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HDFC ERGO General Insurance vs Kshema General Insurance: IRDAI Data Comparison

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

MetricHDFC ERGO General InsuranceKshema General InsurancePeriod
motor TP segment premium(size)34409 ₹ lakh924 ₹ lakhQ1 FY26-27
gross npa ratio0.55 %0.00 %Q1 FY26-27
marine hull segment premium(size)330 ₹ lakh0 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)2154 ₹ lakh1537 ₹ lakhQ1 FY26-27
incurred claims ratio87.5 %298.8 %Q1 FY26-27
engineering incurred claims ratio120.9 %156.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)72.00 ×12.81 ×Q1 FY26-27
govt + approved securities(size)39.0 %34.6 %Q1 FY26-27
engineering combined ratio141.9 %811.8 %Q1 FY26-27
liability combined ratio-70.2 %253.8 %Q1 FY26-27
mutual funds(size)568 INR_lakhs2147 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)6.0 %100.0 %Q1 FY26-27
gross npa (amount)15957 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)537 ₹ lakh586 ₹ lakhQ1 FY26-27
travel segment premium(size)2337 ₹ lakh0 ₹ lakhQ1 FY26-27
fire incurred claims ratio95.5 %97.4 %Q1 FY26-27
central govt. securities(size)21.0 %29.3 %Q1 FY26-27
liability incurred claims ratio-72.0 %80.9 %Q1 FY26-27
underwriting balance ratio-13.0 %-632.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)3130 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio to gross premium31.8 %170.6 %Q1 FY26-27
personal accident incurred claims ratio39.8 %31.0 %Q1 FY26-27
health segment premium(size)196532 ₹ lakh855 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)697055 count0 countQ1 FY26-27
Common Service Centres (CSC) policies(size)11146 count29728 countQ1 FY26-27
marine cargo segment premium(size)7067 ₹ lakh0 ₹ lakhQ1 FY26-27
government securities(size)659572 INR_lakhs10124 INR_lakhsQ1 FY26-27
expense ratio23.1 %201.7 %Q1 FY26-27
motor od combined ratio220.8 %310.9 %Q1 FY26-27
crop combined ratio327.3 %554.2 %Q1 FY26-27
housing & infrastructure(size)29.0 %22.3 %Q1 FY26-27
personal accident segment premium(size)19680 ₹ lakh6 ₹ lakhQ1 FY26-27
motor OD segment premium(size)54367 ₹ lakh0 ₹ lakhQ1 FY26-27
health combined ratio105.5 %266.9 %Q1 FY26-27
Insurance Marketing Firm policies(size)8180 count0 countQ1 FY26-27
Web Aggregators policies(size)501 count0 countQ1 FY26-27
Individual Agents premium(size)96034 ₹ lakh0 ₹ lakhQ1 FY26-27
net retention ratio(size)44.8 %84.0 %Q1 FY26-27
liability segment premium(size)307 ₹ lakh50 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)41840 count0 countQ1 FY26-27
workmen's compensation segment premium(size)1455 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)20.6 %-96.8 %Q1 FY26-27
Brokers premium(size)188322 ₹ lakh1853 ₹ lakhQ1 FY26-27
profit before tax(size)292 ₹ crore-65 ₹ croreQ1 FY26-27
Web Aggregators premium(size)66 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)10406 ₹ lakh5 ₹ lakhQ1 FY26-27
infrastructure & housing(size)826433 INR_lakhs6538 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)14865 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2214 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)342633 INR_lakhs6044 INR_lakhsQ1 FY26-27
solvency ratio2.18 ×1.53 ×Q1 FY26-27
other investments(size)181546 INR_lakhs3160 INR_lakhsQ1 FY26-27
Corporate Agents – Banks premium(size)43666 ₹ lakh942 ₹ lakhQ1 FY26-27
Brokers policies(size)1365293 count9303 countQ1 FY26-27
net commission ratio(size)-6.3 %18.9 %Q1 FY26-27
gross yield (quarterly)1.90 %0.06 %Q1 FY26-27 / Q3 FY25-26
technical reserves to premium ratio(size)8.8 %611.9 %Q1 FY26-27
crop incurred claims ratio105.5 %340.2 %Q1 FY26-27
motor od incurred claims ratio69.1 %100.5 %Q1 FY26-27
motor tp combined ratio135.8 %164.8 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)52442 ₹ lakh20 ₹ lakhQ1 FY26-27
personal accident combined ratio16.7 %406.4 %Q1 FY26-27
profit after tax(size)220 ₹ crore-65 ₹ croreQ1 FY26-27
net worth growth rate(size)13.3 %0.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)5266250 count231529 countQ1 FY26-27
aviation segment premium(size)455 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio95.0 %88.6 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio19.1 %97.4 %Q1 FY26-27
combined ratio110.6 %500.5 %Q1 FY26-27
operating profit ratio12.3 %-514.4 %Q1 FY26-27
MISP (Direct) policies(size)156053 count0 countQ1 FY26-27
equity & preference shares(size)409656 INR_lakhs1074 INR_lakhsQ1 FY26-27
health incurred claims ratio90.8 %94.0 %Q1 FY26-27
other segment premium(size)30587 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)1236 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio1.9 %6.0 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
Individual Agents policies(size)379289 count0 countQ1 FY26-27
gross written premium(size)15025 ₹ crore281 ₹ croreQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.20 %0.07 %Q4 FY25-26 / FY24-25
debt to equity ratio0.28 ×0.00 ×Q1 FY25-26 / Q4 FY24-25
book value per share(size)69.85 ₹10.00 ₹Q1 FY25-26 / Q1 FY26-27
earnings per share(size)2.86 ₹-2.60 ₹Q1 FY25-26 / Q1 FY26-27
required solvency margin(size)296136 ₹ lakh11309 ₹ lakhQ1 FY25-26 / Q1 FY26-27
net earning ratio12.4 %-227.4 %Q1 FY25-26 / Q1 FY26-27
available solvency margin(size)611446 ₹ lakh17252 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio93.5 %42.7 %FY24-25 / Q1 FY25-26
claims repudiation ratio1.59 %52.74 %FY24-25

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

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HDFC ERGO General Insurance
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Kshema General Insurance
All IRDAI metrics →

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