ICICI Lombard General Insurance vs Shriram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | ICICI Lombard General Insurance | Shriram General Insurance | Period |
|---|---|---|---|
| solvency ratio | 2.00 × | 3.02 × | Q1 FY26-27 |
| fire segment premium(size) | 99719 ₹ lakh | 1969 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.9 % | 1.7 % | Q1 FY26-27 |
| debentures & bonds(size) | 1372814 INR_lakhs | 319808 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5216 count | 631 count | Q1 FY26-27 |
| motor TP segment premium(size) | 138383 ₹ lakh | 78711 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 33811 ₹ lakh | 850 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 86.0 % | 94.5 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.6 % | 5.2 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 15.8 % | Q1 FY26-27 |
| personal accident segment premium(size) | 16238 ₹ lakh | 4253 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 109.3 % | 208.4 % | Q1 FY26-27 |
| underwriting balance ratio | -0.1 % | -6.1 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 920450 count | 13162 count | Q1 FY26-27 |
| aviation incurred claims ratio | 48.0 % | 0.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 83.0 % | 100.3 % | Q1 FY26-27 |
| fire combined ratio | 120.5 % | 150.7 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 803441 count | 660339 count | Q1 FY26-27 |
| available solvency margin(size) | 1501016 ₹ lakh | 271557 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 36.0 % | 30.3 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 44394 count | 1251 count | Q1 FY26-27 |
| operating profit ratio | 3.9 % | 17.2 % | Q1 FY26-27 |
| travel combined ratio | 107.5 % | 45.9 % | Q1 FY26-27 |
| liquid assets to liabilities ratio | 0.1 % | 4.2 % | Q1 FY26-27 |
| other segment premium(size) | 38788 ₹ lakh | 1141 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 52.0 % | 0.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 59.0 % | 38.6 % | Q1 FY26-27 |
| net retention ratio(size) | 74.5 % | 84.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 118.0 % | 58.6 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| book value per share(size) | 340.46 ₹ | 114.19 ₹ | Q1 FY26-27 |
| required solvency margin(size) | 556784 ₹ lakh | 89841 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 140228 ₹ lakh | 29251 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | -335.0 % | 0.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 19.0 % | 34.9 % | Q1 FY26-27 |
| profit after tax(size) | 403 ₹ crore | 131 ₹ 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 % | 25.6 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 2274 ₹ lakh | 92 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 32076 ₹ lakh | 218 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 109.7 % | 96.6 % | Q1 FY26-27 |
| health segment premium(size) | 297384 ₹ lakh | 1266 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.5 % | 22.9 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1830 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 666612 count | 58733 count | Q1 FY26-27 |
| return on net worth | 2.4 % | 4.4 % | Q1 FY26-27 |
| liability combined ratio | 100.4 % | 358.1 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 70235 ₹ lakh | 350 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 478325 ₹ lakh | 29449 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 820242 INR_lakhs | 151575 INR_lakhs | Q1 FY26-27 |
| Individual Agents premium(size) | 98119 ₹ lakh | 4860 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.4 % | 1079.9 % | Q1 FY26-27 |
| engineering incurred claims ratio | 87.0 % | 148.8 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13241 ₹ lakh | 34718 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 76.4 % | 68.7 % | Q1 FY26-27 |
| marine hull segment premium(size) | 4343 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| combined ratio | 107.2 % | 104.7 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 71.0 % | 58.7 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.89 % | 7.26 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 5639 ₹ lakh | 177 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 2159709 INR_lakhs | 458529 INR_lakhs | Q1 FY26-27 |
| other approved securities(size) | 243176 INR_lakhs | 5503 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 663511 count | 723601 count | Q1 FY26-27 |
| infrastructure & housing(size) | 1106060 INR_lakhs | 502514 INR_lakhs | Q1 FY26-27 |
| travel incurred claims ratio | 56.0 % | 37.1 % | Q1 FY26-27 |
| profit before tax(size) | 536 ₹ crore | 174 ₹ crore | Q1 FY26-27 |
| personal accident combined ratio | 63.2 % | 41.6 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 25909 ₹ lakh | 46028 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1496026 count | 30316 count | Q1 FY26-27 |
| engineering combined ratio | 85.2 % | 233.1 % | Q1 FY26-27 |
| liability segment premium(size) | 3592 ₹ lakh | 145 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 98.3 % | 98.7 % | Q1 FY26-27 |
| crop combined ratio | -359.1 % | 0.0 % | Q1 FY26-27 |
| motor od combined ratio | 118.1 % | 134.8 % | Q1 FY26-27 |
| expense ratio to gross premium | 28.8 % | 33.7 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 17 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 90 ₹ lakh | 11 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 8634 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 6.8 % | 12.3 % | Q1 FY26-27 |
| marine hull combined ratio | 40.9 % | 0.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 0.9 % | 7.3 % | Q1 FY26-27 |
| liability incurred claims ratio | 47.0 % | 30.4 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 25.6 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 107.0 % | 61.7 % | Q1 FY26-27 |
| Brokers policies(size) | 4944886 count | 313126 count | Q1 FY26-27 |
| MISP (Direct) premium(size) | 21285 ₹ lakh | 623 ₹ lakh | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 50.00 × | 39.87 × | Q1 FY26-27 |
| expense ratio | 36.2 % | 37.4 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 11353 count | 108 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 8318 INR_lakhs | 18266 INR_lakhs | Q1 FY26-27 |
| other investments(size) | 206438 INR_lakhs | 1078 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 68.0 % | 98.4 % | Q1 FY26-27 |
| net yield (quarterly) | 1.28 % | 5.43 % | Q1 FY26-27 |
| aviation combined ratio | 58.2 % | 0.0 % | Q1 FY26-27 |
| gross yield (annualized) | 8.18 % | 7.27 % | Q4 FY25-26 |
| gross written premium(size) | 28712 ₹ crore | 1180 ₹ crore | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.52 % | 5.44 % | Q4 FY25-26 |
| claim settlement ratio | 81.0 % | 71.8 % | FY24-25 |
| claims repudiation ratio | 8.28 % | 3.53 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.