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Chola MS General Insurance vs Kshema General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceKshema General InsurancePeriod
engineering combined ratio138.7 %811.8 %Q1 FY26-27
net retention ratio(size)66.5 %84.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %94.0 %Q1 FY26-27
health combined ratio122.3 %266.9 %Q1 FY26-27
MISP (Direct) policies(size)29694 count0 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh6 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh0 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %0.06 %Q1 FY26-27 / Q3 FY25-26
crop combined ratio19.4 %554.2 %Q1 FY26-27
expense ratio to gross premium36.1 %170.6 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh942 ₹ lakhQ1 FY26-27
operating profit ratio4.3 %-514.4 %Q1 FY26-27
combined ratio120.4 %500.5 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×12.81 ×Q1 FY26-27
net earning ratio6.1 %-227.4 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %164.8 %Q1 FY26-27 / Q4 FY25-26
debentures & bonds(size)575389 INR_lakhs6044 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore-65 ₹ croreQ1 FY26-27
available solvency margin(size)343228 ₹ lakh17252 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %22.3 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh5 ₹ lakhQ1 FY26-27
investment income ratio2.0 %6.0 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %88.6 %Q1 FY26-27 / Q4 FY25-26
expense ratio34.8 %201.7 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count0 countQ1 FY26-27
net worth growth rate(size)2.6 %0.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh0 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore-65 ₹ croreQ1 FY26-27
gross direct premium growth rate(size)2.6 %-96.8 %Q1 FY26-27
liability combined ratio164.1 %253.8 %Q1 FY26-27
solvency ratio1.93 ×1.53 ×Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh0 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %611.9 %Q1 FY26-27
underwriting balance ratio-15.0 %-632.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh20 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %156.8 %Q1 FY26-27
personal accident incurred claims ratio28.0 %31.0 %Q1 FY26-27
other investments(size)69712 INR_lakhs3160 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %29.3 %Q1 FY26-27
motor od combined ratio141.2 %310.9 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh0 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh1537 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh0 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs10124 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %34.6 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count0 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh11309 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %298.8 %Q1 FY26-27
debt to equity ratio0.03 ×0.00 ×Q1 FY26-27 / Q4 FY24-25
health segment premium(size)19083 ₹ lakh855 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %100.0 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs6538 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh586 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh0 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh924 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh0 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %97.4 %Q1 FY26-27
net commission ratio(size)19.9 %18.9 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count29728 countQ1 FY26-27
crop incurred claims ratio7.1 %340.2 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs1074 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count0 countQ1 FY26-27
Brokers policies(size)669428 count9303 countQ1 FY26-27
liability incurred claims ratio96.8 %80.9 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh1853 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore281 ₹ croreQ1 FY26-27
gross yield (quarterly)7.19 %0.06 %Q1 FY26-27 / Q3 FY25-26
Corporate Agents – Banks policies(size)345097 count231529 countQ1 FY26-27
personal accident combined ratio125.3 %406.4 %Q1 FY26-27
book value per share(size)114.30 ₹10.00 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %100.5 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh50 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %97.4 %Q1 FY26-27
earnings per share(size)2.88 ₹-2.60 ₹Q1 FY26-27
gross yield (annualized)7.70 %0.07 %Q4 FY25-26 / FY24-25
net yield (annualized)5.76 %0.07 %Q4 FY25-26 / FY24-25
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %42.7 %FY24-25 / Q1 FY25-26
claims repudiation ratio5.76 %52.74 %FY24-25

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

Individual profiles

Chola MS General Insurance
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Kshema General Insurance
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