HDFC ERGO General Insurance vs Shriram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | HDFC ERGO General Insurance | Shriram General Insurance | Period |
|---|---|---|---|
| travel combined ratio | 107.0 % | 45.9 % | Q1 FY26-27 |
| motor TP segment premium(size) | 34409 ₹ lakh | 78711 ₹ lakh | Q1 FY26-27 |
| gross npa ratio | 0.55 % | 0.00 % | Q1 FY26-27 |
| marine hull segment premium(size) | 330 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 2154 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 87.5 % | 68.7 % | Q1 FY26-27 |
| engineering incurred claims ratio | 120.9 % | 148.8 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 72.00 × | 39.87 × | Q1 FY26-27 |
| govt + approved securities(size) | 39.0 % | 30.3 % | Q1 FY26-27 |
| engineering combined ratio | 141.9 % | 233.1 % | Q1 FY26-27 |
| liability combined ratio | -70.2 % | 358.1 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 6.0 % | 5.2 % | Q1 FY26-27 |
| gross npa (amount) | 15957 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 537 ₹ lakh | 11 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 2337 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 95.5 % | 58.6 % | Q1 FY26-27 |
| central govt. securities(size) | 21.0 % | 25.6 % | Q1 FY26-27 |
| liability incurred claims ratio | -72.0 % | 30.4 % | Q1 FY26-27 |
| underwriting balance ratio | -13.0 % | -6.1 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 3130 ₹ lakh | 46028 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | 31.8 % | 33.7 % | Q1 FY26-27 |
| aviation combined ratio | 1103.2 % | 0.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 39.8 % | 15.8 % | Q1 FY26-27 |
| health segment premium(size) | 196532 ₹ lakh | 1266 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 697055 count | 723601 count | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 11146 count | 631 count | Q1 FY26-27 |
| marine cargo segment premium(size) | 7067 ₹ lakh | 218 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 659572 INR_lakhs | 458529 INR_lakhs | Q1 FY26-27 |
| expense ratio | 23.1 % | 37.4 % | Q1 FY26-27 |
| motor od combined ratio | 220.8 % | 134.8 % | Q1 FY26-27 |
| crop combined ratio | 327.3 % | 0.0 % | Q1 FY26-27 |
| other approved securities(size) | 456090 INR_lakhs | 5503 INR_lakhs | Q1 FY26-27 |
| housing & infrastructure(size) | 29.0 % | 34.9 % | Q1 FY26-27 |
| personal accident segment premium(size) | 19680 ₹ lakh | 4253 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 113.7 % | 61.7 % | Q1 FY26-27 |
| motor OD segment premium(size) | 54367 ₹ lakh | 29251 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 82.1 % | 38.6 % | Q1 FY26-27 |
| health combined ratio | 105.5 % | 96.6 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 8180 count | 1251 count | Q1 FY26-27 |
| Web Aggregators policies(size) | 501 count | 108 count | Q1 FY26-27 |
| marine hull combined ratio | 2317.9 % | 0.0 % | Q1 FY26-27 |
| Individual Agents premium(size) | 96034 ₹ lakh | 4860 ₹ lakh | Q1 FY26-27 |
| net retention ratio(size) | 44.8 % | 84.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 100.0 % | 100.3 % | Q1 FY26-27 |
| liability segment premium(size) | 307 ₹ lakh | 145 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 122.0 % | 208.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 41840 count | 660339 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 1455 ₹ lakh | 177 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 20.6 % | 22.9 % | Q1 FY26-27 |
| Brokers premium(size) | 188322 ₹ lakh | 29449 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 292 ₹ crore | 174 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 66 ₹ lakh | 17 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 10406 ₹ lakh | 850 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 826433 INR_lakhs | 502514 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 14865 ₹ lakh | 34718 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) premium(size) | 2214 ₹ lakh | 623 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 342633 INR_lakhs | 319808 INR_lakhs | Q1 FY26-27 |
| solvency ratio | 2.18 × | 3.02 × | Q1 FY26-27 |
| other investments(size) | 181546 INR_lakhs | 1078 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 43666 ₹ lakh | 350 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 1365293 count | 313126 count | Q1 FY26-27 |
| net commission ratio(size) | -6.3 % | 25.6 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.90 % | 7.26 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 8.8 % | 1079.9 % | Q1 FY26-27 |
| crop incurred claims ratio | 105.5 % | 0.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 69.1 % | 98.4 % | Q1 FY26-27 |
| motor tp combined ratio | 135.8 % | 98.7 % | Q1 FY26-27 |
| fire segment premium(size) | 52442 ₹ lakh | 1969 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 16.7 % | 41.6 % | Q1 FY26-27 |
| profit after tax(size) | 220 ₹ crore | 131 ₹ crore | Q1 FY26-27 |
| net worth growth rate(size) | 13.3 % | 7.3 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 5266250 count | 13162 count | Q1 FY26-27 |
| aviation segment premium(size) | 455 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 95.0 % | 58.7 % | Q1 FY26-27 |
| fire combined ratio | 19.1 % | 150.7 % | Q1 FY26-27 |
| combined ratio | 110.6 % | 104.7 % | Q1 FY26-27 |
| aviation incurred claims ratio | 101.9 % | 0.0 % | Q1 FY26-27 |
| operating profit ratio | 12.3 % | 17.2 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 156053 count | 30316 count | Q1 FY26-27 |
| equity & preference shares(size) | 409656 INR_lakhs | 151575 INR_lakhs | Q1 FY26-27 |
| health incurred claims ratio | 90.8 % | 94.5 % | Q1 FY26-27 |
| other segment premium(size) | 30587 ₹ lakh | 1141 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 1236 ₹ lakh | 92 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 1.7 % | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 0.0 % | Q1 FY26-27 |
| travel incurred claims ratio | 55.8 % | 37.1 % | Q1 FY26-27 |
| marine hull incurred claims ratio | 80.0 % | 0.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 379289 count | 58733 count | Q1 FY26-27 |
| gross written premium(size) | 15025 ₹ crore | 1180 ₹ crore | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 8.20 % | 7.27 % | Q4 FY25-26 |
| book value per share(size) | 69.85 ₹ | 114.19 ₹ | Q1 FY25-26 / Q1 FY26-27 |
| earnings per share(size) | 2.86 ₹ | 5.06 ₹ | Q1 FY25-26 / Q1 FY26-27 |
| required solvency margin(size) | 296136 ₹ lakh | 89841 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| net earning ratio | 12.4 % | 12.3 % | Q1 FY25-26 / Q1 FY26-27 |
| available solvency margin(size) | 611446 ₹ lakh | 271557 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 93.5 % | 71.8 % | FY24-25 |
| claims repudiation ratio | 1.59 % | 3.53 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.