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Digit General Insurance vs Reliance General Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceReliance General InsurancePeriod
net yield (quarterly)1.36 %7.61 %Q1 FY26-27
personal accident incurred claims ratio83.2 %55.0 %Q1 FY26-27
motor od incurred claims ratio75.9 %72.0 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh174099 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore1 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×75.00 ×Q1 FY26-27
liability incurred claims ratio0.0 %105.5 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh70 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %-3.7 %Q1 FY26-27
expense ratio39.0 %33.1 %Q1 FY26-27
aviation combined ratio82.1 %-120.9 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh50 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs1050493 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %90.2 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh10089 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %7.8 %Q1 FY26-27
required solvency margin(size)200837 ₹ lakh219547 ₹ lakhQ1 FY26-27
other investments(size)48690 INR_lakhs99267 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count132648 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh599 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %133.4 %Q1 FY26-27
mutual funds(size)50143 INR_lakhs2971 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh667 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %160.4 %Q1 FY26-27
fire incurred claims ratio83.0 %102.0 %Q1 FY26-27
govt + approved securities(size)36.9 %38.0 %Q1 FY26-27
marine hull incurred claims ratio0.0 %120.0 %Q1 FY26-27
crop incurred claims ratio-70.0 %39.1 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs324934 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %75.3 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh5532 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count7713 countQ1 FY26-27
aviation incurred claims ratio85.7 %-131.4 %Q1 FY26-27
motor tp combined ratio114.1 %173.6 %Q1 FY26-27
health segment premium(size)38911 ₹ lakh110935 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %106.9 %Q1 FY26-27
Individual Agents policies(size)148999 count164737 countQ1 FY26-27
expense ratio to gross premium39.0 %29.0 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh46620 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh4266 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh9695 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.5 %32.4 %Q1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh6348 ₹ lakhQ1 FY26-27
combined ratio112.4 %121.2 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs16942 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh13739 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %-12.2 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh45046 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count23775 countQ1 FY26-27
profit after tax(size)86 ₹ crore1 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count116834 countQ1 FY26-27
net retention ratio(size)76.7 %62.1 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)36113 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)136826 count13266 countQ1 FY26-27
underwriting balance ratio-14.0 %-0.3 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh74 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %268.4 %Q1 FY26-27
liability segment premium(size)5 ₹ lakh2398 ₹ lakhQ1 FY26-27
investment income ratio1.8 %1.9 %Q1 FY26-27
engineering incurred claims ratio82.4 %76.2 %Q1 FY26-27
net worth growth rate(size)12.0 %0.0 %Q1 FY26-27
available solvency margin(size)487296 ₹ lakh384372 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)21888 count0 countQ1 FY26-27
Brokers policies(size)2801650 count1417761 countQ1 FY26-27
engineering combined ratio38.1 %93.6 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh42132 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs99920 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh10600 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %9.1 %Q1 FY26-27
housing & infrastructure(size)29.3 %25.0 %Q1 FY26-27
motor od combined ratio135.5 %141.2 %Q1 FY26-27
travel combined ratio112.8 %117.6 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count205506 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh10 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count146864 countQ1 FY26-27
marine hull combined ratio0.0 %128.5 %Q1 FY26-27
incurred claims ratio73.3 %88.2 %Q1 FY26-27
crop combined ratio4.0 %67.5 %Q1 FY26-27
Direct Business – Online premium(size)3562 ₹ lakh961 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio102.6 %293.2 %Q1 FY26-27
fire combined ratio56.8 %105.3 %Q1 FY26-27
net commission ratio(size)29.4 %17.6 %Q1 FY26-27
central govt. securities(size)28.1 %28.0 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh2306 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %7.63 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh23430 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count5913 countQ1 FY26-27
government securities(size)838284 INR_lakhs544642 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %149.5 %Q1 FY26-27
health combined ratio108.4 %106.0 %Q1 FY26-27
solvency ratio2.43 ×1.75 ×Q1 FY26-27
other approved securities(size)36185 INR_lakhs267515 INR_lakhsQ1 FY26-27
Direct Business – Others policies(size)0 count68355 countQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.43 %7.94 %Q4 FY25-26
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 ×0.33 ×Q4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio7.1 %0.0 %Q4 FY25-26 / Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh63520 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.40 %7.93 %Q4 FY25-26
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
book value per share(size)49.61 ₹141.58 ₹Q4 FY25-26 / Q1 FY26-27
claim settlement ratio90.7 %90.4 %FY24-25
gross written premium(size)8472 ₹ crore12237 ₹ croreFY25-03 / Q4 FY25-26
claims repudiation ratio2.97 %2.11 %FY24-25
crop insurance segment premium(size)0 ₹ lakh14565 ₹ lakhQ4 FY24-25 / Q1 FY26-27

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

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Digit General Insurance
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Reliance General Insurance
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