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HDFC ERGO General Insurance vs New India Assurance: IRDAI Data Comparison

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

MetricHDFC ERGO General InsuranceNew India AssurancePeriod
motor TP segment premium(size)34409 ₹ lakh155831 ₹ lakhQ1 FY26-27
gross npa ratio0.55 %0.00 %Q1 FY26-27
marine hull segment premium(size)330 ₹ lakh15558 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)2154 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio87.5 %103.4 %Q1 FY26-27
engineering incurred claims ratio120.9 %98.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)72.00 ×0.57 ×Q1 FY26-27
govt + approved securities(size)39.0 %47.9 %Q1 FY26-27
engineering combined ratio141.9 %109.6 %Q1 FY26-27
liability combined ratio-70.2 %31.0 %Q1 FY26-27
mutual funds(size)568 INR_lakhs130140 INR_lakhsQ1 FY26-27
gross npa (amount)15957 INR_lakhs14604 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)537 ₹ lakh34 ₹ lakhQ1 FY26-27
fire incurred claims ratio95.5 %31.7 %Q1 FY26-27
central govt. securities(size)21.0 %26.6 %Q1 FY26-27
liability incurred claims ratio-72.0 %10.2 %Q1 FY26-27
underwriting balance ratio-13.0 %-0.2 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)3130 ₹ lakh2703 ₹ lakhQ1 FY26-27
expense ratio to gross premium31.8 %16.8 %Q1 FY26-27
aviation combined ratio1103.2 %77.5 %Q1 FY26-27
personal accident incurred claims ratio39.8 %127.3 %Q1 FY26-27
health segment premium(size)196532 ₹ lakh661654 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)697055 count32892 countQ1 FY26-27
Common Service Centres (CSC) policies(size)11146 count3037 countQ1 FY26-27
marine cargo segment premium(size)7067 ₹ lakh28454 ₹ lakhQ1 FY26-27
government securities(size)659572 INR_lakhs3483904 INR_lakhsQ1 FY26-27
expense ratio23.1 %18.1 %Q1 FY26-27
motor od combined ratio220.8 %141.1 %Q1 FY26-27
crop combined ratio327.3 %8158.4 %Q1 FY26-27
other approved securities(size)456090 INR_lakhs0 INR_lakhsQ1 FY26-27
housing & infrastructure(size)29.0 %23.6 %Q1 FY26-27
personal accident segment premium(size)19680 ₹ lakh20196 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio113.7 %51.9 %Q1 FY26-27
motor OD segment premium(size)54367 ₹ lakh143180 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio82.1 %34.6 %Q1 FY26-27
health combined ratio105.5 %128.1 %Q1 FY26-27
Insurance Marketing Firm policies(size)8180 count8829 countQ1 FY26-27
Web Aggregators policies(size)501 count8 countQ1 FY26-27
marine hull combined ratio2317.9 %50.0 %Q1 FY26-27
Individual Agents premium(size)96034 ₹ lakh261231 ₹ lakhQ1 FY26-27
net retention ratio(size)44.8 %81.8 %Q1 FY26-27
marine cargo incurred claims ratio100.0 %104.4 %Q1 FY26-27
liability segment premium(size)307 ₹ lakh7176 ₹ lakhQ1 FY26-27
marine cargo combined ratio122.0 %120.2 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)41840 count79740 countQ1 FY26-27
workmen's compensation segment premium(size)1455 ₹ lakh6132 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)20.6 %2.8 %Q1 FY26-27
Brokers premium(size)188322 ₹ lakh489456 ₹ lakhQ1 FY26-27
profit before tax(size)292 ₹ crore-191 ₹ croreQ1 FY26-27
Web Aggregators premium(size)66 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)10406 ₹ lakh33615 ₹ lakhQ1 FY26-27
infrastructure & housing(size)826433 INR_lakhs1593081 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)14865 ₹ lakh3499 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2214 ₹ lakh94638 ₹ lakhQ1 FY26-27
debentures & bonds(size)342633 INR_lakhs111686 INR_lakhsQ1 FY26-27
solvency ratio2.18 ×1.80 ×Q1 FY26-27
other investments(size)181546 INR_lakhs75637 INR_lakhsQ1 FY26-27
Corporate Agents – Banks premium(size)43666 ₹ lakh6709 ₹ lakhQ1 FY26-27
Brokers policies(size)1365293 count742805 countQ1 FY26-27
net commission ratio(size)-6.3 %8.4 %Q1 FY26-27
gross yield (quarterly)1.90 %10.87 %Q1 FY26-27
technical reserves to premium ratio(size)8.8 %5.3 %Q1 FY26-27
crop incurred claims ratio105.5 %8152.5 %Q1 FY26-27
motor od incurred claims ratio69.1 %119.1 %Q1 FY26-27
motor tp combined ratio135.8 %132.4 %Q1 FY26-27
fire segment premium(size)52442 ₹ lakh173566 ₹ lakhQ1 FY26-27
personal accident combined ratio16.7 %134.6 %Q1 FY26-27
profit after tax(size)220 ₹ crore-257 ₹ croreQ1 FY26-27
net worth growth rate(size)13.3 %5.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)5266250 count102238 countQ1 FY26-27
aviation segment premium(size)455 ₹ lakh13506 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio95.0 %122.2 %Q1 FY26-27
fire combined ratio19.1 %48.9 %Q1 FY26-27
combined ratio110.6 %121.4 %Q1 FY26-27
aviation incurred claims ratio101.9 %70.8 %Q1 FY26-27
operating profit ratio12.3 %-8.3 %Q1 FY26-27
MISP (Direct) policies(size)156053 count1668014 countQ1 FY26-27
equity & preference shares(size)409656 INR_lakhs2673706 INR_lakhsQ1 FY26-27
health incurred claims ratio90.8 %107.7 %Q1 FY26-27
other segment premium(size)30587 ₹ lakh74467 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)1236 ₹ lakh1627 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.1 %Q1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
marine hull incurred claims ratio80.0 %46.1 %Q1 FY26-27
Individual Agents policies(size)379289 count4531576 countQ1 FY26-27
gross written premium(size)15025 ₹ crore12464 ₹ croreQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.20 %15.37 %Q4 FY25-26
gross NPA ratio0.59 %0.21 %Q1 FY25-26 / Q1 FY26-27
book value per share(size)69.85 ₹141.95 ₹Q1 FY25-26 / Q1 FY26-27
earnings per share(size)2.86 ₹-1.56 ₹Q1 FY25-26 / Q1 FY26-27
required solvency margin(size)296136 ₹ lakh1193232 ₹ lakhQ1 FY25-26 / Q1 FY26-27
net earning ratio12.4 %-2.3 %Q1 FY25-26 / Q1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY25-26 / Q1 FY26-27
available solvency margin(size)611446 ₹ lakh2149470 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio93.5 %95.3 %FY24-25
claims repudiation ratio1.59 %1.51 %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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New India Assurance
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