Bajaj Allianz General Insurance vs Chola MS General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Bajaj Allianz General Insurance | Chola MS General Insurance | Period |
|---|---|---|---|
| net worth growth rate(size) | -13.8 % | 2.6 % | Q1 FY26-27 |
| debentures & bonds(size) | 749232 INR_lakhs | 575389 INR_lakhs | Q1 FY26-27 |
| combined ratio | 104.7 % | 120.4 % | Q1 FY26-27 |
| liability segment premium(size) | 2931 ₹ lakh | 790 ₹ lakh | Q1 FY26-27 |
| underwriting balance ratio | -5.0 % | -15.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 127141 count | 29694 count | Q1 FY26-27 |
| earnings per share(size) | 44.70 ₹ | 2.88 ₹ | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 5664 count | 0 count | Q1 FY26-27 / Q1 FY25-26 |
| gross direct premium to net worth ratio(size) | 53.00 × | 54.00 × | Q1 FY26-27 |
| investment income ratio | 2.2 % | 2.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 48.9 % | 84.2 % | Q1 FY26-27 |
| crop insurance segment premium(size) | -1976 ₹ lakh | 4 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 638 ₹ crore | 117 ₹ crore | Q1 FY26-27 |
| equity & preference shares(size) | 455012 INR_lakhs | 167481 INR_lakhs | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.3 % | 9.8 % | Q1 FY26-27 |
| aviation segment premium(size) | 503 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) premium(size) | 9048 ₹ lakh | 401 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 20.4 % | 25.4 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 51.0 % | 28.0 % | Q1 FY26-27 |
| Brokers policies(size) | 2190021 count | 669428 count | Q1 FY26-27 |
| net NPA ratio | 0.00 % | 9.00 % | Q1 FY26-27 / Q3 FY22-23 |
| crop combined ratio | 2971.0 % | 19.4 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 11.6 % | 2.6 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.5 % | 36.1 % | Q1 FY26-27 |
| travel combined ratio | 145.8 % | 22.4 % | Q1 FY26-27 |
| other segment premium(size) | 65482 ₹ lakh | 997 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 90.9 % | 103.6 % | Q1 FY26-27 |
| government securities(size) | 1042910 INR_lakhs | 733841 INR_lakhs | Q1 FY26-27 |
| travel segment premium(size) | 5721 ₹ lakh | 33 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | -563 ₹ lakh | 869 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | 3078.0 % | 7.1 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 104.1 % | 103.8 % | Q1 FY26-27 |
| net yield (quarterly) | 1.61 % | 5.38 % | Q1 FY26-27 |
| net earning ratio | 17.8 % | 6.1 % | Q1 FY26-27 |
| engineering incurred claims ratio | 56.3 % | 106.1 % | Q1 FY26-27 |
| govt + approved securities(size) | 30.9 % | 38.7 % | Q1 FY26-27 |
| marine hull combined ratio | 36.3 % | 0.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 89.7 % | 77.3 % | Q1 FY26-27 |
| health combined ratio | 108.7 % | 122.3 % | Q1 FY26-27 |
| liability combined ratio | 54.6 % | 164.1 % | Q1 FY26-27 |
| motor OD segment premium(size) | 79987 ₹ lakh | 57997 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 17.8 % | 4.3 % | Q1 FY26-27 |
| motor od incurred claims ratio | 76.6 % | 86.3 % | Q1 FY26-27 |
| net retention ratio(size) | 46.4 % | 66.5 % | Q1 FY26-27 |
| Individual Agents policies(size) | 653974 count | 22600 count | Q1 FY26-27 |
| gross NPA ratio | 0.00 % | 14.00 % | Q1 FY26-27 / Q4 FY22-23 |
| workmen's compensation segment premium(size) | 2548 ₹ lakh | 396 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 175965 ₹ lakh | 19083 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 86223 ₹ lakh | 6823 ₹ lakh | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY26-27 / Q1 FY25-26 |
| aviation combined ratio | 34.9 % | 0.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 18439 ₹ lakh | 6509 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 98274 count | 21063 count | Q1 FY26-27 |
| net commission ratio(size) | 8.9 % | 19.9 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 1433 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| book value per share(size) | 1021.05 ₹ | 114.30 ₹ | Q1 FY26-27 |
| personal accident segment premium(size) | 6026 ₹ lakh | 7194 ₹ lakh | Q1 FY26-27 |
| real estate & subsidiaries(size) | 20168 INR_lakhs | 3033 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 2036111 count | 345097 count | Q1 FY26-27 |
| engineering segment premium(size) | 18904 ₹ lakh | 1434 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 59.4 % | -20.0 % | Q1 FY26-27 |
| profit after tax(size) | 478 ₹ crore | 86 ₹ crore | Q1 FY26-27 |
| motor od combined ratio | 122.4 % | 141.2 % | Q1 FY26-27 |
| fire segment premium(size) | 90793 ₹ lakh | 18866 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 3261 ₹ lakh | 2891 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 322050 count | 127301 count | Q1 FY26-27 |
| Brokers premium(size) | 281025 ₹ lakh | 89864 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 13.6 % | 7.2 % | Q1 FY26-27 |
| personal accident combined ratio | 82.1 % | 125.3 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 11268 ₹ lakh | 35216 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 2.54 × | 1.93 × | Q1 FY26-27 |
| fire combined ratio | 5.3 % | 80.9 % | Q1 FY26-27 |
| motor tp combined ratio | 103.5 % | 112.4 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 51.0 % | 84.4 % | Q1 FY26-27 |
| liability incurred claims ratio | 25.7 % | 96.8 % | Q1 FY26-27 |
| expense ratio | 30.4 % | 34.8 % | Q1 FY26-27 |
| gross yield (quarterly) | 2.15 % | 7.19 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 49617 ₹ lakh | 17032 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 20919 ₹ lakh | 22203 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 106620 ₹ lakh | 69798 ₹ lakh | Q1 FY26-27 |
| engineering combined ratio | 26.7 % | 138.7 % | Q1 FY26-27 |
| marine cargo combined ratio | 123.4 % | 100.0 % | Q1 FY26-27 |
| aviation incurred claims ratio | 24.4 % | 0.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 67.6 % | 75.0 % | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| incurred claims ratio | 74.3 % | 85.6 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 1636367 count | 370101 count | Q1 FY26-27 |
| housing & infrastructure(size) | 29.5 % | 32.5 % | Q1 FY26-27 |
| other investments(size) | 1093056 INR_lakhs | 69712 INR_lakhs | Q1 FY26-27 |
| net yield (annualized) | 6.46 % | 5.76 % | FY25-26 / Q4 FY25-26 |
| gross yield (annualized) | 8.64 % | 7.70 % | FY25-26 / Q4 FY25-26 |
| infrastructure & housing(size) | 27074 INR_lakhs | 370358 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 87.3 % | 74.5 % | Q2 FY25-26 / FY24-25 |
| gross written premium(size) | 21417 ₹ crore | 1860 ₹ crore | FY25-03 / Q1 FY26-27 |
| claims repudiation ratio | 1.79 % | 5.76 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.