Factuary

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

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

MetricGenerali Central Insurance (formerly Future Generali)Shriram General InsurancePeriod
profit before tax(size)-112 ₹ crore174 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %233.1 %Q1 FY26-27
underwriting balance ratio-29.5 %-6.1 %Q1 FY26-27
Individual Agents policies(size)82090 count58733 countQ1 FY26-27
liability incurred claims ratio-5.0 %30.4 %Q1 FY26-27
aviation combined ratio0.0 %0.0 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh34718 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh1969 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh850 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore131 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %25.6 %Q1 FY26-27
health combined ratio103.0 %96.6 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %38.6 %Q1 FY26-27
fire incurred claims ratio137.0 %58.6 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×39.87 ×Q1 FY26-27
government securities(size)386901 INR_lakhs458529 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %25.6 %Q1 FY26-27
combined ratio127.9 %104.7 %Q1 FY26-27
net worth growth rate(size)-6.8 %7.3 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh17 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %37.1 %Q1 FY26-27
investment income ratio1.9 %1.7 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh29449 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs319808 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %358.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count660339 countQ1 FY26-27
workmen's compensation combined ratio173.0 %61.7 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %5.2 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count13162 countQ1 FY26-27
motor tp combined ratio121.0 %98.7 %Q1 FY26-27
motor od incurred claims ratio89.0 %98.4 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %1079.9 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %100.3 %Q1 FY26-27
operating profit ratio-14.7 %17.2 %Q1 FY26-27
motor od combined ratio132.0 %134.8 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh92 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh46028 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count313126 countQ1 FY26-27
net retention ratio(size)72.6 %84.0 %Q1 FY26-27
expense ratio to gross premium29.5 %33.7 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %22.9 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count723601 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %37.4 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh145 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %41.6 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh623 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs1078 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %5.43 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs502514 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %45.9 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %15.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh350 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count1251 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs151575 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %0.0 %Q1 FY26-27
housing & infrastructure(size)24.1 %34.9 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh78711 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh29251 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh1266 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %148.8 %Q1 FY26-27
motor tp incurred claims ratio82.0 %58.7 %Q1 FY26-27
health incurred claims ratio71.0 %94.5 %Q1 FY26-27
MISP (Direct) policies(size)2511 count30316 countQ1 FY26-27
gross yield (quarterly)1.84 %7.26 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh4860 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %0.0 %Q1 FY26-27
fire combined ratio186.0 %150.7 %Q1 FY26-27
Web Aggregators policies(size)117 count108 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh177 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh218 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27
marine cargo combined ratio193.0 %208.4 %Q1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %68.7 %Q1 FY26-27
crop incurred claims ratio318.0 %0.0 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh4253 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
govt + approved securities(size)47.2 %30.3 %Q1 FY26-27
book value per share(size)10.91 ₹114.19 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.8 %12.3 %Q4 FY25-26 / Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh11 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹5.06 ₹Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.53 %7.27 %FY25-26 / Q4 FY25-26
net yield (annualized)5.80 %5.44 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count631 countQ4 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.00 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %71.8 %FY24-25
available solvency margin(size)189596 ₹ lakh271557 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh89841 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×3.02 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %3.53 %FY24-25
gross written premium(size)1458 ₹ crore1180 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh1141 ₹ 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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Shriram General Insurance
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