Agriculture Insurance Company of India vs Digit General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Agriculture Insurance Company of India | Digit General Insurance | Period |
|---|---|---|---|
| Web Aggregators premium(size) | 0 ₹ lakh | 8 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 29611 count | Q1 FY26-27 |
| net worth growth rate(size) | 11.8 % | 12.0 % | Q1 FY26-27 |
| gross written premium(size) | 13 ₹ crore | 8472 ₹ crore | Q1 FY26-27 / FY25-03 |
| Other premium(size) | -3131 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| crop combined ratio | -82.4 % | 4.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 30.1 % | 4.2 % | Q1 FY26-27 |
| other investments(size) | 159885 INR_lakhs | 48690 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 163 ₹ lakh | 28943 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 329 ₹ crore | 86 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 1 ₹ lakh | 2201 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | -176.5 % | 7.3 % | Q1 FY26-27 |
| net yield (quarterly) | 6.31 % | 1.36 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1 count | 148999 count | Q1 FY26-27 |
| required solvency margin(size) | 175571 ₹ lakh | 200837 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | -8680 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY24-25 |
| Individual Agents premium(size) | 0 ₹ lakh | 14822 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 16.43 ₹ | 1.62 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| MISP (Direct) policies(size) | 0 count | 205332 count | Q1 FY26-27 |
| combined ratio | -162.7 % | 112.4 % | Q1 FY26-27 |
| book value per share(size) | 474.68 ₹ | 49.61 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| equity & preference shares(size) | 137903 INR_lakhs | 381576 INR_lakhs | Q1 FY26-27 |
| Other policies(size) | 63444 count | 0 count | Q1 FY26-27 / Q4 FY25-26 |
| profit before tax(size) | 451 ₹ crore | 115 ₹ crore | Q1 FY26-27 |
| Referral Arrangements premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 8727 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 22.3 % | 28.1 % | Q1 FY26-27 |
| solvency ratio | 4.65 × | 2.43 × | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | -1.00 × | 52.00 × | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 124437 count | 28987 count | Q1 FY26-27 |
| Micro Agents policies(size) | 2 count | 0 count | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 20.4 % | 29.3 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 0 count | 206 count | Q1 FY26-27 |
| net earning ratio | -781.1 % | 7.1 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | 32.0 % | -14.0 % | Q1 FY26-27 |
| mutual funds(size) | 163594 INR_lakhs | 50143 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -11.9 % | 29.4 % | Q1 FY26-27 |
| net retention ratio(size) | 72.4 % | 76.7 % | Q1 FY26-27 |
| govt + approved securities(size) | 44.3 % | 36.9 % | Q1 FY26-27 |
| available solvency margin(size) | 815927 ₹ lakh | 487296 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 28 count | 6348 count | Q1 FY26-27 |
| Brokers premium(size) | 660 ₹ lakh | 133957 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 142571 INR_lakhs | 295286 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 0 count | 228311 count | Q1 FY26-27 |
| crop incurred claims ratio | 72.9 % | -70.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 0 ₹ lakh | 13970 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 4663 count | 603920 count | Q1 FY26-27 |
| gross yield (quarterly) | 6.31 % | 1.82 % | Q1 FY26-27 |
| government securities(size) | 736336 INR_lakhs | 838284 INR_lakhs | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| Brokers policies(size) | 37423 count | 2801650 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 1932 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | -129.5 % | 39.0 % | Q1 FY26-27 |
| expense ratio | -235.9 % | 39.0 % | Q1 FY26-27 |
| operating profit ratio | 64.1 % | 3.5 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -208.9 % | -2.4 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | -5518 ₹ lakh | 442 ₹ lakh | Q1 FY26-27 |
| Referral Arrangements policies(size) | 0 count | 0 count | Q1 FY26-27 / Q4 FY25-26 |
| infrastructure & housing(size) | 338584 INR_lakhs | 680506 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 73.2 % | 73.3 % | Q1 FY26-27 |
| investment income ratio | 1.7 % | 1.8 % | Q1 FY26-27 |
| gross yield (annualized) | 6.79 % | 7.43 % | Q4 FY25-26 |
| net yield (annualized) | 6.79 % | 6.40 % | Q4 FY25-26 |
| other approved securities(size) | 389577 INR_lakhs | 36185 INR_lakhs | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 22.5 % | 90.7 % | FY24-25 |
| claims repudiation ratio | 0.00 % | 2.97 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.