Chola MS General Insurance vs ECGC: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Chola MS General Insurance | ECGC | Period |
|---|---|---|---|
| net retention ratio(size) | 66.5 % | 81.9 % | Q1 FY26-27 |
| other segment premium(size) | 997 ₹ lakh | 34446 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 5.38 % | 5.37 % | Q1 FY26-27 |
| expense ratio to gross premium | 36.1 % | 27.6 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 17032 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 4.3 % | -59.3 % | Q1 FY26-27 |
| combined ratio | 120.4 % | 188.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 54.00 × | 200.00 × | Q1 FY26-27 |
| net earning ratio | 6.1 % | 170.9 % | Q1 FY26-27 / Q4 FY25-26 |
| debentures & bonds(size) | 575389 INR_lakhs | 107369 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 117 ₹ crore | 87 ₹ crore | Q1 FY26-27 |
| return on net worth | 2.5 % | 8.9 % | Q1 FY26-27 / Q4 FY25-26 |
| available solvency margin(size) | 343228 ₹ lakh | 1379941 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 32.5 % | 20.5 % | Q1 FY26-27 |
| investment income ratio | 2.0 % | 6.9 % | Q1 FY26-27 |
| expense ratio | 34.8 % | 28.5 % | Q1 FY26-27 |
| net worth growth rate(size) | 2.6 % | 6.2 % | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | 65 ₹ crore | Q1 FY26-27 |
| gross direct premium growth rate(size) | 2.6 % | 7.1 % | Q1 FY26-27 |
| solvency ratio | 1.93 × | 56.14 × | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.8 % | 17.1 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -88.4 % | Q1 FY26-27 |
| other investments(size) | 69712 INR_lakhs | 37598 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 25.4 % | 20.6 % | Q1 FY26-27 |
| government securities(size) | 733841 INR_lakhs | 927780 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.7 % | 52.7 % | Q1 FY26-27 |
| required solvency margin(size) | 178009 ₹ lakh | 24579 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 85.6 % | 159.5 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.2 % | 70.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 370358 INR_lakhs | 380573 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | 19.9 % | -3.5 % | Q1 FY26-27 |
| equity & preference shares(size) | 167481 INR_lakhs | 327808 INR_lakhs | Q1 FY26-27 |
| Brokers policies(size) | 669428 count | 531 count | Q1 FY26-27 |
| Brokers premium(size) | 89864 ₹ lakh | 6042 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 1860 ₹ crore | 1367 ₹ crore | Q1 FY26-27 / FY24-25 |
| gross yield (quarterly) | 7.19 % | 7.18 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 345097 count | 0 count | Q1 FY26-27 |
| gross yield (annualized) | 7.70 % | 7.74 % | Q4 FY25-26 |
| net yield (annualized) | 5.76 % | 5.79 % | Q4 FY25-26 |
| claim settlement ratio | 74.5 % | 39.0 % | FY24-25 |
| claims repudiation ratio | 5.76 % | 41.52 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.