Factuary

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

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

MetricGenerali Central Insurance (formerly Future Generali)Kshema General InsurancePeriod
profit before tax(size)-112 ₹ crore-65 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %811.8 %Q1 FY26-27
underwriting balance ratio-29.5 %-632.0 %Q1 FY26-27
Individual Agents policies(size)82090 count0 countQ1 FY26-27
liability incurred claims ratio-5.0 %80.9 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh0 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh20 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh5 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-65 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %18.9 %Q1 FY26-27
health combined ratio103.0 %266.9 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh1537 ₹ lakhQ1 FY26-27
fire incurred claims ratio137.0 %97.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×12.81 ×Q1 FY26-27
government securities(size)386901 INR_lakhs10124 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %29.3 %Q1 FY26-27
combined ratio127.9 %500.5 %Q1 FY26-27
net worth growth rate(size)-6.8 %0.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio1.9 %6.0 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh1853 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs6044 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %253.8 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count0 countQ1 FY26-27
claims paid to provisioned ratio(size)12.3 %100.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count231529 countQ1 FY26-27
motor tp combined ratio121.0 %164.8 %Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio89.0 %100.5 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %611.9 %Q1 FY26-27
operating profit ratio-14.7 %-514.4 %Q1 FY26-27
motor od combined ratio132.0 %310.9 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count9303 countQ1 FY26-27
net retention ratio(size)72.6 %84.0 %Q1 FY26-27
expense ratio to gross premium29.5 %170.6 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %-96.8 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count0 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %201.7 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh50 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %406.4 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh0 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs3160 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %0.06 %Q1 FY26-27 / Q3 FY25-26
npa provision coverage100.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs6538 INR_lakhsQ1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %31.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh942 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count0 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs1074 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %554.2 %Q1 FY26-27
housing & infrastructure(size)24.1 %22.3 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh924 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh855 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %156.8 %Q1 FY26-27
motor tp incurred claims ratio82.0 %88.6 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio71.0 %94.0 %Q1 FY26-27
MISP (Direct) policies(size)2511 count0 countQ1 FY26-27
gross yield (quarterly)1.84 %0.06 %Q1 FY26-27 / Q3 FY25-26
Individual Agents premium(size)16592 ₹ lakh0 ₹ lakhQ1 FY26-27
fire combined ratio186.0 %97.4 %Q1 FY26-27
Web Aggregators policies(size)117 count0 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh0 ₹ lakhQ1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %298.8 %Q1 FY26-27
crop incurred claims ratio318.0 %340.2 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh6 ₹ lakhQ1 FY26-27
govt + approved securities(size)47.2 %34.6 %Q1 FY26-27
book value per share(size)10.91 ₹10.00 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.8 %-227.4 %Q4 FY25-26 / Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh586 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹-2.60 ₹Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.53 %0.07 %FY25-26 / FY24-25
debt to equity ratio0.39 ×0.00 ×Q4 FY25-26 / Q4 FY24-25
net yield (annualized)5.80 %0.07 %FY25-26 / FY24-25
Common Service Centres (CSC) policies(size)0 count29728 countQ4 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.00 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %42.7 %FY24-25 / Q1 FY25-26
available solvency margin(size)189596 ₹ lakh17252 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh11309 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×1.53 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %52.74 %FY24-25
gross written premium(size)1458 ₹ crore281 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh0 ₹ 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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Kshema General Insurance
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