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

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

MetricChola MS General InsuranceSBI General InsurancePeriod
engineering combined ratio138.7 %84.6 %Q1 FY26-27
net retention ratio(size)66.5 %68.3 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
health incurred claims ratio103.6 %88.2 %Q1 FY26-27
health combined ratio122.3 %111.6 %Q1 FY26-27
MISP (Direct) policies(size)29694 count0 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh44161 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %1.52 %Q1 FY26-27
crop combined ratio19.4 %722.8 %Q1 FY26-27
expense ratio to gross premium36.1 %28.6 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh85651 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs34231 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %5.5 %Q1 FY26-27
combined ratio120.4 %111.5 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×66.00 ×Q1 FY26-27
net earning ratio6.1 %0.9 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)57997 ₹ lakh56299 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %146.8 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs527301 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore222 ₹ croreQ1 FY26-27
housing & infrastructure(size)32.5 %27.2 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh9363 ₹ lakhQ1 FY26-27
investment income ratio2.0 %2.2 %Q1 FY26-27
travel incurred claims ratio-20.0 %64.9 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh10951 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %88.2 %Q1 FY26-27
expense ratio34.8 %32.3 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count95763 countQ1 FY26-27
net worth growth rate(size)2.6 %3.2 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh43 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore166 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %101.6 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %10.8 %Q1 FY26-27
liability combined ratio164.1 %112.2 %Q1 FY26-27
solvency ratio1.93 ×2.00 ×Q1 FY26-27
aviation combined ratio0.0 %100.0 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh4005 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %6.7 %Q1 FY26-27
underwriting balance ratio-15.0 %-10.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh37470 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %80.1 %Q1 FY26-27
marine cargo combined ratio100.0 %196.8 %Q1 FY26-27
personal accident incurred claims ratio28.0 %42.9 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %64.7 %Q1 FY26-27
other investments(size)69712 INR_lakhs90428 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %22.4 %Q1 FY26-27
aviation incurred claims ratio0.0 %100.0 %Q1 FY26-27
motor od combined ratio141.2 %149.6 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh314 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh799 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs924625 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %37.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count19211 countQ1 FY26-27
incurred claims ratio85.6 %79.2 %Q1 FY26-27
debt to equity ratio0.03 ×0.14 ×Q1 FY26-27 / Q4 FY25-26
health segment premium(size)19083 ₹ lakh126312 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %14.6 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs682117 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh828 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) premium(size)22203 ₹ lakh10883 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh62025 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh2765 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %276.7 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %175.2 %Q1 FY26-27
net commission ratio(size)19.9 %15.6 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count32151 countQ1 FY26-27
crop incurred claims ratio7.1 %-21.7 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs239219 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count54927 countQ1 FY26-27
Brokers policies(size)669428 count1303324 countQ1 FY26-27
liability incurred claims ratio96.8 %89.7 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh208297 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore13890 ₹ croreQ1 FY26-27 / FY25-03
gross yield (quarterly)7.19 %2.03 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count624380 countQ1 FY26-27
personal accident combined ratio125.3 %57.4 %Q1 FY26-27
book value per share(size)114.30 ₹231.56 ₹Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio86.3 %83.9 %Q1 FY26-27
travel combined ratio22.4 %103.9 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh4029 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %75.2 %Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
earnings per share(size)2.88 ₹1.36 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.70 %8.04 %Q4 FY25-26 / FY25-26
net yield (annualized)5.76 %6.02 %Q4 FY25-26 / FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count1640 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh337 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %77.7 %FY24-25 / Q4 FY25-26
claims repudiation ratio5.76 %1.40 %FY24-25

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

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Chola MS General Insurance
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SBI General Insurance
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