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

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

MetricChola MS General InsuranceReliance General InsurancePeriod
engineering combined ratio138.7 %93.6 %Q1 FY26-27
net retention ratio(size)66.5 %62.1 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh50 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %90.2 %Q1 FY26-27
health combined ratio122.3 %106.0 %Q1 FY26-27
MISP (Direct) policies(size)29694 count146864 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh5532 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh3269 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %7.61 %Q1 FY26-27
crop combined ratio19.4 %67.5 %Q1 FY26-27
expense ratio to gross premium36.1 %29.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh10089 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs16942 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %-3.7 %Q1 FY26-27
combined ratio120.4 %121.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×75.00 ×Q1 FY26-27
net earning ratio6.1 %0.0 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh46620 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %173.6 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs1050493 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore1 ₹ croreQ1 FY26-27
return on net worth2.5 %0.0 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh384372 ₹ lakhQ1 FY26-27
interest service coverage ratio56.25 ×1.03 ×Q1 FY26-27
housing & infrastructure(size)32.5 %25.0 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh2306 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh13739 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.9 %Q1 FY26-27
travel incurred claims ratio-20.0 %32.4 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh23430 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %106.9 %Q1 FY26-27
expense ratio34.8 %33.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count205506 countQ1 FY26-27
net worth growth rate(size)2.6 %0.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh4266 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore1 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %293.2 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %-12.2 %Q1 FY26-27
liability combined ratio164.1 %149.5 %Q1 FY26-27
solvency ratio1.93 ×1.75 ×Q1 FY26-27
debt service coverage ratio56.25 ×1.03 ×Q1 FY26-27
aviation combined ratio0.0 %-120.9 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh6348 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %9.1 %Q1 FY26-27
underwriting balance ratio-15.0 %-0.3 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh42132 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %76.2 %Q1 FY26-27
marine cargo combined ratio100.0 %160.4 %Q1 FY26-27
personal accident incurred claims ratio28.0 %55.0 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %268.4 %Q1 FY26-27
other investments(size)69712 INR_lakhs99267 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %28.0 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %0.2 %Q1 FY26-27
aviation incurred claims ratio0.0 %-131.4 %Q1 FY26-27
motor od combined ratio141.2 %141.2 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh599 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh14565 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh10 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs544642 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %38.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count116834 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh219547 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %88.2 %Q1 FY26-27
debt to equity ratio0.03 ×0.33 ×Q1 FY26-27
health segment premium(size)19083 ₹ lakh110935 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %7.8 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs324934 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh74 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %120.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh9695 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh45046 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh10600 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %105.3 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %133.4 %Q1 FY26-27
net commission ratio(size)19.9 %17.6 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count5913 countQ1 FY26-27
crop incurred claims ratio7.1 %39.1 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs99920 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count164737 countQ1 FY26-27
Brokers policies(size)669428 count1417761 countQ1 FY26-27
liability incurred claims ratio96.8 %105.5 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh174099 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore12237 ₹ croreQ1 FY26-27 / Q4 FY25-26
gross yield (quarterly)7.19 %7.63 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count132648 countQ1 FY26-27
personal accident combined ratio125.3 %75.3 %Q1 FY26-27
book value per share(size)114.30 ₹141.58 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %72.0 %Q1 FY26-27
travel combined ratio22.4 %117.6 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh2398 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %102.0 %Q1 FY26-27
marine hull combined ratio0.0 %128.5 %Q1 FY26-27
gross yield (annualized)7.70 %7.94 %Q4 FY25-26
net yield (annualized)5.76 %7.93 %Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count23775 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh667 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %90.4 %FY24-25
claims repudiation ratio5.76 %2.11 %FY24-25
gross NPA ratio14.00 %0.00 %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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Reliance General Insurance
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