Factuary

Generali Central Insurance (formerly Future Generali) vs HDFC ERGO General Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)HDFC ERGO General InsurancePeriod
profit before tax(size)-112 ₹ crore292 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %141.9 %Q1 FY26-27
underwriting balance ratio-29.5 %-13.0 %Q1 FY26-27
Individual Agents policies(size)82090 count379289 countQ1 FY26-27
liability incurred claims ratio-5.0 %-72.0 %Q1 FY26-27
aviation combined ratio0.0 %1103.2 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh14865 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh52442 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh10406 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore220 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %-6.3 %Q1 FY26-27
health combined ratio103.0 %105.5 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh2154 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %82.1 %Q1 FY26-27
fire incurred claims ratio137.0 %95.5 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×72.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs659572 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %21.0 %Q1 FY26-27
combined ratio127.9 %110.6 %Q1 FY26-27
net worth growth rate(size)-6.8 %13.3 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh66 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %55.8 %Q1 FY26-27
investment income ratio1.9 %1.9 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh188322 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs342633 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %-70.2 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count41840 countQ1 FY26-27
workmen's compensation combined ratio173.0 %113.7 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %6.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh330 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count5266250 countQ1 FY26-27
motor tp combined ratio121.0 %135.8 %Q1 FY26-27
motor od incurred claims ratio89.0 %69.1 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %8.8 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %100.0 %Q1 FY26-27
operating profit ratio-14.7 %12.3 %Q1 FY26-27
motor od combined ratio132.0 %220.8 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh1236 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh3130 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count1365293 countQ1 FY26-27
net retention ratio(size)72.6 %44.8 %Q1 FY26-27
expense ratio to gross premium29.5 %31.8 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %20.6 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count697055 countQ1 FY26-27
expense ratio40.2 %23.1 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh307 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %16.7 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh2214 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs181546 INR_lakhsQ1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs826433 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %107.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh455 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %39.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh43666 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count8180 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs409656 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %327.3 %Q1 FY26-27
housing & infrastructure(size)24.1 %29.0 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs15957 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh34409 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh54367 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh2337 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh196532 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %120.9 %Q1 FY26-27
motor tp incurred claims ratio82.0 %95.0 %Q1 FY26-27
health incurred claims ratio71.0 %90.8 %Q1 FY26-27
MISP (Direct) policies(size)2511 count156053 countQ1 FY26-27
gross yield (quarterly)1.84 %1.90 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh96034 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %101.9 %Q1 FY26-27
fire combined ratio186.0 %19.1 %Q1 FY26-27
Web Aggregators policies(size)117 count501 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh1455 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh7067 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %2317.9 %Q1 FY26-27
marine cargo combined ratio193.0 %122.0 %Q1 FY26-27
incurred claims ratio90.1 %87.5 %Q1 FY26-27
crop incurred claims ratio318.0 %105.5 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh19680 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %80.0 %Q1 FY26-27
govt + approved securities(size)47.2 %39.0 %Q1 FY26-27
book value per share(size)10.91 ₹75.22 ₹Q4 FY25-26
net earning ratio0.8 %8.3 %Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh537 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹11.20 ₹Q4 FY25-26
gross yield (annualized)7.53 %8.20 %FY25-26 / Q4 FY25-26
debt to equity ratio0.39 ×0.26 ×Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count11146 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Online premium(size)19042 ₹ lakh12834 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count81802 countQ3 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.55 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %93.5 %FY24-25
available solvency margin(size)189596 ₹ lakh611446 ₹ lakhQ4 FY24-25 / Q1 FY25-26
required solvency margin(size)96499 ₹ lakh296136 ₹ lakhQ4 FY24-25 / Q1 FY25-26
solvency ratio1.96 ×2.18 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %1.59 %FY24-25
gross NPA ratio0.36 %0.57 %Q3 FY24-25 / Q4 FY25-26
gross written premium(size)1458 ₹ crore15025 ₹ croreQ1 FY24-25 / Q4 FY25-26
other segment premium(size)7301 ₹ lakh30587 ₹ lakhQ2 FY22-23 / Q1 FY26-27

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

Individual profiles

Generali Central Insurance (formerly Future Generali)
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HDFC ERGO General Insurance
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