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

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

MetricIFFCO Tokio General InsuranceShriram General InsurancePeriod
net commission ratio(size)17.6 %25.6 %Q1 FY26-27
engineering incurred claims ratio39.5 %148.8 %Q1 FY26-27
Corporate Agents – Others premium(size)1666 ₹ lakh34718 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)50 INR_lakhs18266 INR_lakhsQ1 FY26-27
housing & infrastructure(size)21.0 %34.9 %Q1 FY26-27
marine cargo segment premium(size)13828 ₹ lakh218 ₹ lakhQ1 FY26-27
govt + approved securities(size)51.0 %30.3 %Q1 FY26-27
solvency ratio1.97 ×3.02 ×Q1 FY26-27
motor tp combined ratio121.6 %98.7 %Q1 FY26-27
Common Service Centres (CSC) premium(size)361 ₹ lakh11 ₹ lakhQ1 FY26-27
liability incurred claims ratio86.6 %30.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)51.00 ×39.87 ×Q1 FY26-27
profit before tax(size)21 ₹ crore174 ₹ croreQ1 FY26-27
marine hull combined ratio-183.9 %0.0 %Q1 FY26-27
debentures & bonds(size)318167 INR_lakhs319808 INR_lakhsQ1 FY26-27
motor TP segment premium(size)58853 ₹ lakh78711 ₹ lakhQ1 FY26-27
other segment premium(size)18825 ₹ lakh1141 ₹ lakhQ1 FY26-27
fire combined ratio74.5 %150.7 %Q1 FY26-27
central govt. securities(size)30.0 %25.6 %Q1 FY26-27
personal accident incurred claims ratio82.3 %15.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)1633 ₹ lakh350 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)-1 count108 countQ1 FY26-27
crop insurance segment premium(size)71 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)15610 count631 countQ1 FY26-27
Individual Agents policies(size)403281 count58733 countQ1 FY26-27
motor od incurred claims ratio71.7 %98.4 %Q1 FY26-27
travel combined ratio260.6 %45.9 %Q1 FY26-27
workmen's compensation incurred claims ratio84.7 %38.6 %Q1 FY26-27
MISP (Direct) premium(size)4332 ₹ lakh623 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
gross yield (quarterly)1.77 %7.26 %Q1 FY26-27
health segment premium(size)25599 ₹ lakh1266 ₹ lakhQ1 FY26-27
equity & preference shares(size)466 INR_lakhs151575 INR_lakhsQ1 FY26-27
crop combined ratio2074.4 %0.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)352 ₹ lakh92 ₹ lakhQ1 FY26-27
motor OD segment premium(size)59663 ₹ lakh29251 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
incurred claims ratio86.8 %68.7 %Q1 FY26-27
liability segment premium(size)2326 ₹ lakh145 ₹ lakhQ1 FY26-27
health combined ratio121.6 %96.6 %Q1 FY26-27
MISP (Direct) policies(size)355111 count30316 countQ1 FY26-27
motor tp incurred claims ratio98.5 %58.7 %Q1 FY26-27
Brokers premium(size)128946 ₹ lakh29449 ₹ lakhQ1 FY26-27
motor od combined ratio130.3 %134.8 %Q1 FY26-27
operating profit ratio-2.6 %17.2 %Q1 FY26-27
expense ratio to gross premium29.2 %33.7 %Q1 FY26-27
fire incurred claims ratio82.5 %58.6 %Q1 FY26-27
claims paid to provisioned ratio(size)6.9 %5.2 %Q1 FY26-27
combined ratio121.2 %104.7 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)17618 ₹ lakh46028 ₹ lakhQ1 FY26-27
gross written premium(size)2230 ₹ crore1180 ₹ croreQ1 FY26-27
aviation combined ratio0.0 %0.0 %Q1 FY26-27
net worth growth rate(size)3.0 %7.3 %Q1 FY26-27
Insurance Marketing Firm policies(size)2593 count1251 countQ1 FY26-27
marine cargo incurred claims ratio87.1 %100.3 %Q1 FY26-27
Individual Agents premium(size)42681 ₹ lakh4860 ₹ lakhQ1 FY26-27
other investments(size)176186 INR_lakhs1078 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)66514 count13162 countQ1 FY26-27
underwriting balance ratio-20.7 %-6.1 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh17 ₹ lakhQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
required solvency margin(size)179508 ₹ lakh89841 ₹ lakhQ1 FY26-27
marine hull segment premium(size)555 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)188926 count660339 countQ1 FY26-27
net yield (quarterly)1.32 %5.43 %Q1 FY26-27
fire segment premium(size)28287 ₹ lakh1969 ₹ lakhQ1 FY26-27
aviation incurred claims ratio0.0 %0.0 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.2 %22.9 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
engineering segment premium(size)10440 ₹ lakh850 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio102.1 %0.0 %Q1 FY26-27
travel incurred claims ratio204.4 %37.1 %Q1 FY26-27
marine cargo combined ratio111.4 %208.4 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio97.5 %94.5 %Q1 FY26-27
infrastructure & housing(size)397223 INR_lakhs502514 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)36040 count723601 countQ1 FY26-27
workmen's compensation segment premium(size)2001 ₹ lakh177 ₹ lakhQ1 FY26-27
profit after tax(size)16 ₹ crore131 ₹ croreQ1 FY26-27
technical reserves to premium ratio(size)9.1 %1079.9 %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_lakhs458529 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio123.7 %61.7 %Q1 FY26-27
engineering combined ratio112.1 %233.1 %Q1 FY26-27
expense ratio34.4 %37.4 %Q1 FY26-27
personal accident segment premium(size)2475 ₹ lakh4253 ₹ lakhQ1 FY26-27
liability combined ratio121.0 %358.1 %Q1 FY26-27
personal accident combined ratio109.9 %41.6 %Q1 FY26-27
investment income ratio1.8 %1.7 %Q1 FY26-27
Brokers policies(size)848698 count313126 countQ1 FY26-27
available solvency margin(size)353288 ₹ lakh271557 ₹ lakhQ1 FY26-27
gross yield (annualized)7.23 %7.27 %Q4 FY25-26
net yield (annualized)5.41 %5.44 %Q4 FY25-26
other approved securities(size)1501 INR_lakhs5503 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 %3.53 %FY24-25
claim settlement ratio82.0 %71.8 %FY24-25
net earning ratio2.5 %12.3 %Q2 FY24-25 / Q1 FY26-27
liquid assets to liabilities ratio0.3 %4.2 %Q2 FY24-25 / Q1 FY26-27
return on net worth3.3 %4.4 %Q2 FY24-25 / Q1 FY26-27
earnings per share(size)5.79 ₹5.06 ₹Q3 FY23-24 / Q1 FY26-27
book value per share(size)140.31 ₹114.19 ₹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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Shriram General Insurance
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