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Digit General Insurance vs SBI General Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceSBI General InsurancePeriod
net yield (quarterly)1.36 %1.52 %Q1 FY26-27
personal accident incurred claims ratio83.2 %42.9 %Q1 FY26-27
motor od incurred claims ratio75.9 %83.9 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh208297 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore222 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×66.00 ×Q1 FY26-27
liability incurred claims ratio0.0 %89.7 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh9 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %5.5 %Q1 FY26-27
expense ratio39.0 %32.3 %Q1 FY26-27
aviation combined ratio82.1 %100.0 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
debentures & bonds(size)295286 INR_lakhs527301 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %88.2 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh85651 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %14.6 %Q1 FY26-27
other investments(size)48690 INR_lakhs90428 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count624380 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh314 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %175.2 %Q1 FY26-27
mutual funds(size)50143 INR_lakhs55605 INR_lakhsQ1 FY26-27 / Q3 FY25-26
Insurance Marketing Firm premium(size)1932 ₹ lakh337 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %196.8 %Q1 FY26-27
fire incurred claims ratio83.0 %75.2 %Q1 FY26-27
govt + approved securities(size)36.9 %37.0 %Q1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
crop incurred claims ratio-70.0 %-21.7 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs682117 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %57.4 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh44161 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count56 countQ1 FY26-27
aviation incurred claims ratio85.7 %100.0 %Q1 FY26-27
motor tp combined ratio114.1 %146.8 %Q1 FY26-27
health segment premium(size)38911 ₹ lakh126312 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %88.2 %Q1 FY26-27
Individual Agents policies(size)148999 count54927 countQ1 FY26-27
expense ratio to gross premium39.0 %28.6 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh56299 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh43 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh10883 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.5 %64.9 %Q1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh4005 ₹ lakhQ1 FY26-27
combined ratio112.4 %111.5 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs34231 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh9363 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %10.8 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh62025 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count1640 countQ1 FY26-27
profit after tax(size)86 ₹ crore166 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count19211 countQ1 FY26-27
net retention ratio(size)76.7 %68.3 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)36113 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)136826 count10957 countQ1 FY26-27
underwriting balance ratio-14.0 %-10.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh828 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %64.7 %Q1 FY26-27
liability segment premium(size)5 ₹ lakh4029 ₹ lakhQ1 FY26-27
investment income ratio1.8 %2.2 %Q1 FY26-27
engineering incurred claims ratio82.4 %80.1 %Q1 FY26-27
net worth growth rate(size)12.0 %3.2 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)21888 count0 countQ1 FY26-27
Brokers policies(size)2801650 count1303324 countQ1 FY26-27
engineering combined ratio38.1 %84.6 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh37470 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs239219 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh2765 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %6.7 %Q1 FY26-27
housing & infrastructure(size)29.3 %27.2 %Q1 FY26-27
motor od combined ratio135.5 %149.6 %Q1 FY26-27
travel combined ratio112.8 %103.9 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count95763 countQ1 FY26-27
MISP (Direct) policies(size)205332 count0 countQ1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
incurred claims ratio73.3 %79.2 %Q1 FY26-27
crop combined ratio4.0 %722.8 %Q1 FY26-27
Direct Business – Online premium(size)3562 ₹ lakh763 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio102.6 %101.6 %Q1 FY26-27
fire combined ratio56.8 %276.7 %Q1 FY26-27
net commission ratio(size)29.4 %15.6 %Q1 FY26-27
central govt. securities(size)28.1 %22.4 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh0 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %2.03 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh10951 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count32151 countQ1 FY26-27
government securities(size)838284 INR_lakhs924625 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %112.2 %Q1 FY26-27
health combined ratio108.4 %111.6 %Q1 FY26-27
solvency ratio2.43 ×2.00 ×Q1 FY26-27
Direct Business – Others policies(size)0 count82246 countQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.43 %8.04 %Q4 FY25-26 / 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 ×0.14 ×Q4 FY25-26
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio7.1 %0.9 %Q4 FY25-26
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh30144 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.40 %6.02 %Q4 FY25-26 / FY25-26
earnings per share(size)1.62 ₹1.36 ₹Q4 FY25-26
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
book value per share(size)49.61 ₹231.56 ₹Q4 FY25-26
claim settlement ratio90.7 %77.7 %FY24-25 / Q4 FY25-26
gross written premium(size)8472 ₹ crore13890 ₹ croreFY25-03
claims repudiation ratio2.97 %1.40 %FY24-25
crop insurance segment premium(size)0 ₹ lakh799 ₹ 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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SBI General Insurance
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