Chola MS General Insurance vs IFFCO Tokio General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Chola MS General Insurance | IFFCO Tokio General Insurance | Period |
|---|---|---|---|
| engineering combined ratio | 138.7 % | 112.1 % | Q1 FY26-27 |
| net retention ratio(size) | 66.5 % | 64.7 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 103.6 % | 97.5 % | Q1 FY26-27 |
| health combined ratio | 122.3 % | 121.6 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 29694 count | 355111 count | Q1 FY26-27 |
| personal accident segment premium(size) | 7194 ₹ lakh | 2475 ₹ lakh | Q1 FY26-27 |
| other segment premium(size) | 997 ₹ lakh | 18825 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 5.38 % | 1.32 % | Q1 FY26-27 |
| crop combined ratio | 19.4 % | 2074.4 % | Q1 FY26-27 |
| expense ratio to gross premium | 36.1 % | 29.2 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 17032 ₹ lakh | 1633 ₹ lakh | Q1 FY26-27 |
| real estate & subsidiaries(size) | 3033 INR_lakhs | 50 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | 4.3 % | -2.6 % | Q1 FY26-27 |
| combined ratio | 120.4 % | 121.2 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 54.00 × | 51.00 × | Q1 FY26-27 |
| net earning ratio | 6.1 % | 2.5 % | Q1 FY26-27 / Q2 FY24-25 |
| motor OD segment premium(size) | 57997 ₹ lakh | 59663 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 112.4 % | 121.6 % | Q1 FY26-27 |
| debentures & bonds(size) | 575389 INR_lakhs | 318167 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 117 ₹ crore | 21 ₹ crore | Q1 FY26-27 |
| return on net worth | 2.5 % | 3.3 % | Q1 FY26-27 / Q2 FY24-25 |
| available solvency margin(size) | 343228 ₹ lakh | 353288 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 32.5 % | 21.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 401 ₹ lakh | 4332 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 1434 ₹ lakh | 10440 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 1.8 % | Q1 FY26-27 |
| travel incurred claims ratio | -20.0 % | 204.4 % | Q1 FY26-27 |
| Individual Agents premium(size) | 6823 ₹ lakh | 42681 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 84.4 % | 98.5 % | Q1 FY26-27 |
| expense ratio | 34.8 % | 34.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 127301 count | 188926 count | Q1 FY26-27 |
| net worth growth rate(size) | 2.6 % | 3.0 % | Q1 FY26-27 |
| travel segment premium(size) | 33 ₹ lakh | 61 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | 16 ₹ crore | Q1 FY26-27 |
| workmen's compensation combined ratio | 103.8 % | 123.7 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 2.6 % | 10.2 % | Q1 FY26-27 |
| liability combined ratio | 164.1 % | 121.0 % | Q1 FY26-27 |
| solvency ratio | 1.93 × | 1.97 × | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 6509 ₹ lakh | 13828 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.8 % | 9.1 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -20.7 % | Q1 FY26-27 |
| fire segment premium(size) | 18866 ₹ lakh | 28287 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 106.1 % | 39.5 % | Q1 FY26-27 |
| marine cargo combined ratio | 100.0 % | 111.4 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 28.0 % | 82.3 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 75.0 % | 84.7 % | Q1 FY26-27 |
| other investments(size) | 69712 INR_lakhs | 176186 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 25.4 % | 30.0 % | Q1 FY26-27 |
| liquid assets to liabilities ratio | 0.2 % | 0.3 % | Q1 FY26-27 / Q2 FY24-25 |
| aviation incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| motor od combined ratio | 141.2 % | 130.3 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 396 ₹ lakh | 2001 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 4 ₹ lakh | 71 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 2891 ₹ lakh | 555 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 733841 INR_lakhs | 933317 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.7 % | 51.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 370101 count | 36040 count | Q1 FY26-27 |
| required solvency margin(size) | 178009 ₹ lakh | 179508 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 85.6 % | 86.8 % | Q1 FY26-27 |
| debt to equity ratio | 0.03 × | 0.00 × | Q1 FY26-27 / Q3 FY23-24 |
| health segment premium(size) | 19083 ₹ lakh | 25599 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.2 % | 6.9 % | Q1 FY26-27 |
| infrastructure & housing(size) | 370358 INR_lakhs | 397223 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 869 ₹ lakh | 361 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 22203 ₹ lakh | 17618 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 69798 ₹ lakh | 58853 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 35216 ₹ lakh | 1666 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 80.9 % | 74.5 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 77.3 % | 87.1 % | Q1 FY26-27 |
| net commission ratio(size) | 19.9 % | 17.6 % | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 21063 count | 15610 count | Q1 FY26-27 |
| crop incurred claims ratio | 7.1 % | 102.1 % | Q1 FY26-27 |
| equity & preference shares(size) | 167481 INR_lakhs | 466 INR_lakhs | Q1 FY26-27 |
| Individual Agents policies(size) | 22600 count | 403281 count | Q1 FY26-27 |
| Brokers policies(size) | 669428 count | 848698 count | Q1 FY26-27 |
| liability incurred claims ratio | 96.8 % | 86.6 % | Q1 FY26-27 |
| Brokers premium(size) | 89864 ₹ lakh | 128946 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 1860 ₹ crore | 2230 ₹ crore | Q1 FY26-27 |
| gross yield (quarterly) | 7.19 % | 1.77 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 345097 count | 66514 count | Q1 FY26-27 |
| personal accident combined ratio | 125.3 % | 109.9 % | Q1 FY26-27 |
| book value per share(size) | 114.30 ₹ | 140.31 ₹ | Q1 FY26-27 / Q3 FY23-24 |
| motor od incurred claims ratio | 86.3 % | 71.7 % | Q1 FY26-27 |
| travel combined ratio | 22.4 % | 260.6 % | Q1 FY26-27 |
| liability segment premium(size) | 790 ₹ lakh | 2326 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 84.2 % | 82.5 % | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | -183.9 % | Q1 FY26-27 |
| earnings per share(size) | 2.88 ₹ | 5.79 ₹ | Q1 FY26-27 / Q3 FY23-24 |
| gross yield (annualized) | 7.70 % | 7.23 % | Q4 FY25-26 |
| net yield (annualized) | 5.76 % | 5.41 % | Q4 FY25-26 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 2593 count | Q1 FY25-26 / Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 352 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 74.5 % | 82.0 % | FY24-25 |
| claims repudiation ratio | 5.76 % | 3.06 % | FY24-25 |
| gross NPA ratio | 14.00 % | 0.00 % | Q4 FY22-23 / Q3 FY23-24 |
| net NPA ratio | 9.00 % | 0.00 % | Q3 FY22-23 / Q3 FY23-24 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.