ECGC vs ICICI Lombard General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ECGC | ICICI Lombard General Insurance | Period |
|---|---|---|---|
| technical reserves to premium ratio(size) | 17.1 % | 7.4 % | Q1 FY26-27 |
| profit after tax(size) | 65 ₹ crore | 403 ₹ crore | Q1 FY26-27 |
| required solvency margin(size) | 24579 ₹ lakh | 556784 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 380573 INR_lakhs | 1106060 INR_lakhs | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 70.0 % | 7.6 % | Q1 FY26-27 |
| expense ratio to gross premium | 27.6 % | 28.8 % | Q1 FY26-27 |
| solvency ratio | 56.14 × | 2.00 × | Q1 FY26-27 |
| housing & infrastructure(size) | 20.5 % | 19.0 % | Q1 FY26-27 |
| mutual funds(size) | 86726 INR_lakhs | 141183 INR_lakhs | Q1 FY26-27 |
| expense ratio | 28.5 % | 36.2 % | Q1 FY26-27 |
| central govt. securities(size) | 20.6 % | 22.0 % | Q1 FY26-27 |
| net retention ratio(size) | 81.9 % | 74.5 % | Q1 FY26-27 |
| gross npa (amount) | 8402 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Brokers premium(size) | 6042 ₹ lakh | 478325 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 6.2 % | 0.9 % | Q1 FY26-27 |
| Brokers policies(size) | 531 count | 4944886 count | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.1 % | 7.5 % | Q1 FY26-27 |
| gross yield (quarterly) | 7.18 % | 1.89 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 200.00 × | 50.00 × | Q1 FY26-27 |
| debentures & bonds(size) | 107369 INR_lakhs | 1372814 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -3.5 % | 18.9 % | Q1 FY26-27 |
| incurred claims ratio | 159.5 % | 76.4 % | Q1 FY26-27 |
| govt + approved securities(size) | 52.7 % | 36.0 % | Q1 FY26-27 |
| other investments(size) | 37598 INR_lakhs | 206438 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -59.3 % | 3.9 % | Q1 FY26-27 |
| combined ratio | 188.0 % | 107.2 % | Q1 FY26-27 |
| investment income ratio | 6.9 % | 1.9 % | Q1 FY26-27 |
| other segment premium(size) | 34446 ₹ lakh | 38788 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 0.0 % | Q1 FY26-27 |
| underwriting balance ratio | -88.4 % | -0.1 % | Q1 FY26-27 |
| profit before tax(size) | 87 ₹ crore | 536 ₹ crore | Q1 FY26-27 |
| government securities(size) | 927780 INR_lakhs | 2159709 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 49739 INR_lakhs | 243176 INR_lakhs | Q1 FY26-27 |
| available solvency margin(size) | 1379941 ₹ lakh | 1501016 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 0 ₹ lakh | 70235 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 0 count | 920450 count | Q1 FY26-27 |
| equity & preference shares(size) | 327808 INR_lakhs | 820242 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 5.37 % | 1.28 % | Q1 FY26-27 |
| gross yield (annualized) | 7.74 % | 8.18 % | Q4 FY25-26 |
| return on net worth | 8.9 % | 2.4 % | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.79 % | 5.52 % | Q4 FY25-26 |
| net earning ratio | 170.9 % | 6.8 % | Q4 FY25-26 / Q1 FY26-27 |
| gross written premium(size) | 1367 ₹ crore | 28712 ₹ crore | FY24-25 / Q4 FY25-26 |
| claim settlement ratio | 39.0 % | 81.0 % | FY24-25 |
| claims repudiation ratio | 41.52 % | 8.28 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.