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Kshema General Insurance vs Liberty General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceLiberty General InsurancePeriod
Corporate Agents – Others policies(size)0 count20294 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh1600 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh796 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs208064 INR_lakhsQ1 FY26-27
underwriting balance ratio-632.0 %-15.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count4 countQ1 FY26-27
MISP (Direct) policies(size)0 count20273 countQ1 FY26-27
Individual Agents policies(size)0 count37728 countQ1 FY26-27
engineering incurred claims ratio156.8 %406.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh16474 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %97.0 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs4843 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh6562 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs500 INR_lakhsQ1 FY26-27 / Q3 FY25-26
fire incurred claims ratio97.4 %56.0 %Q1 FY26-27
operating profit ratio-514.4 %-6.0 %Q1 FY26-27
incurred claims ratio298.8 %81.0 %Q1 FY26-27
technical reserves to premium ratio(size)611.9 %6.5 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh25515 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh25023 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh1191 ₹ lakhQ1 FY26-27
govt + approved securities(size)34.6 %35.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs174603 INR_lakhsQ1 FY26-27
Web Aggregators policies(size)0 count4 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh923 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh61880 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %35.0 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh4384 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %78.0 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh678 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs500 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %39.0 %Q1 FY26-27
combined ratio500.5 %121.0 %Q1 FY26-27
central govt. securities(size)29.3 %22.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×49.00 ×Q1 FY26-27
motor od combined ratio310.9 %135.0 %Q1 FY26-27
Brokers policies(size)9303 count614443 countQ1 FY26-27
personal accident incurred claims ratio31.0 %120.0 %Q1 FY26-27
net retention ratio(size)84.0 %91.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count70385 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count1038 countQ1 FY26-27
engineering combined ratio811.8 %444.0 %Q1 FY26-27
net worth growth rate(size)0.0 %55.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs165678 INR_lakhsQ1 FY26-27
health incurred claims ratio94.0 %99.0 %Q1 FY26-27
net commission ratio(size)18.9 %26.0 %Q1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh297 ₹ lakhQ1 FY26-27
fire segment premium(size)20 ₹ lakh2088 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) policies(size)29728 count0 countQ1 FY26-27 / Q4 FY25-26
liability incurred claims ratio80.9 %21.0 %Q1 FY26-27
health combined ratio266.9 %122.0 %Q1 FY26-27
liability combined ratio253.8 %49.0 %Q1 FY26-27
investment income ratio6.0 %7.3 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh2 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore2246 ₹ croreQ1 FY26-27 / FY25-03
solvency ratio1.53 ×1.75 ×Q1 FY26-27 / Q4 FY24-25
personal accident segment premium(size)6 ₹ lakh528 ₹ lakhQ1 FY26-27
expense ratio201.7 %40.0 %Q1 FY26-27
personal accident combined ratio406.4 %141.0 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %54.0 %Q1 FY26-27
gross direct premium growth rate(size)-96.8 %23.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-24 ₹ croreQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh135 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh2000 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-24 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %63.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %99.0 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %7.29 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %7.29 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %87.6 %Q1 FY25-26 / FY24-25
net yield (annualized)0.07 %7.42 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %7.42 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %3.06 %FY24-25

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

Individual profiles

Kshema General Insurance
All IRDAI metrics →
Liberty General Insurance
All IRDAI metrics →

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