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Bajaj Allianz General Insurance vs Digit General Insurance: IRDAI Data Comparison

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

MetricBajaj Allianz General InsuranceDigit General InsurancePeriod
net worth growth rate(size)-13.8 %12.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs295286 INR_lakhsQ1 FY26-27
combined ratio104.7 %112.4 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh5 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-14.0 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)0 count21888 countQ1 FY26-27
MISP (Direct) policies(size)127141 count205332 countQ1 FY26-27
Web Aggregators policies(size)2730 count206 countQ1 FY26-27
earnings per share(size)44.70 ₹1.62 ₹Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)5664 count29611 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×52.00 ×Q1 FY26-27
investment income ratio2.2 %1.8 %Q1 FY26-27
fire incurred claims ratio48.9 %83.0 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh36113 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY24-25
profit before tax(size)638 ₹ crore115 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs381576 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %7.3 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh42 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh8727 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %28.1 %Q1 FY26-27
personal accident incurred claims ratio51.0 %83.2 %Q1 FY26-27
Brokers policies(size)2190021 count2801650 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
crop combined ratio2971.0 %4.0 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %-2.4 %Q1 FY26-27
expense ratio to gross premium29.5 %39.0 %Q1 FY26-27
travel combined ratio145.8 %112.8 %Q1 FY26-27
health incurred claims ratio90.9 %88.7 %Q1 FY26-27
government securities(size)1042910 INR_lakhs838284 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh1294 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh442 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %-70.0 %Q1 FY26-27
Direct Business – Online premium(size)2189 ₹ lakh3562 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio104.1 %102.6 %Q1 FY26-27
net yield (quarterly)1.61 %1.36 %Q1 FY26-27
Direct Business – Others premium(size)115687 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
net earning ratio17.8 %7.1 %Q1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio56.3 %82.4 %Q1 FY26-27
govt + approved securities(size)30.9 %36.9 %Q1 FY26-27
marine hull combined ratio36.3 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %61.8 %Q1 FY26-27
health combined ratio108.7 %108.4 %Q1 FY26-27
liability combined ratio54.6 %-100.0 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh52418 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %3.5 %Q1 FY26-27
motor od incurred claims ratio76.6 %75.9 %Q1 FY26-27
net retention ratio(size)46.4 %76.7 %Q1 FY26-27
Individual Agents policies(size)653974 count148999 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh2545 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)934464 count0 countQ1 FY26-27 / Q4 FY25-26
health segment premium(size)175965 ₹ lakh38911 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh14822 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27 / Q4 FY25-26
aviation combined ratio34.9 %82.1 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh3427 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count28987 countQ1 FY26-27
net commission ratio(size)8.9 %29.4 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh1932 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹49.61 ₹Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6026 ₹ lakh18061 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs14701 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh8 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count6348 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh6956 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %59.5 %Q1 FY26-27
profit after tax(size)478 ₹ crore86 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %135.5 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh16719 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh7 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count603920 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh133957 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %4.2 %Q1 FY26-27
personal accident combined ratio82.1 %91.2 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh13970 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×2.43 ×Q1 FY26-27
fire combined ratio5.3 %56.8 %Q1 FY26-27
motor tp combined ratio103.5 %114.1 %Q1 FY26-27
motor tp incurred claims ratio51.0 %66.6 %Q1 FY26-27
liability incurred claims ratio25.7 %0.0 %Q1 FY26-27
expense ratio30.4 %39.0 %Q1 FY26-27
gross yield (quarterly)2.15 %1.82 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh2201 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh28943 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)32012 count136826 countQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh94973 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %38.1 %Q1 FY26-27
marine cargo combined ratio123.4 %-56.8 %Q1 FY26-27
aviation incurred claims ratio24.4 %85.7 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %69.8 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
incurred claims ratio74.3 %73.3 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count228311 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)29.5 %29.3 %Q1 FY26-27
other investments(size)1093056 INR_lakhs48690 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs50143 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %6.40 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %7.43 %FY25-26 / Q4 FY25-26
Other policies(size)0 count0 countQ3 FY25-26 / Q4 FY25-26
infrastructure & housing(size)27074 INR_lakhs680506 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q4 FY25-26
claim settlement ratio87.3 %90.7 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore8472 ₹ croreFY25-03
claims repudiation ratio1.79 %2.97 %FY24-25

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

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Bajaj Allianz General Insurance
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Digit General Insurance
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