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Digit General Insurance vs Shriram General Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceShriram General InsurancePeriod
net yield (quarterly)1.36 %5.43 %Q1 FY26-27
personal accident incurred claims ratio83.2 %15.8 %Q1 FY26-27
motor od incurred claims ratio75.9 %98.4 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh29449 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore174 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×39.87 ×Q1 FY26-27
liability incurred claims ratio0.0 %30.4 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh17 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %17.2 %Q1 FY26-27
expense ratio39.0 %37.4 %Q1 FY26-27
aviation combined ratio82.1 %0.0 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs319808 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %94.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh350 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %5.2 %Q1 FY26-27
required solvency margin(size)200837 ₹ lakh89841 ₹ lakhQ1 FY26-27
other investments(size)48690 INR_lakhs1078 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count13162 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh177 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %100.3 %Q1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh92 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %208.4 %Q1 FY26-27
fire incurred claims ratio83.0 %58.6 %Q1 FY26-27
govt + approved securities(size)36.9 %30.3 %Q1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
crop incurred claims ratio-70.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs502514 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %41.6 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh4253 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count108 countQ1 FY26-27
aviation incurred claims ratio85.7 %0.0 %Q1 FY26-27
motor tp combined ratio114.1 %98.7 %Q1 FY26-27
health segment premium(size)38911 ₹ lakh1266 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %58.7 %Q1 FY26-27
Individual Agents policies(size)148999 count58733 countQ1 FY26-27
expense ratio to gross premium39.0 %33.7 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh29251 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh46028 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.5 %37.1 %Q1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh218 ₹ lakhQ1 FY26-27
combined ratio112.4 %104.7 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs18266 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh850 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %22.9 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh78711 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count1251 countQ1 FY26-27
profit after tax(size)86 ₹ crore131 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count723601 countQ1 FY26-27
net retention ratio(size)76.7 %84.0 %Q1 FY26-27
underwriting balance ratio-14.0 %-6.1 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh11 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %38.6 %Q1 FY26-27
liability segment premium(size)5 ₹ lakh145 ₹ lakhQ1 FY26-27
investment income ratio1.8 %1.7 %Q1 FY26-27
engineering incurred claims ratio82.4 %148.8 %Q1 FY26-27
net worth growth rate(size)12.0 %7.3 %Q1 FY26-27
available solvency margin(size)487296 ₹ lakh271557 ₹ lakhQ1 FY26-27
Brokers policies(size)2801650 count313126 countQ1 FY26-27
engineering combined ratio38.1 %233.1 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh1969 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs151575 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh34718 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %1079.9 %Q1 FY26-27
housing & infrastructure(size)29.3 %34.9 %Q1 FY26-27
motor od combined ratio135.5 %134.8 %Q1 FY26-27
travel combined ratio112.8 %45.9 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count660339 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count30316 countQ1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27
incurred claims ratio73.3 %68.7 %Q1 FY26-27
crop combined ratio4.0 %0.0 %Q1 FY26-27
workmen's compensation combined ratio102.6 %61.7 %Q1 FY26-27
fire combined ratio56.8 %150.7 %Q1 FY26-27
net commission ratio(size)29.4 %25.6 %Q1 FY26-27
central govt. securities(size)28.1 %25.6 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh623 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %7.26 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh4860 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count631 countQ1 FY26-27
government securities(size)838284 INR_lakhs458529 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %358.1 %Q1 FY26-27
health combined ratio108.4 %96.6 %Q1 FY26-27
solvency ratio2.43 ×3.02 ×Q1 FY26-27
other approved securities(size)36185 INR_lakhs5503 INR_lakhsQ1 FY26-27
gross yield (annualized)7.43 %7.27 %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
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio7.1 %12.3 %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 %5.44 %Q4 FY25-26
earnings per share(size)1.62 ₹5.06 ₹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 ₹114.19 ₹Q4 FY25-26 / Q1 FY26-27
claim settlement ratio90.7 %71.8 %FY24-25
gross written premium(size)8472 ₹ crore1180 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio2.97 %3.53 %FY24-25
crop insurance segment premium(size)0 ₹ lakh0 ₹ 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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Shriram General Insurance
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