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Generali Central Insurance (formerly Future Generali) vs New India Assurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)New India AssurancePeriod
profit before tax(size)-112 ₹ crore-191 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %109.6 %Q1 FY26-27
underwriting balance ratio-29.5 %-0.2 %Q1 FY26-27
Individual Agents policies(size)82090 count4531576 countQ1 FY26-27
liability incurred claims ratio-5.0 %10.2 %Q1 FY26-27
aviation combined ratio0.0 %77.5 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh3499 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh173566 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh33615 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-257 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %8.4 %Q1 FY26-27
health combined ratio103.0 %128.1 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %34.6 %Q1 FY26-27
fire incurred claims ratio137.0 %31.7 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×0.57 ×Q1 FY26-27
government securities(size)386901 INR_lakhs3483904 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %26.6 %Q1 FY26-27
combined ratio127.9 %121.4 %Q1 FY26-27
net worth growth rate(size)-6.8 %5.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.1 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh489456 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs111686 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %31.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count79740 countQ1 FY26-27
workmen's compensation combined ratio173.0 %51.9 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh15558 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count102238 countQ1 FY26-27
motor tp combined ratio121.0 %132.4 %Q1 FY26-27
motor od incurred claims ratio89.0 %119.1 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %5.3 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %104.4 %Q1 FY26-27
operating profit ratio-14.7 %-8.3 %Q1 FY26-27
motor od combined ratio132.0 %141.1 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh1627 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh2703 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count742805 countQ1 FY26-27
net retention ratio(size)72.6 %81.8 %Q1 FY26-27
expense ratio to gross premium29.5 %16.8 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %2.8 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count32892 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %18.1 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh7176 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %134.6 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh94638 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs75637 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %7.07 %Q1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs1593081 INR_lakhsQ1 FY26-27
aviation segment premium(size)0 ₹ lakh13506 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %127.3 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh6709 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count8829 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs2673706 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %8158.4 %Q1 FY26-27
housing & infrastructure(size)24.1 %23.6 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs14604 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh155831 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh143180 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh661654 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %98.0 %Q1 FY26-27
motor tp incurred claims ratio82.0 %122.2 %Q1 FY26-27
health incurred claims ratio71.0 %107.7 %Q1 FY26-27
MISP (Direct) policies(size)2511 count1668014 countQ1 FY26-27
gross yield (quarterly)1.84 %10.87 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh261231 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %70.8 %Q1 FY26-27
fire combined ratio186.0 %48.9 %Q1 FY26-27
Web Aggregators policies(size)117 count8 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh6132 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh28454 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %50.0 %Q1 FY26-27
marine cargo combined ratio193.0 %120.2 %Q1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %103.4 %Q1 FY26-27
crop incurred claims ratio318.0 %8152.5 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh20196 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %46.1 %Q1 FY26-27
govt + approved securities(size)47.2 %47.9 %Q1 FY26-27
book value per share(size)10.91 ₹141.95 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.8 %-2.3 %Q4 FY25-26 / Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh34 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹-1.56 ₹Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.53 %15.37 %FY25-26 / Q4 FY25-26
net yield (annualized)5.80 %10.00 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count3037 countQ4 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.00 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %95.3 %FY24-25
available solvency margin(size)189596 ₹ lakh2149470 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh1193232 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×1.80 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %1.51 %FY24-25
gross NPA ratio0.36 %0.21 %Q3 FY24-25 / Q1 FY26-27
gross written premium(size)1458 ₹ crore12464 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh74467 ₹ 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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New India Assurance
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