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

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

MetricBajaj Allianz General InsuranceShriram General InsurancePeriod
net worth growth rate(size)-13.8 %7.3 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs319808 INR_lakhsQ1 FY26-27
combined ratio104.7 %104.7 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh145 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-6.1 %Q1 FY26-27
MISP (Direct) policies(size)127141 count30316 countQ1 FY26-27
Web Aggregators policies(size)2730 count108 countQ1 FY26-27
earnings per share(size)44.70 ₹5.06 ₹Q1 FY26-27
Insurance Marketing Firm policies(size)5664 count1251 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×39.87 ×Q1 FY26-27
investment income ratio2.2 %1.7 %Q1 FY26-27
fire incurred claims ratio48.9 %58.6 %Q1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh0 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore174 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs151575 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %1079.9 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh623 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %25.6 %Q1 FY26-27
personal accident incurred claims ratio51.0 %15.8 %Q1 FY26-27
Brokers policies(size)2190021 count313126 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %0.0 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %22.9 %Q1 FY26-27
expense ratio to gross premium29.5 %33.7 %Q1 FY26-27
travel combined ratio145.8 %45.9 %Q1 FY26-27
other segment premium(size)65482 ₹ lakh1141 ₹ lakhQ1 FY26-27
health incurred claims ratio90.9 %94.5 %Q1 FY26-27
government securities(size)1042910 INR_lakhs458529 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh11 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %0.0 %Q1 FY26-27
workmen's compensation combined ratio104.1 %61.7 %Q1 FY26-27
net yield (quarterly)1.61 %5.43 %Q1 FY26-27
net earning ratio17.8 %12.3 %Q1 FY26-27
engineering incurred claims ratio56.3 %148.8 %Q1 FY26-27
govt + approved securities(size)30.9 %30.3 %Q1 FY26-27
marine hull combined ratio36.3 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %100.3 %Q1 FY26-27
health combined ratio108.7 %96.6 %Q1 FY26-27
liability combined ratio54.6 %358.1 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh29251 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %17.2 %Q1 FY26-27
motor od incurred claims ratio76.6 %98.4 %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 count58733 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh177 ₹ lakhQ1 FY26-27
health segment premium(size)175965 ₹ lakh1266 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh4860 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
aviation combined ratio34.9 %0.0 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh218 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count631 countQ1 FY26-27
net commission ratio(size)8.9 %25.6 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh92 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹114.19 ₹Q1 FY26-27
personal accident segment premium(size)6026 ₹ lakh4253 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs18266 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh17 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count13162 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh850 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %37.1 %Q1 FY26-27
profit after tax(size)478 ₹ crore131 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %134.8 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh1969 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count660339 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh29449 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %5.2 %Q1 FY26-27
personal accident combined ratio82.1 %41.6 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh34718 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×3.02 ×Q1 FY26-27
fire combined ratio5.3 %150.7 %Q1 FY26-27
motor tp combined ratio103.5 %98.7 %Q1 FY26-27
motor tp incurred claims ratio51.0 %58.7 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
liability incurred claims ratio25.7 %30.4 %Q1 FY26-27
expense ratio30.4 %37.4 %Q1 FY26-27
gross yield (quarterly)2.15 %7.26 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh350 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh46028 ₹ lakhQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh78711 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %233.1 %Q1 FY26-27
marine cargo combined ratio123.4 %208.4 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %0.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %38.6 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %68.7 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count723601 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %34.9 %Q1 FY26-27
other investments(size)1093056 INR_lakhs1078 INR_lakhsQ1 FY26-27
net yield (annualized)6.46 %5.44 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %7.27 %FY25-26 / Q4 FY25-26
Other policies(size)0 count0 countQ3 FY25-26 / Q1 FY26-27
infrastructure & housing(size)27074 INR_lakhs502514 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %71.8 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore1180 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio1.79 %3.53 %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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Shriram General Insurance
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