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ICICI Lombard General Insurance vs Reliance General Insurance: IRDAI Data Comparison

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

MetricICICI Lombard General InsuranceReliance General InsurancePeriod
solvency ratio2.00 ×1.75 ×Q1 FY26-27
Direct Business – Online premium(size)82086 ₹ lakh961 ₹ lakhQ1 FY26-27
fire segment premium(size)99719 ₹ lakh42132 ₹ lakhQ1 FY26-27
investment income ratio1.9 %1.9 %Q1 FY26-27
debentures & bonds(size)1372814 INR_lakhs1050493 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)5216 count5913 countQ1 FY26-27
motor TP segment premium(size)138383 ₹ lakh45046 ₹ lakhQ1 FY26-27
engineering segment premium(size)33811 ₹ lakh13739 ₹ lakhQ1 FY26-27
health incurred claims ratio86.0 %90.2 %Q1 FY26-27
claims paid to provisioned ratio(size)7.6 %7.8 %Q1 FY26-27
Direct Business – Others premium(size)38027 ₹ lakh63520 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio55.0 %55.0 %Q1 FY26-27
personal accident segment premium(size)16238 ₹ lakh5532 ₹ lakhQ1 FY26-27
marine cargo combined ratio109.3 %160.4 %Q1 FY26-27
underwriting balance ratio-0.1 %-0.3 %Q1 FY26-27
Corporate Agents – Banks policies(size)920450 count132648 countQ1 FY26-27
aviation incurred claims ratio48.0 %-131.4 %Q1 FY26-27
marine cargo incurred claims ratio83.0 %133.4 %Q1 FY26-27
fire combined ratio120.5 %105.3 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)803441 count205506 countQ1 FY26-27
available solvency margin(size)1501016 ₹ lakh384372 ₹ lakhQ1 FY26-27
govt + approved securities(size)36.0 %38.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)44394 count23775 countQ1 FY26-27
operating profit ratio3.9 %-3.7 %Q1 FY26-27
travel combined ratio107.5 %117.6 %Q1 FY26-27
mutual funds(size)141183 INR_lakhs2971 INR_lakhsQ1 FY26-27
liquid assets to liabilities ratio0.1 %0.2 %Q1 FY26-27
other segment premium(size)38788 ₹ lakh3269 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio52.0 %120.0 %Q1 FY26-27
workmen's compensation incurred claims ratio59.0 %268.4 %Q1 FY26-27
net retention ratio(size)74.5 %62.1 %Q1 FY26-27
fire incurred claims ratio118.0 %102.0 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
book value per share(size)340.46 ₹141.58 ₹Q1 FY26-27
required solvency margin(size)556784 ₹ lakh219547 ₹ lakhQ1 FY26-27
motor OD segment premium(size)140228 ₹ lakh46620 ₹ lakhQ1 FY26-27
debt service coverage ratio0.00 ×1.03 ×Q1 FY26-27
Direct Business – Others policies(size)756042 count68355 countQ1 FY26-27
crop incurred claims ratio-335.0 %39.1 %Q1 FY26-27
housing & infrastructure(size)19.0 %25.0 %Q1 FY26-27
profit after tax(size)403 ₹ crore1 ₹ croreQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
aviation segment premium(size)2806 ₹ lakh50 ₹ lakhQ1 FY26-27
net commission ratio(size)18.9 %17.6 %Q1 FY26-27
Insurance Marketing Firm premium(size)2274 ₹ lakh667 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)32076 ₹ lakh6348 ₹ lakhQ1 FY26-27
health combined ratio109.7 %106.0 %Q1 FY26-27
health segment premium(size)297384 ₹ lakh110935 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.5 %-12.2 %Q1 FY26-27
crop insurance segment premium(size)1830 ₹ lakh14565 ₹ lakhQ1 FY26-27
Individual Agents policies(size)666612 count164737 countQ1 FY26-27
return on net worth2.4 %0.0 %Q1 FY26-27
liability combined ratio100.4 %149.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)70235 ₹ lakh10089 ₹ lakhQ1 FY26-27
