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Agriculture Insurance Company of India vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricAgriculture Insurance Company of IndiaUniversal Sompo General InsurancePeriod
Web Aggregators premium(size)0 ₹ lakh919 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)0 count4758 countQ1 FY26-27
net worth growth rate(size)11.8 %12.0 %Q1 FY26-27
other combined ratio320.7 %60.0 %Q1 FY26-27 / Q4 FY25-26
gross written premium(size)13 ₹ crore5078 ₹ croreQ1 FY26-27 / FY25-03
crop combined ratio-82.4 %148.0 %Q1 FY26-27
claims paid to provisioned ratio(size)30.1 %20.1 %Q1 FY26-27
other investments(size)159885 INR_lakhs21552 INR_lakhsQ1 FY26-27
other incurred claims ratio76.8 %74.0 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) premium(size)163 ₹ lakh20072 ₹ lakhQ1 FY26-27
profit after tax(size)329 ₹ crore41 ₹ croreQ1 FY26-27
Corporate Agents – Banks premium(size)1 ₹ lakh11348 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)-176.5 %4.2 %Q1 FY26-27
net yield (quarterly)6.31 %5.36 %Q1 FY26-27
Individual Agents policies(size)1 count46866 countQ1 FY26-27
crop insurance segment premium(size)-8680 ₹ lakh2057 ₹ lakhQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh7540 ₹ lakhQ1 FY26-27
earnings per share(size)16.43 ₹1.52 ₹Q1 FY26-27 / Q4 FY25-26
combined ratio-162.7 %104.3 %Q1 FY26-27
book value per share(size)474.68 ₹50.20 ₹Q1 FY26-27 / Q4 FY25-26
equity & preference shares(size)137903 INR_lakhs42415 INR_lakhsQ1 FY26-27
profit before tax(size)451 ₹ crore55 ₹ croreQ1 FY26-27
central govt. securities(size)22.3 %25.0 %Q1 FY26-27
solvency ratio4.65 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
gross direct premium to net worth ratio(size)-1.00 ×93.00 ×Q1 FY26-27
Common Service Centres (CSC) policies(size)124437 count22916 countQ1 FY26-27
housing & infrastructure(size)20.4 %29.0 %Q1 FY26-27
Web Aggregators policies(size)0 count760 countQ1 FY26-27
net earning ratio-781.1 %5.8 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio32.0 %-8.0 %Q1 FY26-27
mutual funds(size)163594 INR_lakhs207 INR_lakhsQ1 FY26-27 / Q2 FY25-26
net commission ratio(size)-11.9 %10.4 %Q1 FY26-27
net retention ratio(size)72.4 %52.1 %Q1 FY26-27
govt + approved securities(size)44.3 %37.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)28 count129053 countQ1 FY26-27
Brokers premium(size)660 ₹ lakh108870 ₹ lakhQ1 FY26-27
debentures & bonds(size)142571 INR_lakhs167084 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)0 count22034 countQ1 FY26-27
crop incurred claims ratio72.9 %83.5 %Q1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh2597 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)4663 count146450 countQ1 FY26-27
gross yield (quarterly)6.31 %7.16 %Q1 FY26-27
government securities(size)736336 INR_lakhs263751 INR_lakhsQ1 FY26-27
Brokers policies(size)37423 count853611 countQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh507 ₹ lakhQ1 FY26-27
expense ratio to gross premium-129.5 %28.7 %Q1 FY26-27
expense ratio-235.9 %24.0 %Q1 FY26-27
operating profit ratio64.1 %4.6 %Q1 FY26-27
gross direct premium growth rate(size)-208.9 %33.5 %Q1 FY26-27
Common Service Centres (CSC) premium(size)-5518 ₹ lakh634 ₹ lakhQ1 FY26-27
infrastructure & housing(size)338584 INR_lakhs197661 INR_lakhsQ1 FY26-27
incurred claims ratio73.2 %80.3 %Q1 FY26-27
investment income ratio1.7 %1.8 %Q1 FY26-27
gross yield (annualized)6.79 %8.00 %Q4 FY25-26
net yield (annualized)6.79 %6.00 %Q4 FY25-26
other approved securities(size)389577 INR_lakhs6634 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claim settlement ratio22.5 %91.3 %FY24-25
claims repudiation ratio0.00 %1.76 %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
All IRDAI metrics →
Universal Sompo General Insurance
All IRDAI metrics →

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