ECGC vs HDFC ERGO General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ECGC | HDFC ERGO General Insurance | Period |
|---|---|---|---|
| technical reserves to premium ratio(size) | 17.1 % | 8.8 % | Q1 FY26-27 |
| profit after tax(size) | 65 ₹ crore | 220 ₹ crore | Q1 FY26-27 |
| required solvency margin(size) | 24579 ₹ lakh | 296136 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| infrastructure & housing(size) | 380573 INR_lakhs | 826433 INR_lakhs | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 70.0 % | 6.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 27.6 % | 31.8 % | Q1 FY26-27 |
| solvency ratio | 56.14 × | 2.18 × | Q1 FY26-27 |
| housing & infrastructure(size) | 20.5 % | 29.0 % | Q1 FY26-27 |
| mutual funds(size) | 86726 INR_lakhs | 568 INR_lakhs | Q1 FY26-27 |
| expense ratio | 28.5 % | 23.1 % | Q1 FY26-27 |
| central govt. securities(size) | 20.6 % | 21.0 % | Q1 FY26-27 |
| net retention ratio(size) | 81.9 % | 44.8 % | Q1 FY26-27 |
| gross npa (amount) | 8402 INR_lakhs | 15957 INR_lakhs | Q1 FY26-27 |
| Brokers premium(size) | 6042 ₹ lakh | 188322 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 6.2 % | 13.3 % | Q1 FY26-27 |
| Brokers policies(size) | 531 count | 1365293 count | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.1 % | 20.6 % | Q1 FY26-27 |
| gross yield (quarterly) | 7.18 % | 1.90 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 200.00 × | 72.00 × | Q1 FY26-27 |
| debentures & bonds(size) | 107369 INR_lakhs | 342633 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -3.5 % | -6.3 % | Q1 FY26-27 |
| incurred claims ratio | 159.5 % | 87.5 % | Q1 FY26-27 |
| govt + approved securities(size) | 52.7 % | 39.0 % | Q1 FY26-27 |
| other investments(size) | 37598 INR_lakhs | 181546 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -59.3 % | 12.3 % | Q1 FY26-27 |
| combined ratio | 188.0 % | 110.6 % | Q1 FY26-27 |
| investment income ratio | 6.9 % | 1.9 % | Q1 FY26-27 |
| other segment premium(size) | 34446 ₹ lakh | 30587 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 100.0 % | Q1 FY26-27 |
| underwriting balance ratio | -88.4 % | -13.0 % | Q1 FY26-27 |
| profit before tax(size) | 87 ₹ crore | 292 ₹ crore | Q1 FY26-27 |
| government securities(size) | 927780 INR_lakhs | 659572 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 49739 INR_lakhs | 456090 INR_lakhs | Q1 FY26-27 |
| available solvency margin(size) | 1379941 ₹ lakh | 611446 ₹ lakh | Q1 FY26-27 / Q1 FY25-26 |
| Corporate Agents – Banks premium(size) | 0 ₹ lakh | 43666 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 0 count | 5266250 count | Q1 FY26-27 |
| equity & preference shares(size) | 327808 INR_lakhs | 409656 INR_lakhs | Q1 FY26-27 |
| gross yield (annualized) | 7.74 % | 8.20 % | Q4 FY25-26 |
| net earning ratio | 170.9 % | 8.3 % | Q4 FY25-26 |
| gross written premium(size) | 1367 ₹ crore | 15025 ₹ crore | FY24-25 / Q4 FY25-26 |
| claim settlement ratio | 39.0 % | 93.5 % | FY24-25 |
| claims repudiation ratio | 41.52 % | 1.59 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.