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Agriculture Insurance Company of India vs National Insurance Company: IRDAI Data Comparison

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

MetricAgriculture Insurance Company of IndiaNational Insurance CompanyPeriod
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)0 count825 countQ1 FY26-27
other combined ratio320.7 %98.6 %Q1 FY26-27
gross written premium(size)13 ₹ crore16833 ₹ croreQ1 FY26-27 / FY25-03
Other premium(size)-3131 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio-82.4 %76.4 %Q1 FY26-27
other investments(size)159885 INR_lakhs60405 INR_lakhsQ1 FY26-27
other incurred claims ratio76.8 %56.1 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)163 ₹ lakh11084 ₹ lakhQ1 FY26-27
profit after tax(size)329 ₹ crore-496 ₹ croreQ1 FY26-27
Corporate Agents – Banks premium(size)1 ₹ lakh1179 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)-176.5 %913.0 %Q1 FY26-27
net yield (quarterly)6.31 %7.06 %Q1 FY26-27
Individual Agents policies(size)1 count1329274 countQ1 FY26-27
required solvency margin(size)175571 ₹ lakh456132 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-8680 ₹ lakh1217 ₹ lakhQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh149079 ₹ lakhQ1 FY26-27
earnings per share(size)16.43 ₹-0.53 ₹Q1 FY26-27
MISP (Direct) policies(size)0 count1896 countQ1 FY26-27
combined ratio-162.7 %134.4 %Q1 FY26-27
book value per share(size)474.68 ₹-4.87 ₹Q1 FY26-27
gross npa (amount)0 INR_lakhs21708 INR_lakhsQ1 FY26-27
equity & preference shares(size)137903 INR_lakhs1314528 INR_lakhsQ1 FY26-27
Other policies(size)63444 count0 countQ1 FY26-27
profit before tax(size)451 ₹ crore-496 ₹ croreQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh264 ₹ lakhQ1 FY26-27
gross NPA ratio0.25 %0.75 %Q1 FY26-27
central govt. securities(size)22.3 %21.2 %Q1 FY26-27
solvency ratio4.65 ×-1.22 ×Q1 FY26-27
gross direct premium to net worth ratio(size)-1.00 ×-92.00 ×Q1 FY26-27
Common Service Centres (CSC) policies(size)124437 count0 countQ1 FY26-27
Micro Agents policies(size)2 count0 countQ1 FY26-27
housing & infrastructure(size)20.4 %16.8 %Q1 FY26-27
Web Aggregators policies(size)0 count15 countQ1 FY26-27
net earning ratio-781.1 %-13.5 %Q1 FY26-27
underwriting balance ratio32.0 %-36.0 %Q1 FY26-27
mutual funds(size)163594 INR_lakhs117077 INR_lakhsQ1 FY26-27
net commission ratio(size)-11.9 %10.7 %Q1 FY26-27
net retention ratio(size)72.4 %85.1 %Q1 FY26-27
govt + approved securities(size)44.3 %41.7 %Q1 FY26-27
available solvency margin(size)815927 ₹ lakh-557749 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)28 count4516 countQ1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
Brokers premium(size)660 ₹ lakh172211 ₹ lakhQ1 FY26-27
debentures & bonds(size)142571 INR_lakhs422924 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)0 count11710 countQ1 FY26-27
crop incurred claims ratio72.9 %47.9 %Q1 FY26-27
other segment premium(size)1272 ₹ lakh14971 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh943 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)4663 count156008 countQ1 FY26-27
gross yield (quarterly)6.31 %10.69 %Q1 FY26-27
government securities(size)736336 INR_lakhs1219327 INR_lakhsQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers policies(size)37423 count1425107 countQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh231 ₹ lakhQ1 FY26-27
expense ratio to gross premium-129.5 %31.8 %Q1 FY26-27
expense ratio-235.9 %35.4 %Q1 FY26-27
operating profit ratio64.1 %-12.8 %Q1 FY26-27
gross direct premium growth rate(size)-208.9 %7.8 %Q1 FY26-27
Common Service Centres (CSC) premium(size)-5518 ₹ lakh0 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
infrastructure & housing(size)338584 INR_lakhs255830 INR_lakhsQ1 FY26-27
incurred claims ratio73.2 %98.9 %Q1 FY26-27
investment income ratio1.7 %9.8 %Q1 FY26-27
gross yield (annualized)6.79 %11.98 %Q4 FY25-26
net yield (annualized)6.79 %7.91 %Q4 FY25-26
other approved securities(size)389577 INR_lakhs929 INR_lakhsQ1 FY25-26 / Q3 FY25-26
claim settlement ratio22.5 %52.7 %FY24-25 / Q1 FY26-27
claims repudiation ratio0.00 %4.68 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Agriculture Insurance Company of India
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National Insurance Company
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