Factuary

Bajaj Allianz General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricBajaj Allianz General InsuranceUniversal Sompo General InsurancePeriod
net worth growth rate(size)-13.8 %12.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs167084 INR_lakhsQ1 FY26-27
combined ratio104.7 %104.3 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh867 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-8.0 %Q1 FY26-27
Web Aggregators policies(size)2730 count760 countQ1 FY26-27
earnings per share(size)44.70 ₹1.52 ₹Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)5664 count4758 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×93.00 ×Q1 FY26-27
investment income ratio2.2 %1.8 %Q1 FY26-27
fire incurred claims ratio48.9 %-241.8 %Q1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh2057 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore55 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs42415 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %4.2 %Q1 FY26-27
central govt. securities(size)20.4 %25.0 %Q1 FY26-27
personal accident incurred claims ratio51.0 %74.3 %Q1 FY26-27
Brokers policies(size)2190021 count853611 countQ1 FY26-27
crop combined ratio2971.0 %148.0 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %33.5 %Q1 FY26-27
expense ratio to gross premium29.5 %28.7 %Q1 FY26-27
travel combined ratio145.8 %169.0 %Q1 FY26-27
health incurred claims ratio90.9 %71.0 %Q1 FY26-27
government securities(size)1042910 INR_lakhs263751 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh478 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh634 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %83.5 %Q1 FY26-27
workmen's compensation combined ratio104.1 %96.4 %Q1 FY26-27
net yield (quarterly)1.61 %5.36 %Q1 FY26-27
Direct Business – Others premium(size)115687 ₹ lakh22576 ₹ lakhQ1 FY26-27
net earning ratio17.8 %5.8 %Q1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio56.3 %26.0 %Q1 FY26-27
govt + approved securities(size)30.9 %37.0 %Q1 FY26-27
marine hull combined ratio36.3 %-881.7 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %113.6 %Q1 FY26-27
health combined ratio108.7 %87.1 %Q1 FY26-27
liability combined ratio54.6 %26.4 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh44195 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %4.6 %Q1 FY26-27
motor od incurred claims ratio76.6 %102.0 %Q1 FY26-27
net retention ratio(size)46.4 %52.1 %Q1 FY26-27
Individual Agents policies(size)653974 count46866 countQ1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh87 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)934464 count1494 countQ1 FY26-27
health segment premium(size)175965 ₹ lakh34439 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh7540 ₹ lakhQ1 FY26-27
aviation combined ratio34.9 %0.0 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh2242 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %22.2 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count22916 countQ1 FY26-27
net commission ratio(size)8.9 %10.4 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh507 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹50.20 ₹Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6026 ₹ lakh6636 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh919 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count129053 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh664 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.4 %5.5 %Q1 FY26-27
profit after tax(size)478 ₹ crore41 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %149.2 %Q1 FY26-27
other incurred claims ratio58.5 %74.0 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)90793 ₹ lakh9563 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh7138 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count146450 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh108870 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %20.1 %Q1 FY26-27
personal accident combined ratio82.1 %89.3 %Q1 FY26-27
credit insurance segment premium(size)1676 ₹ lakh424 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh2597 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
fire combined ratio5.3 %-286.4 %Q1 FY26-27
other combined ratio68.5 %60.0 %Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio103.5 %77.5 %Q1 FY26-27
motor tp incurred claims ratio51.0 %65.8 %Q1 FY26-27
liability incurred claims ratio25.7 %-2.9 %Q1 FY26-27
expense ratio30.4 %24.0 %Q1 FY26-27
gross yield (quarterly)2.15 %7.16 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh11348 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh20072 ₹ lakhQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh61853 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %73.3 %Q1 FY26-27
marine cargo combined ratio123.4 %143.2 %Q1 FY26-27
aviation incurred claims ratio24.4 %0.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %68.5 %Q1 FY26-27
incurred claims ratio74.3 %80.3 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count22034 countQ1 FY26-27
housing & infrastructure(size)29.5 %29.0 %Q1 FY26-27
other investments(size)1093056 INR_lakhs21552 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs207 INR_lakhsQ4 FY25-26 / Q2 FY25-26
net yield (annualized)6.46 %6.00 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %8.00 %FY25-26 / Q4 FY25-26
infrastructure & housing(size)27074 INR_lakhs197661 INR_lakhsQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %91.3 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore5078 ₹ croreFY25-03
claims repudiation ratio1.79 %1.76 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Bajaj Allianz General Insurance
All IRDAI metrics →
Universal Sompo General Insurance
All IRDAI metrics →

How to read IRDAI comparison data ·Back to all comparisons