ICICI Lombard General Insurance vs IFFCO Tokio General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ICICI Lombard General Insurance | IFFCO Tokio General Insurance | Period |
|---|---|---|---|
| solvency ratio | 2.00 × | 1.97 × | Q1 FY26-27 |
| fire segment premium(size) | 99719 ₹ lakh | 28287 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 1.8 % | Q1 FY26-27 |
| debentures & bonds(size) | 1372814 INR_lakhs | 318167 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5216 count | 15610 count | Q1 FY26-27 |
| motor TP segment premium(size) | 138383 ₹ lakh | 58853 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 33811 ₹ lakh | 10440 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 86.0 % | 97.5 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.6 % | 6.9 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 82.3 % | Q1 FY26-27 |
| personal accident segment premium(size) | 16238 ₹ lakh | 2475 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 109.3 % | 111.4 % | Q1 FY26-27 |
| underwriting balance ratio | -0.1 % | -20.7 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 920450 count | 66514 count | Q1 FY26-27 |
| aviation incurred claims ratio | 48.0 % | 0.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 83.0 % | 87.1 % | Q1 FY26-27 |
| fire combined ratio | 120.5 % | 74.5 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 803441 count | 188926 count | Q1 FY26-27 |
| available solvency margin(size) | 1501016 ₹ lakh | 353288 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 36.0 % | 51.0 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 44394 count | 2593 count | Q1 FY26-27 |
| operating profit ratio | 3.9 % | -2.6 % | Q1 FY26-27 |
| travel combined ratio | 107.5 % | 260.6 % | Q1 FY26-27 |
| mutual funds(size) | 141183 INR_lakhs | 20724 INR_lakhs | Q1 FY26-27 |
| liquid assets to liabilities ratio | 0.1 % | 0.3 % | Q1 FY26-27 / Q2 FY24-25 |
| other segment premium(size) | 38788 ₹ lakh | 18825 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 52.0 % | 0.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 59.0 % | 84.7 % | Q1 FY26-27 |
| net retention ratio(size) | 74.5 % | 64.7 % | Q1 FY26-27 |
| fire incurred claims ratio | 118.0 % | 82.5 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 / Q3 FY25-26 |
| book value per share(size) | 340.46 ₹ | 140.31 ₹ | Q1 FY26-27 / Q3 FY23-24 |
| required solvency margin(size) | 556784 ₹ lakh | 179508 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 140228 ₹ lakh | 59663 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | -335.0 % | 102.1 % | Q1 FY26-27 |
| housing & infrastructure(size) | 19.0 % | 21.0 % | Q1 FY26-27 |
| profit after tax(size) | 403 ₹ crore | 16 ₹ crore | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| aviation segment premium(size) | 2806 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 18.9 % | 17.6 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 2274 ₹ lakh | 352 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 32076 ₹ lakh | 13828 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 109.7 % | 121.6 % | Q1 FY26-27 |
| health segment premium(size) | 297384 ₹ lakh | 25599 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.5 % | 10.2 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1830 ₹ lakh | 71 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 666612 count | 403281 count | Q1 FY26-27 |
| return on net worth | 2.4 % | 3.3 % | Q1 FY26-27 / Q2 FY24-25 |
| liability combined ratio | 100.4 % | 121.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 70235 ₹ lakh | 1633 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 478325 ₹ lakh | 128946 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 820242 INR_lakhs | 466 INR_lakhs | Q1 FY26-27 |
| Individual Agents premium(size) | 98119 ₹ lakh | 42681 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.4 % | 9.1 % | Q1 FY26-27 |
| engineering incurred claims ratio | 87.0 % | 39.5 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13241 ₹ lakh | 1666 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 76.4 % | 86.8 % | Q1 FY26-27 |
| marine hull segment premium(size) | 4343 ₹ lakh | 555 ₹ lakh | Q1 FY26-27 |
| combined ratio | 107.2 % | 121.2 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 71.0 % | 98.5 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.89 % | 1.77 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 5639 ₹ lakh | 2001 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 2159709 INR_lakhs | 933317 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 243176 INR_lakhs | 1501 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| Corporate Agents – Others policies(size) | 663511 count | 36040 count | Q1 FY26-27 |
| infrastructure & housing(size) | 1106060 INR_lakhs | 397223 INR_lakhs | Q1 FY26-27 |
| debt to equity ratio | 0.00 × | 0.00 × | Q1 FY26-27 / Q3 FY23-24 |
| travel incurred claims ratio | 56.0 % | 204.4 % | Q1 FY26-27 |
| profit before tax(size) | 536 ₹ crore | 21 ₹ crore | Q1 FY26-27 |
| personal accident combined ratio | 63.2 % | 109.9 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 25909 ₹ lakh | 17618 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1496026 count | 355111 count | Q1 FY26-27 |
| engineering combined ratio | 85.2 % | 112.1 % | Q1 FY26-27 |
| liability segment premium(size) | 3592 ₹ lakh | 2326 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 98.3 % | 121.6 % | Q1 FY26-27 |
| crop combined ratio | -359.1 % | 2074.4 % | Q1 FY26-27 |
| motor od combined ratio | 118.1 % | 130.3 % | Q1 FY26-27 |
| expense ratio to gross premium | 28.8 % | 29.2 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 90 ₹ lakh | 361 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 8634 ₹ lakh | 61 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 6.8 % | 2.5 % | Q1 FY26-27 / Q2 FY24-25 |
| marine hull combined ratio | 40.9 % | -183.9 % | Q1 FY26-27 |
| net worth growth rate(size) | 0.9 % | 3.0 % | Q1 FY26-27 |
| liability incurred claims ratio | 47.0 % | 86.6 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 30.0 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 107.0 % | 123.7 % | Q1 FY26-27 |
| Brokers policies(size) | 4944886 count | 848698 count | Q1 FY26-27 |
| MISP (Direct) premium(size) | 21285 ₹ lakh | 4332 ₹ lakh | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 50.00 × | 51.00 × | Q1 FY26-27 |
| expense ratio | 36.2 % | 34.4 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 11353 count | -1 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 8318 INR_lakhs | 50 INR_lakhs | Q1 FY26-27 |
| other investments(size) | 206438 INR_lakhs | 176186 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 68.0 % | 71.7 % | Q1 FY26-27 |
| net yield (quarterly) | 1.28 % | 1.32 % | Q1 FY26-27 |
| aviation combined ratio | 58.2 % | 0.0 % | Q1 FY26-27 |
| gross yield (annualized) | 8.18 % | 7.23 % | Q4 FY25-26 |
| gross written premium(size) | 28712 ₹ crore | 2230 ₹ crore | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.52 % | 5.41 % | Q4 FY25-26 |
| claim settlement ratio | 81.0 % | 82.0 % | FY24-25 |
| claims repudiation ratio | 8.28 % | 3.06 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.