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Bajaj Allianz General Insurance vs Generali Central Insurance (formerly Future Generali): IRDAI Data Comparison

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

MetricBajaj Allianz General InsuranceGenerali Central Insurance (formerly Future Generali)Period
net worth growth rate(size)-13.8 %-6.8 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs191956 INR_lakhsQ1 FY26-27
combined ratio104.7 %127.9 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh1119 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-29.5 %Q1 FY26-27
MISP (Direct) policies(size)127141 count2511 countQ1 FY26-27
Web Aggregators policies(size)2730 count117 countQ1 FY26-27
earnings per share(size)44.70 ₹0.06 ₹Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)5664 count10969 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×78.90 ×Q1 FY26-27
investment income ratio2.2 %1.9 %Q1 FY26-27
fire incurred claims ratio48.9 %137.0 %Q1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh-155 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore-112 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs21690 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %695.3 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh571 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %24.3 %Q1 FY26-27
personal accident incurred claims ratio51.0 %90.0 %Q1 FY26-27
Brokers policies(size)2190021 count204212 countQ1 FY26-27
crop combined ratio2971.0 %1418.0 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %-4.5 %Q1 FY26-27
expense ratio to gross premium29.5 %29.5 %Q1 FY26-27
travel combined ratio145.8 %162.0 %Q1 FY26-27
other segment premium(size)65482 ₹ lakh7301 ₹ lakhQ1 FY26-27 / Q2 FY22-23
health incurred claims ratio90.9 %71.0 %Q1 FY26-27
government securities(size)1042910 INR_lakhs386901 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh171 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
crop incurred claims ratio3078.0 %318.0 %Q1 FY26-27
Direct Business – Online premium(size)2189 ₹ lakh19042 ₹ lakhQ1 FY26-27 / Q3 FY25-26
workmen's compensation combined ratio104.1 %173.0 %Q1 FY26-27
net yield (quarterly)1.61 %1.38 %Q1 FY26-27
net earning ratio17.8 %0.8 %Q1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio56.3 %116.0 %Q1 FY26-27
govt + approved securities(size)30.9 %47.2 %Q1 FY26-27
marine hull combined ratio36.3 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %156.0 %Q1 FY26-27
health combined ratio108.7 %103.0 %Q1 FY26-27
liability combined ratio54.6 %26.0 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh24921 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-14.7 %Q1 FY26-27
motor od incurred claims ratio76.6 %89.0 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
net retention ratio(size)46.4 %72.6 %Q1 FY26-27
Individual Agents policies(size)653974 count82090 countQ1 FY26-27
gross NPA ratio0.00 %0.36 %Q1 FY26-27 / Q3 FY24-25
workmen's compensation segment premium(size)2548 ₹ lakh890 ₹ lakhQ1 FY26-27
health segment premium(size)175965 ₹ lakh33875 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh16592 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count5 countQ1 FY26-27
aviation combined ratio34.9 %0.0 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh5649 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count0 countQ1 FY26-27 / Q4 FY25-26
net commission ratio(size)8.9 %21.2 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh892 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹10.91 ₹Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6026 ₹ lakh6133 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh15 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count188536 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh3438 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %89.0 %Q1 FY26-27
profit after tax(size)478 ₹ crore-84 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %132.0 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh15519 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count39965 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh70748 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %12.3 %Q1 FY26-27
personal accident combined ratio82.1 %116.0 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh3454 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×1.96 ×Q1 FY26-27 / Q4 FY24-25
fire combined ratio5.3 %186.0 %Q1 FY26-27
motor tp combined ratio103.5 %121.0 %Q1 FY26-27
motor tp incurred claims ratio51.0 %82.0 %Q1 FY26-27
gross npa ratio0.00 %0.23 %Q1 FY26-27 / Q1 FY25-26
liability incurred claims ratio25.7 %-5.0 %Q1 FY26-27
expense ratio30.4 %40.2 %Q1 FY26-27
gross yield (quarterly)2.15 %1.84 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh8421 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh5371 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)32012 count28218 countQ1 FY26-27 / Q3 FY25-26
motor TP segment premium(size)106620 ₹ lakh19610 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %205.0 %Q1 FY26-27
marine cargo combined ratio123.4 %193.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs1831 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %100.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %135.0 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %90.1 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count24555 countQ1 FY26-27
housing & infrastructure(size)29.5 %24.1 %Q1 FY26-27
other investments(size)1093056 INR_lakhs19050 INR_lakhsQ1 FY26-27
net yield (annualized)6.46 %5.80 %FY25-26
gross yield (annualized)8.64 %7.53 %FY25-26
infrastructure & housing(size)27074 INR_lakhs197862 INR_lakhsQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %88.2 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore1458 ₹ croreFY25-03 / Q1 FY24-25
claims repudiation ratio1.79 %3.12 %FY24-25

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

Individual profiles

Bajaj Allianz General Insurance
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Generali Central Insurance (formerly Future Generali)
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