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

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

MetricBajaj Allianz General InsuranceLiberty General InsurancePeriod
net worth growth rate(size)-13.8 %55.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs165678 INR_lakhsQ1 FY26-27
combined ratio104.7 %121.0 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh1600 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-15.0 %Q1 FY26-27
MISP (Direct) policies(size)127141 count20273 countQ1 FY26-27
Web Aggregators policies(size)2730 count4 countQ1 FY26-27
Insurance Marketing Firm policies(size)5664 count1038 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×49.00 ×Q1 FY26-27
investment income ratio2.2 %7.3 %Q1 FY26-27
fire incurred claims ratio48.9 %56.0 %Q1 FY26-27
profit before tax(size)638 ₹ crore-24 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs500 INR_lakhsQ1 FY26-27 / Q3 FY25-26
technical reserves to premium ratio(size)7.3 %6.5 %Q1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh796 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %22.0 %Q1 FY26-27
personal accident incurred claims ratio51.0 %120.0 %Q1 FY26-27
Brokers policies(size)2190021 count614443 countQ1 FY26-27
gross direct premium growth rate(size)11.6 %23.0 %Q1 FY26-27
expense ratio to gross premium29.5 %39.0 %Q1 FY26-27
travel combined ratio145.8 %88.0 %Q1 FY26-27
health incurred claims ratio90.9 %99.0 %Q1 FY26-27
government securities(size)1042910 INR_lakhs174603 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh923 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
workmen's compensation combined ratio104.1 %162.0 %Q1 FY26-27
net yield (quarterly)1.61 %7.29 %Q1 FY26-27
engineering incurred claims ratio56.3 %406.0 %Q1 FY26-27
govt + approved securities(size)30.9 %35.0 %Q1 FY26-27
marine hull combined ratio36.3 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %91.0 %Q1 FY26-27
health combined ratio108.7 %122.0 %Q1 FY26-27
liability combined ratio54.6 %49.0 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh25515 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-6.0 %Q1 FY26-27
motor od incurred claims ratio76.6 %78.0 %Q1 FY26-27
net retention ratio(size)46.4 %91.0 %Q1 FY26-27
Individual Agents policies(size)653974 count37728 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh297 ₹ lakhQ1 FY26-27
health segment premium(size)175965 ₹ lakh16474 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh4384 ₹ lakhQ1 FY26-27
aviation combined ratio34.9 %-4350.0 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh678 ₹ 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 %26.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh135 ₹ lakhQ1 FY26-27
personal accident segment premium(size)6026 ₹ lakh528 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh2 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count4 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh1191 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %78.0 %Q1 FY26-27
profit after tax(size)478 ₹ crore-24 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %135.0 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh2088 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count70385 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh61880 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %54.0 %Q1 FY26-27
personal accident combined ratio82.1 %141.0 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh2000 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×1.75 ×Q1 FY26-27 / Q4 FY24-25
fire combined ratio5.3 %97.0 %Q1 FY26-27
motor tp combined ratio103.5 %99.0 %Q1 FY26-27
motor tp incurred claims ratio51.0 %63.0 %Q1 FY26-27
liability incurred claims ratio25.7 %21.0 %Q1 FY26-27
expense ratio30.4 %40.0 %Q1 FY26-27
gross yield (quarterly)2.15 %7.29 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh6562 ₹ lakhQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh25023 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %444.0 %Q1 FY26-27
marine cargo combined ratio123.4 %127.0 %Q1 FY26-27
aviation incurred claims ratio24.4 %50.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %122.0 %Q1 FY26-27
incurred claims ratio74.3 %81.0 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count20294 countQ1 FY26-27
housing & infrastructure(size)29.5 %35.0 %Q1 FY26-27
other investments(size)1093056 INR_lakhs500 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs4843 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %7.42 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %7.42 %FY25-26 / Q4 FY25-26
infrastructure & housing(size)27074 INR_lakhs208064 INR_lakhsQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %87.6 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore2246 ₹ croreFY25-03
claims repudiation ratio1.79 %3.06 %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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Liberty General Insurance
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