Agriculture Insurance Company of India vs HDFC ERGO General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Agriculture Insurance Company of India | HDFC ERGO General Insurance | Period |
|---|---|---|---|
| Web Aggregators premium(size) | 0 ₹ lakh | 66 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 8180 count | Q1 FY26-27 |
| net worth growth rate(size) | 11.8 % | 13.3 % | Q1 FY26-27 |
| gross written premium(size) | 13 ₹ crore | 15025 ₹ crore | Q1 FY26-27 / Q4 FY25-26 |
| crop combined ratio | -82.4 % | 327.3 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 30.1 % | 6.0 % | Q1 FY26-27 |
| other investments(size) | 159885 INR_lakhs | 181546 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 163 ₹ lakh | 3130 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 329 ₹ crore | 220 ₹ crore | Q1 FY26-27 |
| net NPA ratio | 0.00 % | 0.00 % | Q1 FY26-27 / Q1 FY25-26 |
| Corporate Agents – Banks premium(size) | 1 ₹ lakh | 43666 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | -176.5 % | 8.8 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1 count | 379289 count | Q1 FY26-27 |
| required solvency margin(size) | 175571 ₹ lakh | 296136 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| crop insurance segment premium(size) | -8680 ₹ lakh | 2154 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 0 ₹ lakh | 96034 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 16.43 ₹ | 2.86 ₹ | Q1 FY26-27 / Q1 FY25-26 |
| MISP (Direct) policies(size) | 0 count | 156053 count | Q1 FY26-27 |
| combined ratio | -162.7 % | 110.6 % | Q1 FY26-27 |
| book value per share(size) | 474.68 ₹ | 69.85 ₹ | Q1 FY26-27 / Q1 FY25-26 |
| gross npa (amount) | 0 INR_lakhs | 15957 INR_lakhs | Q1 FY26-27 |
| equity & preference shares(size) | 137903 INR_lakhs | 409656 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 451 ₹ crore | 292 ₹ crore | Q1 FY26-27 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 2214 ₹ lakh | Q1 FY26-27 |
| gross NPA ratio | 0.25 % | 0.59 % | Q1 FY26-27 / Q1 FY25-26 |
| central govt. securities(size) | 22.3 % | 21.0 % | Q1 FY26-27 |
| solvency ratio | 4.65 × | 2.18 × | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | -1.00 × | 72.00 × | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 124437 count | 11146 count | Q1 FY26-27 |
| housing & infrastructure(size) | 20.4 % | 29.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 0 count | 501 count | Q1 FY26-27 |
| net earning ratio | -781.1 % | 12.4 % | Q1 FY26-27 / Q1 FY25-26 |
| underwriting balance ratio | 32.0 % | -13.0 % | Q1 FY26-27 |
| mutual funds(size) | 163594 INR_lakhs | 568 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -11.9 % | -6.3 % | Q1 FY26-27 |
| net retention ratio(size) | 72.4 % | 44.8 % | Q1 FY26-27 |
| govt + approved securities(size) | 44.3 % | 39.0 % | Q1 FY26-27 |
| available solvency margin(size) | 815927 ₹ lakh | 611446 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| Corporate Agents – Banks policies(size) | 28 count | 5266250 count | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 100.0 % | Q1 FY26-27 |
| Brokers premium(size) | 660 ₹ lakh | 188322 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 142571 INR_lakhs | 342633 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 0 count | 697055 count | Q1 FY26-27 |
| crop incurred claims ratio | 72.9 % | 105.5 % | Q1 FY26-27 |
| other segment premium(size) | 1272 ₹ lakh | 30587 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 0 ₹ lakh | 14865 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 4663 count | 41840 count | Q1 FY26-27 |
| gross yield (quarterly) | 6.31 % | 1.90 % | Q1 FY26-27 |
| government securities(size) | 736336 INR_lakhs | 659572 INR_lakhs | Q1 FY26-27 |
| Brokers policies(size) | 37423 count | 1365293 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 1236 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | -129.5 % | 31.8 % | Q1 FY26-27 |
| expense ratio | -235.9 % | 23.1 % | Q1 FY26-27 |
| operating profit ratio | 64.1 % | 12.3 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -208.9 % | 20.6 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | -5518 ₹ lakh | 537 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 338584 INR_lakhs | 826433 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 73.2 % | 87.5 % | Q1 FY26-27 |
| investment income ratio | 1.7 % | 1.9 % | Q1 FY26-27 |
| gross yield (annualized) | 6.79 % | 8.20 % | Q4 FY25-26 |
| other approved securities(size) | 389577 INR_lakhs | 456090 INR_lakhs | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 22.5 % | 93.5 % | FY24-25 |
| claims repudiation ratio | 0.00 % | 1.59 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.