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Digit General Insurance vs Kshema General Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceKshema General InsurancePeriod
net yield (quarterly)1.36 %0.06 %Q1 FY26-27 / Q3 FY25-26
personal accident incurred claims ratio83.2 %31.0 %Q1 FY26-27
motor od incurred claims ratio75.9 %100.5 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh1853 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore-65 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×12.81 ×Q1 FY26-27
liability incurred claims ratio0.0 %80.9 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh0 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %-514.4 %Q1 FY26-27
expense ratio39.0 %201.7 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs6044 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %94.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh942 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %100.0 %Q1 FY26-27
required solvency margin(size)200837 ₹ lakh11309 ₹ lakhQ1 FY26-27
other investments(size)48690 INR_lakhs3160 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count231529 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh0 ₹ lakhQ1 FY26-27
mutual funds(size)50143 INR_lakhs2147 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh0 ₹ lakhQ1 FY26-27
fire incurred claims ratio83.0 %97.4 %Q1 FY26-27
govt + approved securities(size)36.9 %34.6 %Q1 FY26-27
crop incurred claims ratio-70.0 %340.2 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs6538 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %406.4 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh6 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count0 countQ1 FY26-27
motor tp combined ratio114.1 %164.8 %Q1 FY26-27 / Q4 FY25-26
health segment premium(size)38911 ₹ lakh855 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %88.6 %Q1 FY26-27 / Q4 FY25-26
Individual Agents policies(size)148999 count0 countQ1 FY26-27
expense ratio to gross premium39.0 %170.6 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio112.4 %500.5 %Q1 FY26-27
engineering segment premium(size)6956 ₹ lakh5 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %-96.8 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh924 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count0 countQ1 FY26-27
profit after tax(size)86 ₹ crore-65 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count0 countQ1 FY26-27
net retention ratio(size)76.7 %84.0 %Q1 FY26-27
underwriting balance ratio-14.0 %-632.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh586 ₹ lakhQ1 FY26-27
liability segment premium(size)5 ₹ lakh50 ₹ lakhQ1 FY26-27
investment income ratio1.8 %6.0 %Q1 FY26-27
engineering incurred claims ratio82.4 %156.8 %Q1 FY26-27
net worth growth rate(size)12.0 %0.0 %Q1 FY26-27
available solvency margin(size)487296 ₹ lakh17252 ₹ lakhQ1 FY26-27
Brokers policies(size)2801650 count9303 countQ1 FY26-27
engineering combined ratio38.1 %811.8 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh20 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs1074 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh0 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %611.9 %Q1 FY26-27
housing & infrastructure(size)29.3 %22.3 %Q1 FY26-27
motor od combined ratio135.5 %310.9 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count0 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count0 countQ1 FY26-27
incurred claims ratio73.3 %298.8 %Q1 FY26-27
crop combined ratio4.0 %554.2 %Q1 FY26-27
fire combined ratio56.8 %97.4 %Q1 FY26-27
net commission ratio(size)29.4 %18.9 %Q1 FY26-27
central govt. securities(size)28.1 %29.3 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh0 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %0.06 %Q1 FY26-27 / Q3 FY25-26
Individual Agents premium(size)14822 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count29728 countQ1 FY26-27
government securities(size)838284 INR_lakhs10124 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %253.8 %Q1 FY26-27
health combined ratio108.4 %266.9 %Q1 FY26-27
solvency ratio2.43 ×1.53 ×Q1 FY26-27
gross yield (annualized)7.43 %0.07 %Q4 FY25-26 / FY24-25
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
debt to equity ratio0.08 ×0.00 ×Q4 FY25-26 / Q4 FY24-25
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio7.1 %-227.4 %Q4 FY25-26 / Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.40 %0.07 %Q4 FY25-26 / FY24-25
earnings per share(size)1.62 ₹-2.60 ₹Q4 FY25-26 / Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
book value per share(size)49.61 ₹10.00 ₹Q4 FY25-26 / Q1 FY26-27
claim settlement ratio90.7 %42.7 %FY24-25 / Q1 FY25-26
gross written premium(size)8472 ₹ crore281 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio2.97 %52.74 %FY24-25
crop insurance segment premium(size)0 ₹ lakh1537 ₹ lakhQ4 FY24-25 / Q1 FY26-27

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Digit General Insurance
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Kshema General Insurance
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