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ICICI Lombard General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricICICI Lombard General InsuranceRoyal Sundaram General InsurancePeriod
solvency ratio2.00 ×2.05 ×Q1 FY26-27
Direct Business – Online premium(size)82086 ₹ lakh1041 ₹ lakhQ1 FY26-27
fire segment premium(size)99719 ₹ lakh10449 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.4 %Q1 FY26-27
debentures & bonds(size)1372814 INR_lakhs329442 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)5216 count0 countQ1 FY26-27
motor TP segment premium(size)138383 ₹ lakh40596 ₹ lakhQ1 FY26-27
engineering segment premium(size)33811 ₹ lakh2550 ₹ lakhQ1 FY26-27
health incurred claims ratio86.0 %100.2 %Q1 FY26-27
claims paid to provisioned ratio(size)7.6 %9.6 %Q1 FY26-27
Direct Business – Others premium(size)38027 ₹ lakh1600 ₹ lakhQ1 FY26-27 / Q4 FY25-26
personal accident incurred claims ratio55.0 %70.5 %Q1 FY26-27
personal accident segment premium(size)16238 ₹ lakh2622 ₹ lakhQ1 FY26-27
marine cargo combined ratio109.3 %125.3 %Q1 FY26-27
underwriting balance ratio-0.1 %-21.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)920450 count8526 countQ1 FY26-27
marine cargo incurred claims ratio83.0 %85.4 %Q1 FY26-27
fire combined ratio120.5 %110.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)803441 count61893 countQ1 FY26-27
available solvency margin(size)1501016 ₹ lakh184006 ₹ lakhQ1 FY26-27
govt + approved securities(size)36.0 %32.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)44394 count4219 countQ1 FY26-27
operating profit ratio3.9 %0.0 %Q1 FY26-27
travel combined ratio107.5 %72.0 %Q1 FY26-27
marine hull incurred claims ratio52.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
workmen's compensation incurred claims ratio59.0 %136.0 %Q1 FY26-27
net retention ratio(size)74.5 %81.0 %Q1 FY26-27
fire incurred claims ratio118.0 %65.2 %Q1 FY26-27
npa provision coverage0.0 %84.8 %Q1 FY26-27
book value per share(size)340.46 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
required solvency margin(size)556784 ₹ lakh89975 ₹ lakhQ1 FY26-27
motor OD segment premium(size)140228 ₹ lakh25303 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)756042 count63020 countQ1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)19.0 %30.8 %Q1 FY26-27
profit after tax(size)403 ₹ crore27 ₹ croreQ1 FY26-27
gross npa (amount)0 INR_lakhs571 INR_lakhsQ1 FY26-27
net commission ratio(size)18.9 %19.3 %Q1 FY26-27
Insurance Marketing Firm premium(size)2274 ₹ lakh313 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)32076 ₹ lakh2622 ₹ lakhQ1 FY26-27
health combined ratio109.7 %112.2 %Q1 FY26-27
health segment premium(size)297384 ₹ lakh42686 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.5 %10.8 %Q1 FY26-27
Individual Agents policies(size)666612 count50754 countQ1 FY26-27
liability combined ratio100.4 %71.1 %Q1 FY26-27
Corporate Agents – Banks premium(size)70235 ₹ lakh1366 ₹ lakhQ1 FY26-27
Brokers premium(size)478325 ₹ lakh92437 ₹ lakhQ1 FY26-27
equity & preference shares(size)820242 INR_lakhs95946 INR_lakhsQ1 FY26-27
Individual Agents premium(size)98119 ₹ lakh8787 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.4 %7.6 %Q1 FY26-27
engineering incurred claims ratio87.0 %147.4 %Q1 FY26-27
Corporate Agents – Others premium(size)13241 ₹ lakh6831 ₹ lakhQ1 FY26-27
incurred claims ratio76.4 %86.0 %Q1 FY26-27
marine hull segment premium(size)4343 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
combined ratio107.2 %116.3 %Q1 FY26-27
motor tp incurred claims ratio71.0 %80.4 %Q1 FY26-27
gross yield (quarterly)1.89 %2.46 %Q1 FY26-27
workmen's compensation segment premium(size)5639 ₹ lakh456 ₹ lakhQ1 FY26-27
government securities(size)2159709 INR_lakhs316446 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)663511 count19250 countQ1 FY26-27
infrastructure & housing(size)1106060 INR_lakhs156865 INR_lakhsQ1 FY26-27
debt to equity ratio0.00 ×0.07 ×Q1 FY26-27 / Q4 FY25-26
travel incurred claims ratio56.0 %24.3 %Q1 FY26-27
profit before tax(size)536 ₹ crore37 ₹ croreQ1 FY26-27
personal accident combined ratio63.2 %117.8 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)25909 ₹ lakh13477 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)1496026 count1660 countQ1 FY26-27
engineering combined ratio85.2 %229.0 %Q1 FY26-27
liability segment premium(size)3592 ₹ lakh550 ₹ lakhQ1 FY26-27
motor tp combined ratio98.3 %115.5 %Q1 FY26-27
motor od combined ratio118.1 %132.7 %Q1 FY26-27
expense ratio to gross premium28.8 %28.7 %Q1 FY26-27
Web Aggregators premium(size)95 ₹ lakh7 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)90 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)8634 ₹ lakh41 ₹ lakhQ1 FY26-27
net earning ratio6.8 %2.5 %Q1 FY26-27 / Q4 FY25-26
marine hull combined ratio40.9 %0.0 %Q1 FY26-27 / Q1 FY25-26
net worth growth rate(size)0.9 %2.0 %Q1 FY26-27
liability incurred claims ratio47.0 %25.8 %Q1 FY26-27
central govt. securities(size)22.0 %21.8 %Q1 FY26-27
workmen's compensation combined ratio107.0 %179.3 %Q1 FY26-27
Brokers policies(size)4944886 count290309 countQ1 FY26-27
Direct Business – Online policies(size)7286 count8117 countQ1 FY26-27
MISP (Direct) premium(size)21285 ₹ lakh210 ₹ lakhQ1 FY26-27
gross direct premium to net worth ratio(size)50.00 ×69.00 ×Q1 FY26-27
expense ratio36.2 %30.3 %Q1 FY26-27
Web Aggregators policies(size)11353 count21 countQ1 FY26-27
other investments(size)206438 INR_lakhs104613 INR_lakhsQ1 FY26-27
motor od incurred claims ratio68.0 %84.2 %Q1 FY26-27
net yield (quarterly)1.28 %2.46 %Q1 FY26-27
gross yield (annualized)8.18 %8.49 %Q4 FY25-26
gross written premium(size)28712 ₹ crore3763 ₹ croreQ4 FY25-26 / FY25-03
net yield (annualized)5.52 %8.49 %Q4 FY25-26
claim settlement ratio81.0 %82.1 %FY24-25
claims repudiation ratio8.28 %5.03 %FY24-25

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

Individual profiles

ICICI Lombard General Insurance
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Royal Sundaram General Insurance
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