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IFFCO Tokio General Insurance vs Kshema General Insurance: IRDAI Data Comparison

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

MetricIFFCO Tokio General InsuranceKshema General InsurancePeriod
net commission ratio(size)17.6 %18.9 %Q1 FY26-27
engineering incurred claims ratio39.5 %156.8 %Q1 FY26-27
Corporate Agents – Others premium(size)1666 ₹ lakh0 ₹ lakhQ1 FY26-27
housing & infrastructure(size)21.0 %22.3 %Q1 FY26-27
marine cargo segment premium(size)13828 ₹ lakh0 ₹ lakhQ1 FY26-27
govt + approved securities(size)51.0 %34.6 %Q1 FY26-27
solvency ratio1.97 ×1.53 ×Q1 FY26-27
motor tp combined ratio121.6 %164.8 %Q1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) premium(size)361 ₹ lakh586 ₹ lakhQ1 FY26-27
liability incurred claims ratio86.6 %80.9 %Q1 FY26-27
gross direct premium to net worth ratio(size)51.00 ×12.81 ×Q1 FY26-27
profit before tax(size)21 ₹ crore-65 ₹ croreQ1 FY26-27
debentures & bonds(size)318167 INR_lakhs6044 INR_lakhsQ1 FY26-27
motor TP segment premium(size)58853 ₹ lakh924 ₹ lakhQ1 FY26-27
other segment premium(size)18825 ₹ lakh0 ₹ lakhQ1 FY26-27
fire combined ratio74.5 %97.4 %Q1 FY26-27
central govt. securities(size)30.0 %29.3 %Q1 FY26-27
personal accident incurred claims ratio82.3 %31.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)1633 ₹ lakh942 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)-1 count0 countQ1 FY26-27
crop insurance segment premium(size)71 ₹ lakh1537 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)15610 count29728 countQ1 FY26-27
Individual Agents policies(size)403281 count0 countQ1 FY26-27
motor od incurred claims ratio71.7 %100.5 %Q1 FY26-27
MISP (Direct) premium(size)4332 ₹ lakh0 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.77 %0.06 %Q1 FY26-27 / Q3 FY25-26
health segment premium(size)25599 ₹ lakh855 ₹ lakhQ1 FY26-27
equity & preference shares(size)466 INR_lakhs1074 INR_lakhsQ1 FY26-27
crop combined ratio2074.4 %554.2 %Q1 FY26-27
mutual funds(size)20724 INR_lakhs2147 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)352 ₹ lakh0 ₹ lakhQ1 FY26-27
motor OD segment premium(size)59663 ₹ lakh0 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
incurred claims ratio86.8 %298.8 %Q1 FY26-27
liability segment premium(size)2326 ₹ lakh50 ₹ lakhQ1 FY26-27
health combined ratio121.6 %266.9 %Q1 FY26-27
MISP (Direct) policies(size)355111 count0 countQ1 FY26-27
motor tp incurred claims ratio98.5 %88.6 %Q1 FY26-27 / Q4 FY25-26
Brokers premium(size)128946 ₹ lakh1853 ₹ lakhQ1 FY26-27
motor od combined ratio130.3 %310.9 %Q1 FY26-27
operating profit ratio-2.6 %-514.4 %Q1 FY26-27
expense ratio to gross premium29.2 %170.6 %Q1 FY26-27
fire incurred claims ratio82.5 %97.4 %Q1 FY26-27
claims paid to provisioned ratio(size)6.9 %100.0 %Q1 FY26-27
combined ratio121.2 %500.5 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)17618 ₹ lakh0 ₹ lakhQ1 FY26-27
gross written premium(size)2230 ₹ crore281 ₹ croreQ1 FY26-27
net worth growth rate(size)3.0 %0.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)2593 count0 countQ1 FY26-27
Individual Agents premium(size)42681 ₹ lakh0 ₹ lakhQ1 FY26-27
other investments(size)176186 INR_lakhs3160 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)66514 count231529 countQ1 FY26-27
underwriting balance ratio-20.7 %-632.0 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
required solvency margin(size)179508 ₹ lakh11309 ₹ lakhQ1 FY26-27
marine hull segment premium(size)555 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)188926 count0 countQ1 FY26-27
net yield (quarterly)1.32 %0.06 %Q1 FY26-27 / Q3 FY25-26
fire segment premium(size)28287 ₹ lakh20 ₹ lakhQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.2 %-96.8 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
engineering segment premium(size)10440 ₹ lakh5 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio102.1 %340.2 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio97.5 %94.0 %Q1 FY26-27
infrastructure & housing(size)397223 INR_lakhs6538 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)36040 count0 countQ1 FY26-27
workmen's compensation segment premium(size)2001 ₹ lakh0 ₹ lakhQ1 FY26-27
profit after tax(size)16 ₹ crore-65 ₹ croreQ1 FY26-27
technical reserves to premium ratio(size)9.1 %611.9 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)61 ₹ lakh0 ₹ lakhQ1 FY26-27
net retention ratio(size)64.7 %84.0 %Q1 FY26-27
government securities(size)933317 INR_lakhs10124 INR_lakhsQ1 FY26-27
engineering combined ratio112.1 %811.8 %Q1 FY26-27
expense ratio34.4 %201.7 %Q1 FY26-27
personal accident segment premium(size)2475 ₹ lakh6 ₹ lakhQ1 FY26-27
liability combined ratio121.0 %253.8 %Q1 FY26-27
personal accident combined ratio109.9 %406.4 %Q1 FY26-27
investment income ratio1.8 %6.0 %Q1 FY26-27
Brokers policies(size)848698 count9303 countQ1 FY26-27
available solvency margin(size)353288 ₹ lakh17252 ₹ lakhQ1 FY26-27
gross yield (annualized)7.23 %0.07 %Q4 FY25-26 / FY24-25
net yield (annualized)5.41 %0.07 %Q4 FY25-26 / FY24-25
gross npa (amount)0 INR_lakhs0 INR_lakhsQ3 FY25-26 / Q1 FY26-27
npa provision coverage0.0 %0.0 %Q3 FY25-26 / Q1 FY26-27
claims repudiation ratio3.06 %52.74 %FY24-25
claim settlement ratio82.0 %42.7 %FY24-25 / Q1 FY25-26
net earning ratio2.5 %-227.4 %Q2 FY24-25 / Q1 FY26-27
debt to equity ratio0.00 ×0.00 ×Q3 FY23-24 / Q4 FY24-25
earnings per share(size)5.79 ₹-2.60 ₹Q3 FY23-24 / Q1 FY26-27
book value per share(size)140.31 ₹10.00 ₹Q3 FY23-24 / Q1 FY26-27

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

Individual profiles

IFFCO Tokio General Insurance
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Kshema General Insurance
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