ICICI Lombard General Insurance vs SBI General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ICICI Lombard General Insurance | SBI General Insurance | Period |
|---|---|---|---|
| solvency ratio | 2.00 × | 2.00 × | Q1 FY26-27 |
| Direct Business – Online premium(size) | 82086 ₹ lakh | 763 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 99719 ₹ lakh | 37470 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 2.2 % | Q1 FY26-27 |
| debentures & bonds(size) | 1372814 INR_lakhs | 527301 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5216 count | 32151 count | Q1 FY26-27 |
| motor TP segment premium(size) | 138383 ₹ lakh | 62025 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 33811 ₹ lakh | 9363 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 86.0 % | 88.2 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.6 % | 14.6 % | Q1 FY26-27 |
| Direct Business – Others premium(size) | 38027 ₹ lakh | 30144 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 42.9 % | Q1 FY26-27 |
| personal accident segment premium(size) | 16238 ₹ lakh | 44161 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 109.3 % | 196.8 % | Q1 FY26-27 |
| underwriting balance ratio | -0.1 % | -10.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 920450 count | 624380 count | Q1 FY26-27 |
| aviation incurred claims ratio | 48.0 % | 100.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 83.0 % | 175.2 % | Q1 FY26-27 |
| fire combined ratio | 120.5 % | 276.7 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 803441 count | 95763 count | Q1 FY26-27 |
| govt + approved securities(size) | 36.0 % | 37.0 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 44394 count | 1640 count | Q1 FY26-27 |
| operating profit ratio | 3.9 % | 5.5 % | Q1 FY26-27 |
| travel combined ratio | 107.5 % | 103.9 % | Q1 FY26-27 |
| mutual funds(size) | 141183 INR_lakhs | 55605 INR_lakhs | Q1 FY26-27 / Q3 FY25-26 |
| marine hull incurred claims ratio | 52.0 % | 0.0 % | Q1 FY26-27 / Q4 FY25-26 |
| workmen's compensation incurred claims ratio | 59.0 % | 64.7 % | Q1 FY26-27 |
| net retention ratio(size) | 74.5 % | 68.3 % | Q1 FY26-27 |
| fire incurred claims ratio | 118.0 % | 75.2 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| book value per share(size) | 340.46 ₹ | 231.56 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 140228 ₹ lakh | 56299 ₹ lakh | Q1 FY26-27 |
| Direct Business – Others policies(size) | 756042 count | 82246 count | Q1 FY26-27 |
| crop incurred claims ratio | -335.0 % | -21.7 % | Q1 FY26-27 |
| housing & infrastructure(size) | 19.0 % | 27.2 % | Q1 FY26-27 |
| profit after tax(size) | 403 ₹ crore | 166 ₹ 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 / Q4 FY25-26 |
| net commission ratio(size) | 18.9 % | 15.6 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 2274 ₹ lakh | 337 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 32076 ₹ lakh | 4005 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 109.7 % | 111.6 % | Q1 FY26-27 |
| health segment premium(size) | 297384 ₹ lakh | 126312 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.5 % | 10.8 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1830 ₹ lakh | 799 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 666612 count | 54927 count | Q1 FY26-27 |
| liability combined ratio | 100.4 % | 112.2 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 70235 ₹ lakh | 85651 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 478325 ₹ lakh | 208297 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 820242 INR_lakhs | 239219 INR_lakhs | Q1 FY26-27 |
| Individual Agents premium(size) | 98119 ₹ lakh | 10951 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.4 % | 6.7 % | Q1 FY26-27 |
| engineering incurred claims ratio | 87.0 % | 80.1 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13241 ₹ lakh | 2765 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 76.4 % | 79.2 % | Q1 FY26-27 |
| combined ratio | 107.2 % | 111.5 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 71.0 % | 88.2 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.89 % | 2.03 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 5639 ₹ lakh | 314 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 2159709 INR_lakhs | 924625 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 663511 count | 19211 count | Q1 FY26-27 |
| infrastructure & housing(size) | 1106060 INR_lakhs | 682117 INR_lakhs | Q1 FY26-27 |
| debt to equity ratio | 0.00 × | 0.14 × | Q1 FY26-27 / Q4 FY25-26 |
| travel incurred claims ratio | 56.0 % | 64.9 % | Q1 FY26-27 |
| profit before tax(size) | 536 ₹ crore | 222 ₹ crore | Q1 FY26-27 |
| personal accident combined ratio | 63.2 % | 57.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 25909 ₹ lakh | 10883 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1496026 count | 0 count | Q1 FY26-27 |
| engineering combined ratio | 85.2 % | 84.6 % | Q1 FY26-27 |
| liability segment premium(size) | 3592 ₹ lakh | 4029 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 98.3 % | 146.8 % | Q1 FY26-27 |
| crop combined ratio | -359.1 % | 722.8 % | Q1 FY26-27 |
| motor od combined ratio | 118.1 % | 149.6 % | Q1 FY26-27 |
| expense ratio to gross premium | 28.8 % | 28.6 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 9 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 90 ₹ lakh | 828 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 8634 ₹ lakh | 43 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 6.8 % | 0.9 % | Q1 FY26-27 / Q4 FY25-26 |
| marine hull combined ratio | 40.9 % | 0.0 % | Q1 FY26-27 / Q4 FY25-26 |
| net worth growth rate(size) | 0.9 % | 3.2 % | Q1 FY26-27 |
| liability incurred claims ratio | 47.0 % | 89.7 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 22.4 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 107.0 % | 101.6 % | Q1 FY26-27 |
| Brokers policies(size) | 4944886 count | 1303324 count | Q1 FY26-27 |
| Direct Business – Online policies(size) | 7286 count | 10957 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 × | 66.00 × | Q1 FY26-27 |
| expense ratio | 36.2 % | 32.3 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 11353 count | 56 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 8318 INR_lakhs | 34231 INR_lakhs | Q1 FY26-27 |
| other investments(size) | 206438 INR_lakhs | 90428 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 68.0 % | 83.9 % | Q1 FY26-27 |
| net yield (quarterly) | 1.28 % | 1.52 % | Q1 FY26-27 |
| aviation combined ratio | 58.2 % | 100.0 % | Q1 FY26-27 |
| gross yield (annualized) | 8.18 % | 8.04 % | Q4 FY25-26 / FY25-26 |
| gross written premium(size) | 28712 ₹ crore | 13890 ₹ crore | Q4 FY25-26 / FY25-03 |
| net yield (annualized) | 5.52 % | 6.02 % | Q4 FY25-26 / FY25-26 |
| claim settlement ratio | 81.0 % | 77.7 % | FY24-25 / Q4 FY25-26 |
| claims repudiation ratio | 8.28 % | 1.40 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.