Chola MS General Insurance vs Zuno General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Chola MS General Insurance | Zuno General Insurance | Period |
|---|---|---|---|
| engineering combined ratio | 138.7 % | -308.0 % | Q1 FY26-27 |
| net retention ratio(size) | 66.5 % | 57.0 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 103.6 % | 99.0 % | Q1 FY26-27 |
| health combined ratio | 122.3 % | 126.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 29694 count | 1970 count | Q1 FY26-27 |
| personal accident segment premium(size) | 7194 ₹ lakh | 2430 ₹ lakh | Q1 FY26-27 |
| other segment premium(size) | 997 ₹ lakh | 2472 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 5.38 % | 2.05 % | Q1 FY26-27 |
| expense ratio to gross premium | 36.1 % | 31.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 17032 ₹ lakh | -2 ₹ lakh | Q1 FY26-27 |
| real estate & subsidiaries(size) | 3033 INR_lakhs | 4636 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | 4.3 % | -3.0 % | Q1 FY26-27 |
| combined ratio | 120.4 % | 115.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 54.00 × | 98.00 × | Q1 FY26-27 |
| net earning ratio | 6.1 % | -2.0 % | Q1 FY26-27 |
| motor OD segment premium(size) | 57997 ₹ lakh | 11217 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 112.4 % | 89.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 575389 INR_lakhs | 35131 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 117 ₹ crore | -4 ₹ crore | Q1 FY26-27 |
| housing & infrastructure(size) | 32.5 % | 26.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 401 ₹ lakh | 431 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 1434 ₹ lakh | 121 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 2.1 % | Q1 FY26-27 |
| travel incurred claims ratio | -20.0 % | 199.0 % | Q1 FY26-27 |
| Individual Agents premium(size) | 6823 ₹ lakh | 339 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 84.4 % | 53.0 % | Q1 FY26-27 |
| expense ratio | 34.8 % | 34.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 127301 count | 9545 count | Q1 FY26-27 |
| net worth growth rate(size) | 2.6 % | 13.0 % | Q1 FY26-27 |
| travel segment premium(size) | 33 ₹ lakh | 40 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | -4 ₹ crore | Q1 FY26-27 |
| workmen's compensation combined ratio | 103.8 % | 93.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 2.6 % | 62.0 % | Q1 FY26-27 |
| liability combined ratio | 164.1 % | 77.0 % | Q1 FY26-27 |
| solvency ratio | 1.93 × | 1.64 × | Q1 FY26-27 |
| marine cargo segment premium(size) | 6509 ₹ lakh | 104 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.8 % | 6.3 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -0.2 % | Q1 FY26-27 |
| fire segment premium(size) | 18866 ₹ lakh | 1482 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 106.1 % | 471.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 100.0 % | 936.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 28.0 % | 96.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 75.0 % | 56.0 % | Q1 FY26-27 |
| other investments(size) | 69712 INR_lakhs | 20794 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 25.4 % | 23.0 % | Q1 FY26-27 |
| motor od combined ratio | 141.2 % | 133.0 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 396 ₹ lakh | 1 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 4 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 2891 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 733841 INR_lakhs | 41239 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.7 % | 31.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 370101 count | 4637 count | Q1 FY26-27 |
| incurred claims ratio | 85.6 % | 81.0 % | Q1 FY26-27 |
| health segment premium(size) | 19083 ₹ lakh | 12044 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.2 % | 57.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 370358 INR_lakhs | 52190 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 869 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 22203 ₹ lakh | 1065 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 69798 ₹ lakh | 10171 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 35216 ₹ lakh | 3306 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 80.9 % | -38.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 77.3 % | 903.0 % | Q1 FY26-27 |
| net commission ratio(size) | 19.9 % | 10.0 % | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 21063 count | 0 count | Q1 FY26-27 |
| equity & preference shares(size) | 167481 INR_lakhs | 4406 INR_lakhs | Q1 FY26-27 |
| Individual Agents policies(size) | 22600 count | 2652 count | Q1 FY26-27 |
| Brokers policies(size) | 669428 count | 221205 count | Q1 FY26-27 |
| liability incurred claims ratio | 96.8 % | 55.0 % | Q1 FY26-27 |
| Brokers premium(size) | 89864 ₹ lakh | 34463 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 1860 ₹ crore | 402 ₹ crore | Q1 FY26-27 |
| gross yield (quarterly) | 7.19 % | 2.05 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 345097 count | 3 count | Q1 FY26-27 |
| personal accident combined ratio | 125.3 % | 124.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 86.3 % | 80.0 % | Q1 FY26-27 |
| travel combined ratio | 22.4 % | 260.0 % | Q1 FY26-27 |
| liability segment premium(size) | 790 ₹ lakh | 91 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 84.2 % | -46.0 % | Q1 FY26-27 |
| gross yield (annualized) | 7.70 % | 8.42 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 5.76 % | 8.42 % | Q4 FY25-26 / FY25-26 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 416 count | Q1 FY25-26 / Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 64 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 74.5 % | 70.9 % | FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 5.76 % | 7.59 % | FY24-25 |
| gross NPA ratio | 14.00 % | 0.00 % | Q4 FY22-23 / Q1 FY26-27 |
| net NPA ratio | 9.00 % | 0.00 % | Q3 FY22-23 / Q1 FY26-27 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.