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

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

MetricBajaj Allianz General InsuranceSBI General InsurancePeriod
net worth growth rate(size)-13.8 %3.2 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs527301 INR_lakhsQ1 FY26-27
combined ratio104.7 %111.5 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh4029 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-10.0 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)0 count0 countQ1 FY26-27
MISP (Direct) policies(size)127141 count0 countQ1 FY26-27
Web Aggregators policies(size)2730 count56 countQ1 FY26-27
earnings per share(size)44.70 ₹1.36 ₹Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)5664 count1640 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×66.00 ×Q1 FY26-27
investment income ratio2.2 %2.2 %Q1 FY26-27
fire incurred claims ratio48.9 %75.2 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh799 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore222 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs239219 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %6.7 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
MISP (Direct) premium(size)9048 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %22.4 %Q1 FY26-27
personal accident incurred claims ratio51.0 %42.9 %Q1 FY26-27
Brokers policies(size)2190021 count1303324 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %722.8 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %10.8 %Q1 FY26-27
expense ratio to gross premium29.5 %28.6 %Q1 FY26-27
travel combined ratio145.8 %103.9 %Q1 FY26-27
health incurred claims ratio90.9 %88.2 %Q1 FY26-27
government securities(size)1042910 INR_lakhs924625 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh43 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh828 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %-21.7 %Q1 FY26-27
Direct Business – Online premium(size)2189 ₹ lakh763 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio104.1 %101.6 %Q1 FY26-27
net yield (quarterly)1.61 %1.52 %Q1 FY26-27
Direct Business – Others premium(size)115687 ₹ lakh30144 ₹ lakhQ1 FY26-27
net earning ratio17.8 %0.9 %Q1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio56.3 %80.1 %Q1 FY26-27
govt + approved securities(size)30.9 %37.0 %Q1 FY26-27
marine hull combined ratio36.3 %0.0 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio89.7 %175.2 %Q1 FY26-27
health combined ratio108.7 %111.6 %Q1 FY26-27
liability combined ratio54.6 %112.2 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh56299 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %5.5 %Q1 FY26-27
motor od incurred claims ratio76.6 %83.9 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
net retention ratio(size)46.4 %68.3 %Q1 FY26-27
Individual Agents policies(size)653974 count54927 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh314 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)934464 count82246 countQ1 FY26-27
health segment premium(size)175965 ₹ lakh126312 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh10951 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
aviation combined ratio34.9 %100.0 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh4005 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) policies(size)98274 count32151 countQ1 FY26-27
net commission ratio(size)8.9 %15.6 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh337 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹231.56 ₹Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6026 ₹ lakh44161 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs34231 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh9 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count624380 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh9363 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %64.9 %Q1 FY26-27
profit after tax(size)478 ₹ crore166 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %149.6 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh37470 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count95763 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh208297 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %14.6 %Q1 FY26-27
personal accident combined ratio82.1 %57.4 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh2765 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×2.00 ×Q1 FY26-27
fire combined ratio5.3 %276.7 %Q1 FY26-27
motor tp combined ratio103.5 %146.8 %Q1 FY26-27
motor tp incurred claims ratio51.0 %88.2 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
liability incurred claims ratio25.7 %89.7 %Q1 FY26-27
expense ratio30.4 %32.3 %Q1 FY26-27
gross yield (quarterly)2.15 %2.03 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh85651 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh10883 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)32012 count10957 countQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh62025 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %84.6 %Q1 FY26-27
marine cargo combined ratio123.4 %196.8 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %100.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %64.7 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %79.2 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count19211 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %27.2 %Q1 FY26-27
other investments(size)1093056 INR_lakhs90428 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs55605 INR_lakhsQ4 FY25-26 / Q3 FY25-26
net yield (annualized)6.46 %6.02 %FY25-26
gross yield (annualized)8.64 %8.04 %FY25-26
Other policies(size)0 count0 countQ3 FY25-26 / Q1 FY26-27
infrastructure & housing(size)27074 INR_lakhs682117 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %77.7 %Q2 FY25-26 / Q4 FY25-26
gross written premium(size)21417 ₹ crore13890 ₹ croreFY25-03
claims repudiation ratio1.79 %1.40 %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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SBI General Insurance
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