HDFC ERGO General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | HDFC ERGO General Insurance | Royal Sundaram General Insurance | Period |
|---|---|---|---|
| travel combined ratio | 107.0 % | 72.0 % | Q1 FY26-27 |
| motor TP segment premium(size) | 34409 ₹ lakh | 40596 ₹ lakh | Q1 FY26-27 |
| gross npa ratio | 0.55 % | 0.06 % | Q1 FY26-27 |
| marine hull segment premium(size) | 330 ₹ lakh | 3 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| incurred claims ratio | 87.5 % | 86.0 % | Q1 FY26-27 |
| engineering incurred claims ratio | 120.9 % | 147.4 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 72.00 × | 69.00 × | Q1 FY26-27 |
| govt + approved securities(size) | 39.0 % | 32.0 % | Q1 FY26-27 |
| Direct Business – Others policies(size) | 1186996 count | 63020 count | Q1 FY26-27 / Q4 FY25-26 |
| engineering combined ratio | 141.9 % | 229.0 % | Q1 FY26-27 |
| liability combined ratio | -70.2 % | 71.1 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 6.0 % | 9.6 % | Q1 FY26-27 |
| gross npa (amount) | 15957 INR_lakhs | 571 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 537 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 2337 ₹ lakh | 41 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 95.5 % | 65.2 % | Q1 FY26-27 |
| central govt. securities(size) | 21.0 % | 21.8 % | Q1 FY26-27 |
| liability incurred claims ratio | -72.0 % | 25.8 % | Q1 FY26-27 |
| underwriting balance ratio | -13.0 % | -21.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 3130 ₹ lakh | 13477 ₹ lakh | Q1 FY26-27 |
| Direct Business – Online policies(size) | 81802 count | 8117 count | Q1 FY26-27 |
| expense ratio to gross premium | 31.8 % | 28.7 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 39.8 % | 70.5 % | Q1 FY26-27 |
| Direct Business – Others premium(size) | 49626 ₹ lakh | 1600 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| health segment premium(size) | 196532 ₹ lakh | 42686 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 697055 count | 19250 count | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 11146 count | 0 count | Q1 FY26-27 |
| marine cargo segment premium(size) | 7067 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 659572 INR_lakhs | 316446 INR_lakhs | Q1 FY26-27 |
| expense ratio | 23.1 % | 30.3 % | Q1 FY26-27 |
| motor od combined ratio | 220.8 % | 132.7 % | Q1 FY26-27 |
| housing & infrastructure(size) | 29.0 % | 30.8 % | Q1 FY26-27 |
| personal accident segment premium(size) | 19680 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 113.7 % | 179.3 % | Q1 FY26-27 |
| motor OD segment premium(size) | 54367 ₹ lakh | 25303 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 82.1 % | 136.0 % | Q1 FY26-27 |
| health combined ratio | 105.5 % | 112.2 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 8180 count | 4219 count | Q1 FY26-27 |
| Web Aggregators policies(size) | 501 count | 21 count | Q1 FY26-27 |
| marine hull combined ratio | 2317.9 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| Individual Agents premium(size) | 96034 ₹ lakh | 8787 ₹ lakh | Q1 FY26-27 |
| net retention ratio(size) | 44.8 % | 81.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 100.0 % | 85.4 % | Q1 FY26-27 |
| liability segment premium(size) | 307 ₹ lakh | 550 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 122.0 % | 125.3 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 41840 count | 61893 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 1455 ₹ lakh | 456 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 20.6 % | 10.8 % | Q1 FY26-27 |
| Brokers premium(size) | 188322 ₹ lakh | 92437 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 292 ₹ crore | 37 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 66 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 10406 ₹ lakh | 2550 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 826433 INR_lakhs | 156865 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 14865 ₹ lakh | 6831 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) premium(size) | 2214 ₹ lakh | 210 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 342633 INR_lakhs | 329442 INR_lakhs | Q1 FY26-27 |
| solvency ratio | 2.18 × | 2.05 × | Q1 FY26-27 |
| other investments(size) | 181546 INR_lakhs | 104613 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 43666 ₹ lakh | 1366 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 1365293 count | 290309 count | Q1 FY26-27 |
| net commission ratio(size) | -6.3 % | 19.3 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.90 % | 2.46 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 8.8 % | 7.6 % | Q1 FY26-27 |
| motor od incurred claims ratio | 69.1 % | 84.2 % | Q1 FY26-27 |
| motor tp combined ratio | 135.8 % | 115.5 % | Q1 FY26-27 |
| Direct Business – Online premium(size) | 12834 ₹ lakh | 1041 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 52442 ₹ lakh | 10449 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 16.7 % | 117.8 % | Q1 FY26-27 |
| profit after tax(size) | 220 ₹ crore | 27 ₹ crore | Q1 FY26-27 |
| net worth growth rate(size) | 13.3 % | 2.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 5266250 count | 8526 count | Q1 FY26-27 |
| motor tp incurred claims ratio | 95.0 % | 80.4 % | Q1 FY26-27 |
| fire combined ratio | 19.1 % | 110.0 % | Q1 FY26-27 |
| combined ratio | 110.6 % | 116.3 % | Q1 FY26-27 |
| operating profit ratio | 12.3 % | 0.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 156053 count | 1660 count | Q1 FY26-27 |
| equity & preference shares(size) | 409656 INR_lakhs | 95946 INR_lakhs | Q1 FY26-27 |
| health incurred claims ratio | 90.8 % | 100.2 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 1236 ₹ lakh | 313 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 2.4 % | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 84.8 % | Q1 FY26-27 |
| travel incurred claims ratio | 55.8 % | 24.3 % | Q1 FY26-27 |
| marine hull incurred claims ratio | 80.0 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| Individual Agents policies(size) | 379289 count | 50754 count | Q1 FY26-27 |
| gross written premium(size) | 15025 ₹ crore | 3763 ₹ crore | Q4 FY25-26 / FY25-03 |
| gross yield (annualized) | 8.20 % | 8.49 % | Q4 FY25-26 |
| debt to equity ratio | 0.28 × | 0.07 × | Q1 FY25-26 / Q4 FY25-26 |
| gross NPA ratio | 0.59 % | 0.06 % | Q1 FY25-26 / Q4 FY25-26 |
| book value per share(size) | 69.85 ₹ | 40.92 ₹ | Q1 FY25-26 / Q4 FY25-26 |
| earnings per share(size) | 2.86 ₹ | 0.59 ₹ | Q1 FY25-26 / Q4 FY25-26 |
| required solvency margin(size) | 296136 ₹ lakh | 89975 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| net earning ratio | 12.4 % | 2.5 % | Q1 FY25-26 / Q4 FY25-26 |
| net NPA ratio | 0.00 % | 0.01 % | Q1 FY25-26 / Q4 FY25-26 |
| available solvency margin(size) | 611446 ₹ lakh | 184006 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 93.5 % | 82.1 % | FY24-25 |
| claims repudiation ratio | 1.59 % | 5.03 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.