ICICI Lombard General Insurance vs Kshema General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ICICI Lombard General Insurance | Kshema General Insurance | Period |
|---|---|---|---|
| solvency ratio | 2.00 × | 1.53 × | Q1 FY26-27 |
| fire segment premium(size) | 99719 ₹ lakh | 20 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 6.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 1372814 INR_lakhs | 6044 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5216 count | 29728 count | Q1 FY26-27 |
| motor TP segment premium(size) | 138383 ₹ lakh | 924 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 33811 ₹ lakh | 5 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 86.0 % | 94.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.6 % | 100.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 31.0 % | Q1 FY26-27 |
| personal accident segment premium(size) | 16238 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| underwriting balance ratio | -0.1 % | -632.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 920450 count | 231529 count | Q1 FY26-27 |
| fire combined ratio | 120.5 % | 97.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 803441 count | 0 count | Q1 FY26-27 |
| available solvency margin(size) | 1501016 ₹ lakh | 17252 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 36.0 % | 34.6 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 44394 count | 0 count | Q1 FY26-27 |
| operating profit ratio | 3.9 % | -514.4 % | Q1 FY26-27 |
| mutual funds(size) | 141183 INR_lakhs | 2147 INR_lakhs | Q1 FY26-27 |
| other segment premium(size) | 38788 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net retention ratio(size) | 74.5 % | 84.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 118.0 % | 97.4 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| book value per share(size) | 340.46 ₹ | 10.00 ₹ | Q1 FY26-27 |
| required solvency margin(size) | 556784 ₹ lakh | 11309 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 140228 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | -335.0 % | 340.2 % | Q1 FY26-27 |
| housing & infrastructure(size) | 19.0 % | 22.3 % | Q1 FY26-27 |
| profit after tax(size) | 403 ₹ crore | -65 ₹ crore | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| aviation segment premium(size) | 2806 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 18.9 % | 18.9 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 2274 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 32076 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 109.7 % | 266.9 % | Q1 FY26-27 |
| health segment premium(size) | 297384 ₹ lakh | 855 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.5 % | -96.8 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1830 ₹ lakh | 1537 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 666612 count | 0 count | Q1 FY26-27 |
| liability combined ratio | 100.4 % | 253.8 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 70235 ₹ lakh | 942 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 478325 ₹ lakh | 1853 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 820242 INR_lakhs | 1074 INR_lakhs | Q1 FY26-27 |
| Individual Agents premium(size) | 98119 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.4 % | 611.9 % | Q1 FY26-27 |
| engineering incurred claims ratio | 87.0 % | 156.8 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13241 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 76.4 % | 298.8 % | Q1 FY26-27 |
| marine hull segment premium(size) | 4343 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| combined ratio | 107.2 % | 500.5 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 71.0 % | 88.6 % | Q1 FY26-27 / Q4 FY25-26 |
| gross yield (quarterly) | 1.89 % | 0.06 % | Q1 FY26-27 / Q3 FY25-26 |
| workmen's compensation segment premium(size) | 5639 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 2159709 INR_lakhs | 10124 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 663511 count | 0 count | Q1 FY26-27 |
| infrastructure & housing(size) | 1106060 INR_lakhs | 6538 INR_lakhs | Q1 FY26-27 |
| debt to equity ratio | 0.00 × | 0.00 × | Q1 FY26-27 / Q4 FY24-25 |
| profit before tax(size) | 536 ₹ crore | -65 ₹ crore | Q1 FY26-27 |
| personal accident combined ratio | 63.2 % | 406.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 25909 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1496026 count | 0 count | Q1 FY26-27 |
| engineering combined ratio | 85.2 % | 811.8 % | Q1 FY26-27 |
| liability segment premium(size) | 3592 ₹ lakh | 50 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 98.3 % | 164.8 % | Q1 FY26-27 / Q4 FY25-26 |
| crop combined ratio | -359.1 % | 554.2 % | Q1 FY26-27 |
| motor od combined ratio | 118.1 % | 310.9 % | Q1 FY26-27 |
| expense ratio to gross premium | 28.8 % | 170.6 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 90 ₹ lakh | 586 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 8634 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 6.8 % | -227.4 % | Q1 FY26-27 |
| net worth growth rate(size) | 0.9 % | 0.0 % | Q1 FY26-27 |
| liability incurred claims ratio | 47.0 % | 80.9 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 29.3 % | Q1 FY26-27 |
| Brokers policies(size) | 4944886 count | 9303 count | Q1 FY26-27 |
| MISP (Direct) premium(size) | 21285 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 50.00 × | 12.81 × | Q1 FY26-27 |
| expense ratio | 36.2 % | 201.7 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 11353 count | 0 count | Q1 FY26-27 |
| other investments(size) | 206438 INR_lakhs | 3160 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 68.0 % | 100.5 % | Q1 FY26-27 |
| net yield (quarterly) | 1.28 % | 0.06 % | Q1 FY26-27 / Q3 FY25-26 |
| gross yield (annualized) | 8.18 % | 0.07 % | Q4 FY25-26 / FY24-25 |
| gross written premium(size) | 28712 ₹ crore | 281 ₹ crore | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.52 % | 0.07 % | Q4 FY25-26 / FY24-25 |
| claim settlement ratio | 81.0 % | 42.7 % | FY24-25 / Q1 FY25-26 |
| claims repudiation ratio | 8.28 % | 52.74 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.