Factuary

Chola MS General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceRoyal Sundaram General InsurancePeriod
engineering combined ratio138.7 %229.0 %Q1 FY26-27
net retention ratio(size)66.5 %81.0 %Q1 FY26-27
health incurred claims ratio103.6 %100.2 %Q1 FY26-27
health combined ratio122.3 %112.2 %Q1 FY26-27
MISP (Direct) policies(size)29694 count1660 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh2622 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %2.46 %Q1 FY26-27
expense ratio to gross premium36.1 %28.7 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh1366 ₹ lakhQ1 FY26-27
operating profit ratio4.3 %0.0 %Q1 FY26-27
combined ratio120.4 %116.3 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×69.00 ×Q1 FY26-27
net earning ratio6.1 %2.5 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)57997 ₹ lakh25303 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %115.5 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs329442 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore37 ₹ croreQ1 FY26-27
available solvency margin(size)343228 ₹ lakh184006 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %30.8 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh210 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh2550 ₹ lakhQ1 FY26-27
investment income ratio2.0 %2.4 %Q1 FY26-27
travel incurred claims ratio-20.0 %24.3 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh8787 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %80.4 %Q1 FY26-27
expense ratio34.8 %30.3 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count61893 countQ1 FY26-27
net worth growth rate(size)2.6 %2.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh41 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore27 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %179.3 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %10.8 %Q1 FY26-27
liability combined ratio164.1 %71.1 %Q1 FY26-27
solvency ratio1.93 ×2.05 ×Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh2622 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %7.6 %Q1 FY26-27
underwriting balance ratio-15.0 %-21.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh10449 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %147.4 %Q1 FY26-27
marine cargo combined ratio100.0 %125.3 %Q1 FY26-27
personal accident incurred claims ratio28.0 %70.5 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %136.0 %Q1 FY26-27
other investments(size)69712 INR_lakhs104613 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %21.8 %Q1 FY26-27
motor od combined ratio141.2 %132.7 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh456 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
government securities(size)733841 INR_lakhs316446 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %32.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count19250 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh89975 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %86.0 %Q1 FY26-27
debt to equity ratio0.03 ×0.07 ×Q1 FY26-27 / Q4 FY25-26
health segment premium(size)19083 ₹ lakh42686 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %9.6 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs156865 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
Point of Sales Person (Direct) premium(size)22203 ₹ lakh13477 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh40596 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh6831 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %110.0 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %85.4 %Q1 FY26-27
net commission ratio(size)19.9 %19.3 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count0 countQ1 FY26-27
equity & preference shares(size)167481 INR_lakhs95946 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count50754 countQ1 FY26-27
Brokers policies(size)669428 count290309 countQ1 FY26-27
liability incurred claims ratio96.8 %25.8 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh92437 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore3763 ₹ croreQ1 FY26-27 / FY25-03
gross yield (quarterly)7.19 %2.46 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count8526 countQ1 FY26-27
personal accident combined ratio125.3 %117.8 %Q1 FY26-27
book value per share(size)114.30 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio86.3 %84.2 %Q1 FY26-27
travel combined ratio22.4 %72.0 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh550 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %65.2 %Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
earnings per share(size)2.88 ₹0.59 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.70 %8.49 %Q4 FY25-26
net yield (annualized)5.76 %8.49 %Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count4219 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh313 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %82.1 %FY24-25
claims repudiation ratio5.76 %5.03 %FY24-25
gross NPA ratio14.00 %0.06 %Q4 FY22-23 / Q4 FY25-26
net NPA ratio9.00 %0.01 %Q3 FY22-23 / Q4 FY25-26

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

Individual profiles

Chola MS General Insurance
All IRDAI metrics →
Royal Sundaram General Insurance
All IRDAI metrics →

How to read IRDAI comparison data ·Back to all comparisons