Agriculture Insurance Company of India vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Agriculture Insurance Company of India | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| Web Aggregators premium(size) | 0 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 765 count | Q1 FY26-27 |
| net worth growth rate(size) | 11.8 % | -17.0 % | Q1 FY26-27 |
| gross written premium(size) | 13 ₹ crore | 625 ₹ crore | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 30.1 % | 12.0 % | Q1 FY26-27 |
| other investments(size) | 159885 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 163 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 329 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 1 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | -176.5 % | 5.4 % | Q1 FY26-27 |
| net yield (quarterly) | 6.31 % | 7.04 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1 count | 6676 count | Q1 FY26-27 |
| crop insurance segment premium(size) | -8680 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 0 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 16.43 ₹ | -0.93 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| MISP (Direct) policies(size) | 0 count | 41 count | Q1 FY26-27 |
| combined ratio | -162.7 % | 132.0 % | Q1 FY26-27 |
| book value per share(size) | 474.68 ₹ | 14.75 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 451 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 22.3 % | 21.9 % | Q1 FY26-27 |
| solvency ratio | 4.65 × | 2.84 × | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | -1.00 × | 41.00 × | Q1 FY26-27 |
| Micro Agents policies(size) | 2 count | 4 count | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 20.4 % | 37.1 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 0 count | 53 count | Q1 FY26-27 |
| net earning ratio | -781.1 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | 32.0 % | -36.0 % | Q1 FY26-27 |
| net commission ratio(size) | -11.9 % | 21.0 % | Q1 FY26-27 |
| net retention ratio(size) | 72.4 % | 73.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 44.3 % | 32.8 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 28 count | 26983 count | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| Brokers premium(size) | 660 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 142571 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 0 count | 20705 count | Q1 FY26-27 |
| other segment premium(size) | 1272 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 0 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 4663 count | 15038 count | Q1 FY26-27 |
| gross yield (quarterly) | 6.31 % | 7.04 % | Q1 FY26-27 |
| government securities(size) | 736336 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 37423 count | 326637 count | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | -129.5 % | 37.0 % | Q1 FY26-27 |
| expense ratio | -235.9 % | 46.0 % | Q1 FY26-27 |
| operating profit ratio | 64.1 % | -23.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -208.9 % | 9.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 338584 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 73.2 % | 86.0 % | Q1 FY26-27 |
| investment income ratio | 1.7 % | 7.0 % | Q1 FY26-27 |
| gross yield (annualized) | 6.79 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 6.79 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| claim settlement ratio | 22.5 % | 80.2 % | FY24-25 / Q3 FY25-26 |
| claims repudiation ratio | 0.00 % | 3.79 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.