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Chola MS General Insurance vs New India Assurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceNew India AssurancePeriod
engineering combined ratio138.7 %109.6 %Q1 FY26-27
net retention ratio(size)66.5 %81.8 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh13506 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %107.7 %Q1 FY26-27
health combined ratio122.3 %128.1 %Q1 FY26-27
MISP (Direct) policies(size)29694 count1668014 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh20196 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh74467 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %7.07 %Q1 FY26-27
crop combined ratio19.4 %8158.4 %Q1 FY26-27
expense ratio to gross premium36.1 %16.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh6709 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs15552 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %-8.3 %Q1 FY26-27
combined ratio120.4 %121.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×0.57 ×Q1 FY26-27
net earning ratio6.1 %-2.3 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh143180 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %132.4 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs111686 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore-191 ₹ croreQ1 FY26-27
return on net worth2.5 %-1.1 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh2149470 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %23.6 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh94638 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh33615 ₹ lakhQ1 FY26-27
investment income ratio2.0 %2.1 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh261231 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %122.2 %Q1 FY26-27
expense ratio34.8 %18.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count79740 countQ1 FY26-27
net worth growth rate(size)2.6 %5.0 %Q1 FY26-27
profit after tax(size)86 ₹ crore-257 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %51.9 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %2.8 %Q1 FY26-27
liability combined ratio164.1 %31.0 %Q1 FY26-27
solvency ratio1.93 ×1.80 ×Q1 FY26-27
aviation combined ratio0.0 %77.5 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh28454 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %5.3 %Q1 FY26-27
underwriting balance ratio-15.0 %-0.2 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh173566 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %98.0 %Q1 FY26-27
marine cargo combined ratio100.0 %120.2 %Q1 FY26-27
personal accident incurred claims ratio28.0 %127.3 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %34.6 %Q1 FY26-27
other investments(size)69712 INR_lakhs75637 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %26.6 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %0.5 %Q1 FY26-27
aviation incurred claims ratio0.0 %70.8 %Q1 FY26-27
motor od combined ratio141.2 %141.1 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh6132 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh15558 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs3483904 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %47.9 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count32892 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh1193232 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %103.4 %Q1 FY26-27
health segment premium(size)19083 ₹ lakh661654 ₹ lakhQ1 FY26-27
infrastructure & housing(size)370358 INR_lakhs1593081 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh34 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %46.1 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh2703 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh155831 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh3499 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %48.9 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %104.4 %Q1 FY26-27
net commission ratio(size)19.9 %8.4 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count3037 countQ1 FY26-27
crop incurred claims ratio7.1 %8152.5 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs2673706 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count4531576 countQ1 FY26-27
Brokers policies(size)669428 count742805 countQ1 FY26-27
liability incurred claims ratio96.8 %10.2 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh489456 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore12464 ₹ croreQ1 FY26-27
gross yield (quarterly)7.19 %10.87 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count102238 countQ1 FY26-27
personal accident combined ratio125.3 %134.6 %Q1 FY26-27
book value per share(size)114.30 ₹141.95 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %119.1 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh7176 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %31.7 %Q1 FY26-27
marine hull combined ratio0.0 %50.0 %Q1 FY26-27
earnings per share(size)2.88 ₹-1.56 ₹Q1 FY26-27
gross yield (annualized)7.70 %15.37 %Q4 FY25-26
net yield (annualized)5.76 %10.00 %Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count8829 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh1627 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %95.3 %FY24-25
claims repudiation ratio5.76 %1.51 %FY24-25
gross NPA ratio14.00 %0.21 %Q4 FY22-23 / Q1 FY26-27
net NPA ratio9.00 %0.00 %Q3 FY22-23 / Q1 FY26-27

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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New India Assurance
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