 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %80.4 %Q1 FY26-27
profit before tax(size)-29 ₹ crore37 ₹ croreQ1 FY26-27
net earning ratio-4.1 %2.5 %Q1 FY26-27 / Q4 FY25-26
available solvency margin(size)80829 ₹ lakh184006 ₹ lakhQ1 FY26-27
personal accident segment premium(size)504 ₹ lakh2622 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %25.8 %Q1 FY26-27
technical reserves to premium ratio(size)364.0 %7.6 %Q1 FY26-27
liability combined ratio94.0 %71.1 %Q1 FY26-27
claims paid to provisioned ratio(size)6.7 %9.6 %Q1 FY26-27
book value per share(size)2.94 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
motor TP segment premium(size)16719 ₹ lakh40596 ₹ lakhQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh8787 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh313 ₹ lakhQ1 FY26-27
engineering segment premium(size)0 ₹ lakh2550 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %81.0 %Q1 FY26-27
investment income ratio8.0 %2.4 %Q1 FY26-27
government securities(size)139488 INR_lakhs316446 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs329442 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×69.00 ×Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
net commission ratio(size)11.9 %19.3 %Q1 FY26-27
earnings per share(size)-0.10 ₹0.59 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.81 %8.49 %Q4 FY25-26
health combined ratio104.5 %112.2 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)7.81 %8.49 %Q4 FY25-26
health incurred claims ratio56.3 %100.2 %Q4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs95946 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %5.03 %FY24-25
gross NPA ratio1.18 %0.06 %Q1 FY21-22 / Q4 FY25-26
net NPA ratio0.59 %0.01 %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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Royal Sundaram General Insurance
All IRDAI metrics →

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