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

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

MetricGenerali Central Insurance (formerly Future Generali)Royal Sundaram General InsurancePeriod
profit before tax(size)-112 ₹ crore37 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %229.0 %Q1 FY26-27
underwriting balance ratio-29.5 %-21.0 %Q1 FY26-27
Individual Agents policies(size)82090 count50754 countQ1 FY26-27
liability incurred claims ratio-5.0 %25.8 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh6831 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh10449 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh2550 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore27 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %19.3 %Q1 FY26-27
health combined ratio103.0 %112.2 %Q1 FY26-27
workmen's compensation incurred claims ratio135.0 %136.0 %Q1 FY26-27
fire incurred claims ratio137.0 %65.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×69.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs316446 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %21.8 %Q1 FY26-27
combined ratio127.9 %116.3 %Q1 FY26-27
net worth growth rate(size)-6.8 %2.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh7 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %24.3 %Q1 FY26-27
investment income ratio1.9 %2.4 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh92437 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs329442 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %71.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count61893 countQ1 FY26-27
workmen's compensation combined ratio173.0 %179.3 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %9.6 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
Corporate Agents – Banks policies(size)188536 count8526 countQ1 FY26-27
motor tp combined ratio121.0 %115.5 %Q1 FY26-27
motor od incurred claims ratio89.0 %84.2 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %7.6 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %85.4 %Q1 FY26-27
operating profit ratio-14.7 %0.0 %Q1 FY26-27
motor od combined ratio132.0 %132.7 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh313 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh13477 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count290309 countQ1 FY26-27
net retention ratio(size)72.6 %81.0 %Q1 FY26-27
expense ratio to gross premium29.5 %28.7 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %10.8 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count19250 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %30.3 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh550 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %117.8 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh210 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs104613 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %2.46 %Q1 FY26-27
npa provision coverage100.0 %84.8 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs156865 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %72.0 %Q1 FY26-27
personal accident incurred claims ratio90.0 %70.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh1366 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count4219 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs95946 INR_lakhsQ1 FY26-27
housing & infrastructure(size)24.1 %30.8 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs571 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh40596 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh25303 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh41 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh42686 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %147.4 %Q1 FY26-27
motor tp incurred claims ratio82.0 %80.4 %Q1 FY26-27
health incurred claims ratio71.0 %100.2 %Q1 FY26-27
MISP (Direct) policies(size)2511 count1660 countQ1 FY26-27
gross yield (quarterly)1.84 %2.46 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh8787 ₹ lakhQ1 FY26-27
fire combined ratio186.0 %110.0 %Q1 FY26-27
Web Aggregators policies(size)117 count21 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh456 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh2622 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
marine cargo combined ratio193.0 %125.3 %Q1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %86.0 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh2622 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
govt + approved securities(size)47.2 %32.0 %Q1 FY26-27
book value per share(size)10.91 ₹40.92 ₹Q4 FY25-26
net earning ratio0.8 %2.5 %Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹0.59 ₹Q4 FY25-26
gross yield (annualized)7.53 %8.49 %FY25-26 / Q4 FY25-26
debt to equity ratio0.39 ×0.07 ×Q4 FY25-26
net yield (annualized)5.80 %8.49 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Online premium(size)19042 ₹ lakh1041 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count8117 countQ3 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.06 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %82.1 %FY24-25
available solvency margin(size)189596 ₹ lakh184006 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh89975 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×2.05 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %5.03 %FY24-25
gross NPA ratio0.36 %0.06 %Q3 FY24-25 / Q4 FY25-26
gross written premium(size)1458 ₹ crore3763 ₹ croreQ1 FY24-25 / FY25-03

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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Royal Sundaram General Insurance
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