Agriculture Insurance Company of India vs Chola MS General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Agriculture Insurance Company of India | Chola MS General Insurance | Period |
|---|---|---|---|
| Insurance Marketing Firm policies(size) | 0 count | 0 count | Q1 FY26-27 / Q1 FY25-26 |
| net worth growth rate(size) | 11.8 % | 2.6 % | Q1 FY26-27 |
| gross written premium(size) | 13 ₹ crore | 1860 ₹ crore | Q1 FY26-27 |
| crop combined ratio | -82.4 % | 19.4 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 30.1 % | 7.2 % | Q1 FY26-27 |
| other investments(size) | 159885 INR_lakhs | 69712 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 163 ₹ lakh | 22203 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 329 ₹ crore | 86 ₹ crore | Q1 FY26-27 |
| net NPA ratio | 0.00 % | 9.00 % | Q1 FY26-27 / Q3 FY22-23 |
| Corporate Agents – Banks premium(size) | 1 ₹ lakh | 17032 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | -176.5 % | 9.8 % | Q1 FY26-27 |
| net yield (quarterly) | 6.31 % | 5.38 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1 count | 22600 count | Q1 FY26-27 |
| required solvency margin(size) | 175571 ₹ lakh | 178009 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | -8680 ₹ lakh | 4 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 0 ₹ lakh | 6823 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 16.43 ₹ | 2.88 ₹ | Q1 FY26-27 |
| MISP (Direct) policies(size) | 0 count | 29694 count | Q1 FY26-27 |
| combined ratio | -162.7 % | 120.4 % | Q1 FY26-27 |
| book value per share(size) | 474.68 ₹ | 114.30 ₹ | Q1 FY26-27 |
| equity & preference shares(size) | 137903 INR_lakhs | 167481 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 451 ₹ crore | 117 ₹ crore | Q1 FY26-27 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 401 ₹ lakh | Q1 FY26-27 |
| gross NPA ratio | 0.25 % | 14.00 % | Q1 FY26-27 / Q4 FY22-23 |
| central govt. securities(size) | 22.3 % | 25.4 % | Q1 FY26-27 |
| solvency ratio | 4.65 × | 1.93 × | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | -1.00 × | 54.00 × | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 124437 count | 21063 count | Q1 FY26-27 |
| Micro Agents policies(size) | 2 count | 0 count | Q1 FY26-27 / Q1 FY25-26 |
| housing & infrastructure(size) | 20.4 % | 32.5 % | Q1 FY26-27 |
| net earning ratio | -781.1 % | 6.1 % | Q1 FY26-27 |
| underwriting balance ratio | 32.0 % | -15.0 % | Q1 FY26-27 |
| net commission ratio(size) | -11.9 % | 19.9 % | Q1 FY26-27 |
| net retention ratio(size) | 72.4 % | 66.5 % | Q1 FY26-27 |
| govt + approved securities(size) | 44.3 % | 38.7 % | Q1 FY26-27 |
| available solvency margin(size) | 815927 ₹ lakh | 343228 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 28 count | 345097 count | Q1 FY26-27 |
| Brokers premium(size) | 660 ₹ lakh | 89864 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 142571 INR_lakhs | 575389 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 0 count | 370101 count | Q1 FY26-27 |
| crop incurred claims ratio | 72.9 % | 7.1 % | Q1 FY26-27 |
| other segment premium(size) | 1272 ₹ lakh | 997 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 0 ₹ lakh | 35216 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 4663 count | 127301 count | Q1 FY26-27 |
| gross yield (quarterly) | 6.31 % | 7.19 % | Q1 FY26-27 |
| government securities(size) | 736336 INR_lakhs | 733841 INR_lakhs | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| Brokers policies(size) | 37423 count | 669428 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| expense ratio to gross premium | -129.5 % | 36.1 % | Q1 FY26-27 |
| expense ratio | -235.9 % | 34.8 % | Q1 FY26-27 |
| operating profit ratio | 64.1 % | 4.3 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -208.9 % | 2.6 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | -5518 ₹ lakh | 869 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 338584 INR_lakhs | 370358 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 73.2 % | 85.6 % | Q1 FY26-27 |
| investment income ratio | 1.7 % | 2.0 % | Q1 FY26-27 |
| gross yield (annualized) | 6.79 % | 7.70 % | Q4 FY25-26 |
| net yield (annualized) | 6.79 % | 5.76 % | Q4 FY25-26 |
| claim settlement ratio | 22.5 % | 74.5 % | FY24-25 |
| claims repudiation ratio | 0.00 % | 5.76 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.