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

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

MetricBajaj Allianz General InsuranceKshema General InsurancePeriod
net worth growth rate(size)-13.8 %0.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs6044 INR_lakhsQ1 FY26-27
combined ratio104.7 %500.5 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh50 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-632.0 %Q1 FY26-27
MISP (Direct) policies(size)127141 count0 countQ1 FY26-27
Web Aggregators policies(size)2730 count0 countQ1 FY26-27
earnings per share(size)44.70 ₹-2.60 ₹Q1 FY26-27
Insurance Marketing Firm policies(size)5664 count0 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×12.81 ×Q1 FY26-27
investment income ratio2.2 %6.0 %Q1 FY26-27
fire incurred claims ratio48.9 %97.4 %Q1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh1537 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore-65 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs1074 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %611.9 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %29.3 %Q1 FY26-27
personal accident incurred claims ratio51.0 %31.0 %Q1 FY26-27
Brokers policies(size)2190021 count9303 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %554.2 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %-96.8 %Q1 FY26-27
expense ratio to gross premium29.5 %170.6 %Q1 FY26-27
other segment premium(size)65482 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio90.9 %94.0 %Q1 FY26-27
government securities(size)1042910 INR_lakhs10124 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh586 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %340.2 %Q1 FY26-27
net yield (quarterly)1.61 %0.06 %Q1 FY26-27 / Q3 FY25-26
net earning ratio17.8 %-227.4 %Q1 FY26-27
engineering incurred claims ratio56.3 %156.8 %Q1 FY26-27
govt + approved securities(size)30.9 %34.6 %Q1 FY26-27
health combined ratio108.7 %266.9 %Q1 FY26-27
liability combined ratio54.6 %253.8 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh0 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-514.4 %Q1 FY26-27
motor od incurred claims ratio76.6 %100.5 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
net retention ratio(size)46.4 %84.0 %Q1 FY26-27
Individual Agents policies(size)653974 count0 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)175965 ₹ lakh855 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh0 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)98274 count29728 countQ1 FY26-27
net commission ratio(size)8.9 %18.9 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh0 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹10.00 ₹Q1 FY26-27
personal accident segment premium(size)6026 ₹ lakh6 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count231529 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh5 ₹ lakhQ1 FY26-27
profit after tax(size)478 ₹ crore-65 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %310.9 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh20 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count0 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh1853 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %100.0 %Q1 FY26-27
personal accident combined ratio82.1 %406.4 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh0 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×1.53 ×Q1 FY26-27
fire combined ratio5.3 %97.4 %Q1 FY26-27
motor tp combined ratio103.5 %164.8 %Q1 FY26-27 / Q4 FY25-26
motor tp incurred claims ratio51.0 %88.6 %Q1 FY26-27 / Q4 FY25-26
gross npa ratio0.00 %0.00 %Q1 FY26-27
liability incurred claims ratio25.7 %80.9 %Q1 FY26-27
expense ratio30.4 %201.7 %Q1 FY26-27
gross yield (quarterly)2.15 %0.06 %Q1 FY26-27 / Q3 FY25-26
Corporate Agents – Banks premium(size)49617 ₹ lakh942 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh0 ₹ lakhQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh924 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %811.8 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %298.8 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count0 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %22.3 %Q1 FY26-27
other investments(size)1093056 INR_lakhs3160 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs2147 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %0.07 %FY25-26 / FY24-25
gross yield (annualized)8.64 %0.07 %FY25-26 / FY24-25
Other policies(size)0 count0 countQ3 FY25-26 / Q1 FY26-27
infrastructure & housing(size)27074 INR_lakhs6538 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %42.7 %Q2 FY25-26 / Q1 FY25-26
gross written premium(size)21417 ₹ crore281 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio1.79 %52.74 %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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Kshema General Insurance
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