Agriculture Insurance Company of India vs Liberty General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Agriculture Insurance Company of India | Liberty General Insurance | Period |
|---|---|---|---|
| Web Aggregators premium(size) | 0 ₹ lakh | 2 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 1038 count | Q1 FY26-27 |
| net worth growth rate(size) | 11.8 % | 55.0 % | Q1 FY26-27 |
| gross written premium(size) | 13 ₹ crore | 2246 ₹ crore | Q1 FY26-27 / FY25-03 |
| claims paid to provisioned ratio(size) | 30.1 % | 54.0 % | Q1 FY26-27 |
| other investments(size) | 159885 INR_lakhs | 500 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 163 ₹ lakh | 6562 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 329 ₹ crore | -24 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 1 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | -176.5 % | 6.5 % | Q1 FY26-27 |
| net yield (quarterly) | 6.31 % | 7.29 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1 count | 37728 count | Q1 FY26-27 |
| Individual Agents premium(size) | 0 ₹ lakh | 4384 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 0 count | 20273 count | Q1 FY26-27 |
| combined ratio | -162.7 % | 121.0 % | Q1 FY26-27 |
| equity & preference shares(size) | 137903 INR_lakhs | 500 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| profit before tax(size) | 451 ₹ crore | -24 ₹ crore | Q1 FY26-27 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 796 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 22.3 % | 22.0 % | Q1 FY26-27 |
| solvency ratio | 4.65 × | 1.75 × | Q1 FY26-27 / Q4 FY24-25 |
| gross direct premium to net worth ratio(size) | -1.00 × | 49.00 × | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 124437 count | 0 count | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 20.4 % | 35.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 0 count | 4 count | Q1 FY26-27 |
| underwriting balance ratio | 32.0 % | -15.0 % | Q1 FY26-27 |
| mutual funds(size) | 163594 INR_lakhs | 4843 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -11.9 % | 26.0 % | Q1 FY26-27 |
| net retention ratio(size) | 72.4 % | 91.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 44.3 % | 35.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 28 count | 4 count | Q1 FY26-27 |
| Brokers premium(size) | 660 ₹ lakh | 61880 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 142571 INR_lakhs | 165678 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 0 count | 20294 count | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 0 ₹ lakh | 2000 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 4663 count | 70385 count | Q1 FY26-27 |
| gross yield (quarterly) | 6.31 % | 7.29 % | Q1 FY26-27 |
| government securities(size) | 736336 INR_lakhs | 174603 INR_lakhs | Q1 FY26-27 |
| Brokers policies(size) | 37423 count | 614443 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 135 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | -129.5 % | 39.0 % | Q1 FY26-27 |
| expense ratio | -235.9 % | 40.0 % | Q1 FY26-27 |
| operating profit ratio | 64.1 % | -6.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -208.9 % | 23.0 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | -5518 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| infrastructure & housing(size) | 338584 INR_lakhs | 208064 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 73.2 % | 81.0 % | Q1 FY26-27 |
| investment income ratio | 1.7 % | 7.3 % | Q1 FY26-27 |
| gross yield (annualized) | 6.79 % | 7.42 % | Q4 FY25-26 |
| net yield (annualized) | 6.79 % | 7.42 % | Q4 FY25-26 |
| other approved securities(size) | 389577 INR_lakhs | 32779 INR_lakhs | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 22.5 % | 87.6 % | FY24-25 |
| claims repudiation ratio | 0.00 % | 3.06 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.