ECGC vs Shriram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ECGC | Shriram General Insurance | Period |
|---|---|---|---|
| technical reserves to premium ratio(size) | 17.1 % | 1079.9 % | Q1 FY26-27 |
| profit after tax(size) | 65 ₹ crore | 131 ₹ crore | Q1 FY26-27 |
| required solvency margin(size) | 24579 ₹ lakh | 89841 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 380573 INR_lakhs | 502514 INR_lakhs | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 70.0 % | 5.2 % | Q1 FY26-27 |
| expense ratio to gross premium | 27.6 % | 33.7 % | Q1 FY26-27 |
| solvency ratio | 56.14 × | 3.02 × | Q1 FY26-27 |
| housing & infrastructure(size) | 20.5 % | 34.9 % | Q1 FY26-27 |
| expense ratio | 28.5 % | 37.4 % | Q1 FY26-27 |
| central govt. securities(size) | 20.6 % | 25.6 % | Q1 FY26-27 |
| net retention ratio(size) | 81.9 % | 84.0 % | Q1 FY26-27 |
| gross npa (amount) | 8402 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Brokers premium(size) | 6042 ₹ lakh | 29449 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 6.2 % | 7.3 % | Q1 FY26-27 |
| Brokers policies(size) | 531 count | 313126 count | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.1 % | 22.9 % | Q1 FY26-27 |
| gross yield (quarterly) | 7.18 % | 7.26 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 200.00 × | 39.87 × | Q1 FY26-27 |
| debentures & bonds(size) | 107369 INR_lakhs | 319808 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | -3.5 % | 25.6 % | Q1 FY26-27 |
| incurred claims ratio | 159.5 % | 68.7 % | Q1 FY26-27 |
| govt + approved securities(size) | 52.7 % | 30.3 % | Q1 FY26-27 |
| other investments(size) | 37598 INR_lakhs | 1078 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -59.3 % | 17.2 % | Q1 FY26-27 |
| combined ratio | 188.0 % | 104.7 % | Q1 FY26-27 |
| investment income ratio | 6.9 % | 1.7 % | Q1 FY26-27 |
| other segment premium(size) | 34446 ₹ lakh | 1141 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 0.0 % | Q1 FY26-27 |
| underwriting balance ratio | -88.4 % | -6.1 % | Q1 FY26-27 |
| profit before tax(size) | 87 ₹ crore | 174 ₹ crore | Q1 FY26-27 |
| government securities(size) | 927780 INR_lakhs | 458529 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 49739 INR_lakhs | 5503 INR_lakhs | Q1 FY26-27 |
| available solvency margin(size) | 1379941 ₹ lakh | 271557 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 0 ₹ lakh | 350 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 0 count | 13162 count | Q1 FY26-27 |
| equity & preference shares(size) | 327808 INR_lakhs | 151575 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 5.37 % | 5.43 % | Q1 FY26-27 |
| gross yield (annualized) | 7.74 % | 7.27 % | Q4 FY25-26 |
| return on net worth | 8.9 % | 4.4 % | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.79 % | 5.44 % | Q4 FY25-26 |
| net earning ratio | 170.9 % | 12.3 % | Q4 FY25-26 / Q1 FY26-27 |
| gross written premium(size) | 1367 ₹ crore | 1180 ₹ crore | FY24-25 / Q1 FY26-27 |
| claim settlement ratio | 39.0 % | 71.8 % | FY24-25 |
| claims repudiation ratio | 41.52 % | 3.53 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.