Bajaj Allianz General Insurance vs ECGC: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Bajaj Allianz General Insurance | ECGC | Period |
|---|---|---|---|
| net worth growth rate(size) | -13.8 % | 6.2 % | Q1 FY26-27 |
| debentures & bonds(size) | 749232 INR_lakhs | 107369 INR_lakhs | Q1 FY26-27 |
| combined ratio | 104.7 % | 188.0 % | Q1 FY26-27 |
| underwriting balance ratio | -5.0 % | -88.4 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 53.00 × | 200.00 × | Q1 FY26-27 |
| investment income ratio | 2.2 % | 6.9 % | Q1 FY26-27 |
| profit before tax(size) | 638 ₹ crore | 87 ₹ crore | Q1 FY26-27 |
| equity & preference shares(size) | 455012 INR_lakhs | 327808 INR_lakhs | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.3 % | 17.1 % | Q1 FY26-27 |
| central govt. securities(size) | 20.4 % | 20.6 % | Q1 FY26-27 |
| Brokers policies(size) | 2190021 count | 531 count | Q1 FY26-27 |
| gross direct premium growth rate(size) | 11.6 % | 7.1 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.5 % | 27.6 % | Q1 FY26-27 |
| other segment premium(size) | 65482 ₹ lakh | 34446 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 1042910 INR_lakhs | 927780 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 1.61 % | 5.37 % | Q1 FY26-27 |
| net earning ratio | 17.8 % | 170.9 % | Q1 FY26-27 / Q4 FY25-26 |
| govt + approved securities(size) | 30.9 % | 52.7 % | Q1 FY26-27 |
| operating profit ratio | 17.8 % | -59.3 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 100.0 % | Q1 FY26-27 |
| net retention ratio(size) | 46.4 % | 81.9 % | Q1 FY26-27 |
| net commission ratio(size) | 8.9 % | -3.5 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 2036111 count | 0 count | Q1 FY26-27 |
| profit after tax(size) | 478 ₹ crore | 65 ₹ crore | Q1 FY26-27 |
| other incurred claims ratio | 58.5 % | 159.5 % | Q1 FY26-27 |
| Brokers premium(size) | 281025 ₹ lakh | 6042 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 13.6 % | 70.0 % | Q1 FY26-27 |
| solvency ratio | 2.54 × | 56.14 × | Q1 FY26-27 |
| other combined ratio | 68.5 % | 188.0 % | Q1 FY26-27 |
| expense ratio | 30.4 % | 28.5 % | Q1 FY26-27 |
| gross yield (quarterly) | 2.15 % | 7.18 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 49617 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 8402 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 74.3 % | 159.5 % | Q1 FY26-27 |
| housing & infrastructure(size) | 29.5 % | 20.5 % | Q1 FY26-27 |
| other investments(size) | 1093056 INR_lakhs | 37598 INR_lakhs | Q1 FY26-27 |
| mutual funds(size) | 21015 INR_lakhs | 86726 INR_lakhs | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 6.46 % | 5.79 % | FY25-26 / Q4 FY25-26 |
| gross yield (annualized) | 8.64 % | 7.74 % | FY25-26 / Q4 FY25-26 |
| infrastructure & housing(size) | 27074 INR_lakhs | 380573 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 87.3 % | 39.0 % | Q2 FY25-26 / FY24-25 |
| gross written premium(size) | 21417 ₹ crore | 1367 ₹ crore | FY25-03 / FY24-25 |
| claims repudiation ratio | 1.79 % | 41.52 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.