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Generali Central Insurance (formerly Future Generali) vs IFFCO Tokio General Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)IFFCO Tokio General InsurancePeriod
profit before tax(size)-112 ₹ crore21 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %112.1 %Q1 FY26-27
underwriting balance ratio-29.5 %-20.7 %Q1 FY26-27
Individual Agents policies(size)82090 count403281 countQ1 FY26-27
liability incurred claims ratio-5.0 %86.6 %Q1 FY26-27
aviation combined ratio0.0 %0.0 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh1666 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh28287 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh10440 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore16 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %17.6 %Q1 FY26-27
health combined ratio103.0 %121.6 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh71 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %84.7 %Q1 FY26-27
fire incurred claims ratio137.0 %82.5 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×51.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs933317 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %30.0 %Q1 FY26-27
combined ratio127.9 %121.2 %Q1 FY26-27
net worth growth rate(size)-6.8 %3.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh0 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %204.4 %Q1 FY26-27
investment income ratio1.9 %1.8 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh128946 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs318167 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %121.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count188926 countQ1 FY26-27
workmen's compensation combined ratio173.0 %123.7 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %6.9 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh555 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count66514 countQ1 FY26-27
motor tp combined ratio121.0 %121.6 %Q1 FY26-27
motor od incurred claims ratio89.0 %71.7 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %9.1 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %87.1 %Q1 FY26-27
operating profit ratio-14.7 %-2.6 %Q1 FY26-27
motor od combined ratio132.0 %130.3 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh352 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh17618 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count848698 countQ1 FY26-27
net retention ratio(size)72.6 %64.7 %Q1 FY26-27
expense ratio to gross premium29.5 %29.2 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %10.2 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count36040 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %34.4 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh2326 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %109.9 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh4332 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs176186 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %1.32 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27 / Q3 FY25-26
infrastructure & housing(size)197862 INR_lakhs397223 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %260.6 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %82.3 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh1633 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count2593 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs466 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %2074.4 %Q1 FY26-27
housing & infrastructure(size)24.1 %21.0 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs0 INR_lakhsQ1 FY26-27 / Q3 FY25-26
motor TP segment premium(size)19610 ₹ lakh58853 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh59663 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh61 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh25599 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %39.5 %Q1 FY26-27
motor tp incurred claims ratio82.0 %98.5 %Q1 FY26-27
health incurred claims ratio71.0 %97.5 %Q1 FY26-27
MISP (Direct) policies(size)2511 count355111 countQ1 FY26-27
gross yield (quarterly)1.84 %1.77 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh42681 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %0.0 %Q1 FY26-27
fire combined ratio186.0 %74.5 %Q1 FY26-27
Web Aggregators policies(size)117 count-1 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh2001 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh13828 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %-183.9 %Q1 FY26-27
marine cargo combined ratio193.0 %111.4 %Q1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %86.8 %Q1 FY26-27
crop incurred claims ratio318.0 %102.1 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh2475 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
govt + approved securities(size)47.2 %51.0 %Q1 FY26-27
book value per share(size)10.91 ₹140.31 ₹Q4 FY25-26 / Q3 FY23-24
net earning ratio0.8 %2.5 %Q4 FY25-26 / Q2 FY24-25
Common Service Centres (CSC) premium(size)0 ₹ lakh361 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹5.79 ₹Q4 FY25-26 / Q3 FY23-24
gross yield (annualized)7.53 %7.23 %FY25-26 / Q4 FY25-26
debt to equity ratio0.39 ×0.00 ×Q4 FY25-26 / Q3 FY23-24
net yield (annualized)5.80 %5.41 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count15610 countQ4 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %82.0 %FY24-25
available solvency margin(size)189596 ₹ lakh353288 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh179508 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×1.97 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %3.06 %FY24-25
gross NPA ratio0.36 %0.00 %Q3 FY24-25 / Q3 FY23-24
gross written premium(size)1458 ₹ crore2230 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh18825 ₹ 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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IFFCO Tokio General Insurance
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