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

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

MetricBajaj Allianz General InsuranceReliance General InsurancePeriod
net worth growth rate(size)-13.8 %0.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs1050493 INR_lakhsQ1 FY26-27
combined ratio104.7 %121.2 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh2398 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-0.3 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)0 count0 countQ1 FY26-27
MISP (Direct) policies(size)127141 count146864 countQ1 FY26-27
Web Aggregators policies(size)2730 count7713 countQ1 FY26-27
Insurance Marketing Firm policies(size)5664 count23775 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×75.00 ×Q1 FY26-27
investment income ratio2.2 %1.9 %Q1 FY26-27
fire incurred claims ratio48.9 %102.0 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh14565 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore1 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs99920 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %9.1 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh50 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh2306 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %28.0 %Q1 FY26-27
personal accident incurred claims ratio51.0 %55.0 %Q1 FY26-27
Brokers policies(size)2190021 count1417761 countQ1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %67.5 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %-12.2 %Q1 FY26-27
expense ratio to gross premium29.5 %29.0 %Q1 FY26-27
travel combined ratio145.8 %117.6 %Q1 FY26-27
other segment premium(size)65482 ₹ lakh3269 ₹ lakhQ1 FY26-27
health incurred claims ratio90.9 %90.2 %Q1 FY26-27
government securities(size)1042910 INR_lakhs544642 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh4266 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh74 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %39.1 %Q1 FY26-27
Direct Business – Online premium(size)2189 ₹ lakh961 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio104.1 %293.2 %Q1 FY26-27
net yield (quarterly)1.61 %7.61 %Q1 FY26-27
Direct Business – Others premium(size)115687 ₹ lakh63520 ₹ lakhQ1 FY26-27
net earning ratio17.8 %0.0 %Q1 FY26-27
engineering incurred claims ratio56.3 %76.2 %Q1 FY26-27
govt + approved securities(size)30.9 %38.0 %Q1 FY26-27
marine hull combined ratio36.3 %128.5 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %133.4 %Q1 FY26-27
health combined ratio108.7 %106.0 %Q1 FY26-27
liability combined ratio54.6 %149.5 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh46620 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-3.7 %Q1 FY26-27
motor od incurred claims ratio76.6 %72.0 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
net retention ratio(size)46.4 %62.1 %Q1 FY26-27
Individual Agents policies(size)653974 count164737 countQ1 FY26-27
gross NPA ratio0.00 %0.00 %Q1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh599 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)934464 count68355 countQ1 FY26-27
health segment premium(size)175965 ₹ lakh110935 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh23430 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
aviation combined ratio34.9 %-120.9 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh6348 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %120.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count5913 countQ1 FY26-27
net commission ratio(size)8.9 %17.6 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh667 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹141.58 ₹Q1 FY26-27
personal accident segment premium(size)6026 ₹ lakh5532 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs16942 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh70 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count132648 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh13739 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %32.4 %Q1 FY26-27
profit after tax(size)478 ₹ crore1 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %141.2 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh42132 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh10 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count205506 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh174099 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %7.8 %Q1 FY26-27
personal accident combined ratio82.1 %75.3 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh10600 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×1.75 ×Q1 FY26-27
fire combined ratio5.3 %105.3 %Q1 FY26-27
motor tp combined ratio103.5 %173.6 %Q1 FY26-27
motor tp incurred claims ratio51.0 %106.9 %Q1 FY26-27
liability incurred claims ratio25.7 %105.5 %Q1 FY26-27
expense ratio30.4 %33.1 %Q1 FY26-27
gross yield (quarterly)2.15 %7.63 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh10089 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh9695 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)32012 count13266 countQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh45046 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %93.6 %Q1 FY26-27
marine cargo combined ratio123.4 %160.4 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %-131.4 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %268.4 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %88.2 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count116834 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %25.0 %Q1 FY26-27
other investments(size)1093056 INR_lakhs99267 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs2971 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %7.93 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %7.94 %FY25-26 / Q4 FY25-26
Other policies(size)0 count0 countQ3 FY25-26 / Q1 FY26-27
infrastructure & housing(size)27074 INR_lakhs324934 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %90.4 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore12237 ₹ croreFY25-03 / Q4 FY25-26
claims repudiation ratio1.79 %2.11 %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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Reliance General Insurance
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