IFFCO Tokio General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | IFFCO Tokio General Insurance | Universal Sompo General Insurance | Period |
|---|---|---|---|
| net commission ratio(size) | 17.6 % | 10.4 % | Q1 FY26-27 |
| engineering incurred claims ratio | 39.5 % | 26.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 1666 ₹ lakh | 2597 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 21.0 % | 29.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 13828 ₹ lakh | 2242 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 51.0 % | 37.0 % | Q1 FY26-27 |
| solvency ratio | 1.97 × | 1.97 × | Q1 FY26-27 / Q4 FY24-25 |
| motor tp combined ratio | 121.6 % | 77.5 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 361 ₹ lakh | 634 ₹ lakh | Q1 FY26-27 |
| liability incurred claims ratio | 86.6 % | -2.9 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 51.00 × | 93.00 × | Q1 FY26-27 |
| profit before tax(size) | 21 ₹ crore | 55 ₹ crore | Q1 FY26-27 |
| marine hull combined ratio | -183.9 % | -881.7 % | Q1 FY26-27 |
| debentures & bonds(size) | 318167 INR_lakhs | 167084 INR_lakhs | Q1 FY26-27 |
| motor TP segment premium(size) | 58853 ₹ lakh | 61853 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 74.5 % | -286.4 % | Q1 FY26-27 |
| central govt. securities(size) | 30.0 % | 25.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 82.3 % | 74.3 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 1633 ₹ lakh | 11348 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | -1 count | 760 count | Q1 FY26-27 |
| crop insurance segment premium(size) | 71 ₹ lakh | 2057 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 15610 count | 22916 count | Q1 FY26-27 |
| Individual Agents policies(size) | 403281 count | 46866 count | Q1 FY26-27 |
| motor od incurred claims ratio | 71.7 % | 102.0 % | Q1 FY26-27 |
| travel combined ratio | 260.6 % | 169.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 84.7 % | 68.5 % | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 22.2 % | Q1 FY26-27 |
| gross yield (quarterly) | 1.77 % | 7.16 % | Q1 FY26-27 |
| health segment premium(size) | 25599 ₹ lakh | 34439 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 466 INR_lakhs | 42415 INR_lakhs | Q1 FY26-27 |
| crop combined ratio | 2074.4 % | 148.0 % | Q1 FY26-27 |
| mutual funds(size) | 20724 INR_lakhs | 207 INR_lakhs | Q1 FY26-27 / Q2 FY25-26 |
| Insurance Marketing Firm premium(size) | 352 ₹ lakh | 507 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 59663 ₹ lakh | 44195 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 86.8 % | 80.3 % | Q1 FY26-27 |
| liability segment premium(size) | 2326 ₹ lakh | 867 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 121.6 % | 87.1 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 98.5 % | 65.8 % | Q1 FY26-27 |
| Brokers premium(size) | 128946 ₹ lakh | 108870 ₹ lakh | Q1 FY26-27 |
| motor od combined ratio | 130.3 % | 149.2 % | Q1 FY26-27 |
| operating profit ratio | -2.6 % | 4.6 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.2 % | 28.7 % | Q1 FY26-27 |
| fire incurred claims ratio | 82.5 % | -241.8 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 6.9 % | 20.1 % | Q1 FY26-27 |
| combined ratio | 121.2 % | 104.3 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 17618 ₹ lakh | 20072 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 2230 ₹ crore | 5078 ₹ crore | Q1 FY26-27 / FY25-03 |
| aviation combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 3.0 % | 12.0 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 2593 count | 4758 count | Q1 FY26-27 |
| marine cargo incurred claims ratio | 87.1 % | 113.6 % | Q1 FY26-27 |
| Individual Agents premium(size) | 42681 ₹ lakh | 7540 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 176186 INR_lakhs | 21552 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 66514 count | 129053 count | Q1 FY26-27 |
| underwriting balance ratio | -20.7 % | -8.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 0 ₹ lakh | 919 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 555 ₹ lakh | 7138 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 188926 count | 146450 count | Q1 FY26-27 |
| net yield (quarterly) | 1.32 % | 5.36 % | Q1 FY26-27 |
| fire segment premium(size) | 28287 ₹ lakh | 9563 ₹ lakh | Q1 FY26-27 |
| aviation incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 10.2 % | 33.5 % | Q1 FY26-27 |
| engineering segment premium(size) | 10440 ₹ lakh | 664 ₹ lakh | Q1 FY26-27 |
| crop incurred claims ratio | 102.1 % | 83.5 % | Q1 FY26-27 |
| travel incurred claims ratio | 204.4 % | 5.5 % | Q1 FY26-27 |
| marine cargo combined ratio | 111.4 % | 143.2 % | Q1 FY26-27 |
| health incurred claims ratio | 97.5 % | 71.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 397223 INR_lakhs | 197661 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 36040 count | 22034 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 2001 ₹ lakh | 87 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 16 ₹ crore | 41 ₹ crore | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.1 % | 4.2 % | Q1 FY26-27 |
| travel segment premium(size) | 61 ₹ lakh | 478 ₹ lakh | Q1 FY26-27 |
| net retention ratio(size) | 64.7 % | 52.1 % | Q1 FY26-27 |
| government securities(size) | 933317 INR_lakhs | 263751 INR_lakhs | Q1 FY26-27 |
| workmen's compensation combined ratio | 123.7 % | 96.4 % | Q1 FY26-27 |
| engineering combined ratio | 112.1 % | 73.3 % | Q1 FY26-27 |
| expense ratio | 34.4 % | 24.0 % | Q1 FY26-27 |
| personal accident segment premium(size) | 2475 ₹ lakh | 6636 ₹ lakh | Q1 FY26-27 |
| liability combined ratio | 121.0 % | 26.4 % | Q1 FY26-27 |
| personal accident combined ratio | 109.9 % | 89.3 % | Q1 FY26-27 |
| investment income ratio | 1.8 % | 1.8 % | Q1 FY26-27 |
| Brokers policies(size) | 848698 count | 853611 count | Q1 FY26-27 |
| gross yield (annualized) | 7.23 % | 8.00 % | Q4 FY25-26 |
| net yield (annualized) | 5.41 % | 6.00 % | Q4 FY25-26 |
| other approved securities(size) | 1501 INR_lakhs | 6634 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| claims repudiation ratio | 3.06 % | 1.76 % | FY24-25 |
| claim settlement ratio | 82.0 % | 91.3 % | FY24-25 |
| net earning ratio | 2.5 % | 5.8 % | Q2 FY24-25 / Q4 FY25-26 |
| debt to equity ratio | 0.00 × | 0.14 × | Q3 FY23-24 / Q4 FY25-26 |
| earnings per share(size) | 5.79 ₹ | 1.52 ₹ | Q3 FY23-24 / Q4 FY25-26 |
| book value per share(size) | 140.31 ₹ | 50.20 ₹ | Q3 FY23-24 / Q4 FY25-26 |
| other incurred claims ratio | 67.5 % | 74.0 % | Q3 FY22-23 / Q4 FY25-26 |
| other combined ratio | 104.1 % | 60.0 % | Q3 FY22-23 / Q4 FY25-26 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.