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

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

MetricIFFCO Tokio General InsuranceReliance General InsurancePeriod
net commission ratio(size)17.6 %17.6 %Q1 FY26-27
engineering incurred claims ratio39.5 %76.2 %Q1 FY26-27
Corporate Agents – Others premium(size)1666 ₹ lakh10600 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)50 INR_lakhs16942 INR_lakhsQ1 FY26-27
housing & infrastructure(size)21.0 %25.0 %Q1 FY26-27
marine cargo segment premium(size)13828 ₹ lakh6348 ₹ lakhQ1 FY26-27
govt + approved securities(size)51.0 %38.0 %Q1 FY26-27
solvency ratio1.97 ×1.75 ×Q1 FY26-27
motor tp combined ratio121.6 %173.6 %Q1 FY26-27
Common Service Centres (CSC) premium(size)361 ₹ lakh74 ₹ lakhQ1 FY26-27
liability incurred claims ratio86.6 %105.5 %Q1 FY26-27
gross direct premium to net worth ratio(size)51.00 ×75.00 ×Q1 FY26-27
profit before tax(size)21 ₹ crore1 ₹ croreQ1 FY26-27
marine hull combined ratio-183.9 %128.5 %Q1 FY26-27
debentures & bonds(size)318167 INR_lakhs1050493 INR_lakhsQ1 FY26-27
motor TP segment premium(size)58853 ₹ lakh45046 ₹ lakhQ1 FY26-27
other segment premium(size)18825 ₹ lakh3269 ₹ lakhQ1 FY26-27
fire combined ratio74.5 %105.3 %Q1 FY26-27
central govt. securities(size)30.0 %28.0 %Q1 FY26-27
personal accident incurred claims ratio82.3 %55.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)1633 ₹ lakh10089 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)-1 count7713 countQ1 FY26-27
crop insurance segment premium(size)71 ₹ lakh14565 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)15610 count5913 countQ1 FY26-27
Individual Agents policies(size)403281 count164737 countQ1 FY26-27
motor od incurred claims ratio71.7 %72.0 %Q1 FY26-27
travel combined ratio260.6 %117.6 %Q1 FY26-27
workmen's compensation incurred claims ratio84.7 %268.4 %Q1 FY26-27
MISP (Direct) premium(size)4332 ₹ lakh2306 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %120.0 %Q1 FY26-27
gross yield (quarterly)1.77 %7.63 %Q1 FY26-27
health segment premium(size)25599 ₹ lakh110935 ₹ lakhQ1 FY26-27
equity & preference shares(size)466 INR_lakhs99920 INR_lakhsQ1 FY26-27
crop combined ratio2074.4 %67.5 %Q1 FY26-27
mutual funds(size)20724 INR_lakhs2971 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)352 ₹ lakh667 ₹ lakhQ1 FY26-27
motor OD segment premium(size)59663 ₹ lakh46620 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
incurred claims ratio86.8 %88.2 %Q1 FY26-27
liability segment premium(size)2326 ₹ lakh2398 ₹ lakhQ1 FY26-27
health combined ratio121.6 %106.0 %Q1 FY26-27
MISP (Direct) policies(size)355111 count146864 countQ1 FY26-27
motor tp incurred claims ratio98.5 %106.9 %Q1 FY26-27
Brokers premium(size)128946 ₹ lakh174099 ₹ lakhQ1 FY26-27
motor od combined ratio130.3 %141.2 %Q1 FY26-27
operating profit ratio-2.6 %-3.7 %Q1 FY26-27
expense ratio to gross premium29.2 %29.0 %Q1 FY26-27
fire incurred claims ratio82.5 %102.0 %Q1 FY26-27
claims paid to provisioned ratio(size)6.9 %7.8 %Q1 FY26-27
combined ratio121.2 %121.2 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)17618 ₹ lakh9695 ₹ lakhQ1 FY26-27
gross written premium(size)2230 ₹ crore12237 ₹ croreQ1 FY26-27 / Q4 FY25-26
aviation combined ratio0.0 %-120.9 %Q1 FY26-27
net worth growth rate(size)3.0 %0.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)2593 count23775 countQ1 FY26-27
marine cargo incurred claims ratio87.1 %133.4 %Q1 FY26-27
Individual Agents premium(size)42681 ₹ lakh23430 ₹ lakhQ1 FY26-27
other investments(size)176186 INR_lakhs99267 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)66514 count132648 countQ1 FY26-27
underwriting balance ratio-20.7 %-0.3 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh70 ₹ lakhQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
required solvency margin(size)179508 ₹ lakh219547 ₹ lakhQ1 FY26-27
marine hull segment premium(size)555 ₹ lakh10 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)188926 count205506 countQ1 FY26-27
net yield (quarterly)1.32 %7.61 %Q1 FY26-27
fire segment premium(size)28287 ₹ lakh42132 ₹ lakhQ1 FY26-27
aviation incurred claims ratio0.0 %-131.4 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.2 %-12.2 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
engineering segment premium(size)10440 ₹ lakh13739 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio102.1 %39.1 %Q1 FY26-27
travel incurred claims ratio204.4 %32.4 %Q1 FY26-27
marine cargo combined ratio111.4 %160.4 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio97.5 %90.2 %Q1 FY26-27
infrastructure & housing(size)397223 INR_lakhs324934 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)36040 count116834 countQ1 FY26-27
workmen's compensation segment premium(size)2001 ₹ lakh599 ₹ lakhQ1 FY26-27
profit after tax(size)16 ₹ crore1 ₹ croreQ1 FY26-27
technical reserves to premium ratio(size)9.1 %9.1 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh50 ₹ lakhQ1 FY26-27
travel segment premium(size)61 ₹ lakh4266 ₹ lakhQ1 FY26-27
net retention ratio(size)64.7 %62.1 %Q1 FY26-27
government securities(size)933317 INR_lakhs544642 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio123.7 %293.2 %Q1 FY26-27
engineering combined ratio112.1 %93.6 %Q1 FY26-27
expense ratio34.4 %33.1 %Q1 FY26-27
personal accident segment premium(size)2475 ₹ lakh5532 ₹ lakhQ1 FY26-27
liability combined ratio121.0 %149.5 %Q1 FY26-27
personal accident combined ratio109.9 %75.3 %Q1 FY26-27
investment income ratio1.8 %1.9 %Q1 FY26-27
Brokers policies(size)848698 count1417761 countQ1 FY26-27
available solvency margin(size)353288 ₹ lakh384372 ₹ lakhQ1 FY26-27
gross yield (annualized)7.23 %7.94 %Q4 FY25-26
net yield (annualized)5.41 %7.93 %Q4 FY25-26
other approved securities(size)1501 INR_lakhs267515 INR_lakhsQ3 FY25-26 / Q1 FY26-27
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 %2.11 %FY24-25
claim settlement ratio82.0 %90.4 %FY24-25
net earning ratio2.5 %0.0 %Q2 FY24-25 / Q1 FY26-27
liquid assets to liabilities ratio0.3 %0.2 %Q2 FY24-25 / Q1 FY26-27
return on net worth3.3 %0.0 %Q2 FY24-25 / Q1 FY26-27
gross NPA ratio0.00 %0.00 %Q3 FY23-24 / Q1 FY26-27
debt to equity ratio0.00 ×0.33 ×Q3 FY23-24 / Q1 FY26-27
net NPA ratio0.00 %0.00 %Q3 FY23-24 / Q1 FY26-27
book value per share(size)140.31 ₹141.58 ₹Q3 FY23-24 / Q1 FY26-27

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

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IFFCO Tokio General Insurance
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Reliance General Insurance
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