Brokers premium(size)478325 ₹ lakh174099 ₹ lakhQ1 FY26-27
equity & preference shares(size)820242 INR_lakhs99920 INR_lakhsQ1 FY26-27
Individual Agents premium(size)98119 ₹ lakh23430 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.4 %9.1 %Q1 FY26-27
engineering incurred claims ratio87.0 %76.2 %Q1 FY26-27
Corporate Agents – Others premium(size)13241 ₹ lakh10600 ₹ lakhQ1 FY26-27
incurred claims ratio76.4 %88.2 %Q1 FY26-27
marine hull segment premium(size)4343 ₹ lakh10 ₹ lakhQ1 FY26-27
combined ratio107.2 %121.2 %Q1 FY26-27
motor tp incurred claims ratio71.0 %106.9 %Q1 FY26-27
gross yield (quarterly)1.89 %7.63 %Q1 FY26-27
workmen's compensation segment premium(size)5639 ₹ lakh599 ₹ lakhQ1 FY26-27
government securities(size)2159709 INR_lakhs544642 INR_lakhsQ1 FY26-27
other approved securities(size)243176 INR_lakhs267515 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)663511 count116834 countQ1 FY26-27
infrastructure & housing(size)1106060 INR_lakhs324934 INR_lakhsQ1 FY26-27
debt to equity ratio0.00 ×0.33 ×Q1 FY26-27
travel incurred claims ratio56.0 %32.4 %Q1 FY26-27
profit before tax(size)536 ₹ crore1 ₹ croreQ1 FY26-27
personal accident combined ratio63.2 %75.3 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)25909 ₹ lakh9695 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)1496026 count146864 countQ1 FY26-27
engineering combined ratio85.2 %93.6 %Q1 FY26-27
liability segment premium(size)3592 ₹ lakh2398 ₹ lakhQ1 FY26-27
motor tp combined ratio98.3 %173.6 %Q1 FY26-27
crop combined ratio-359.1 %67.5 %Q1 FY26-27
motor od combined ratio118.1 %141.2 %Q1 FY26-27
expense ratio to gross premium28.8 %29.0 %Q1 FY26-27
Web Aggregators premium(size)95 ₹ lakh70 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)90 ₹ lakh74 ₹ lakhQ1 FY26-27
travel segment premium(size)8634 ₹ lakh4266 ₹ lakhQ1 FY26-27
net earning ratio6.8 %0.0 %Q1 FY26-27
marine hull combined ratio40.9 %128.5 %Q1 FY26-27
net worth growth rate(size)0.9 %0.0 %Q1 FY26-27
liability incurred claims ratio47.0 %105.5 %Q1 FY26-27
central govt. securities(size)22.0 %28.0 %Q1 FY26-27
workmen's compensation combined ratio107.0 %293.2 %Q1 FY26-27
Brokers policies(size)4944886 count1417761 countQ1 FY26-27
Direct Business – Online policies(size)7286 count13266 countQ1 FY26-27
MISP (Direct) premium(size)21285 ₹ lakh2306 ₹ lakhQ1 FY26-27
interest service coverage ratio0.00 ×1.03 ×Q1 FY26-27
gross direct premium to net worth ratio(size)50.00 ×75.00 ×Q1 FY26-27
expense ratio36.2 %33.1 %Q1 FY26-27
Web Aggregators policies(size)11353 count7713 countQ1 FY26-27
real estate & subsidiaries(size)8318 INR_lakhs16942 INR_lakhsQ1 FY26-27
other investments(size)206438 INR_lakhs99267 INR_lakhsQ1 FY26-27
motor od incurred claims ratio68.0 %72.0 %Q1 FY26-27
net yield (quarterly)1.28 %7.61 %Q1 FY26-27
aviation combined ratio58.2 %-120.9 %Q1 FY26-27
gross yield (annualized)8.18 %7.94 %Q4 FY25-26
gross written premium(size)28712 ₹ crore12237 ₹ croreQ4 FY25-26
net yield (annualized)5.52 %7.93 %Q4 FY25-26
claim settlement ratio81.0 %90.4 %FY24-25
claims repudiation ratio8.28 %2.11 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

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ICICI Lombard General Insurance
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Reliance General Insurance
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