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Kshema General Insurance vs National Insurance Company: IRDAI Data Comparison

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

MetricKshema General InsuranceNational Insurance CompanyPeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count11710 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh7861 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh264 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs255830 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %47.9 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
other segment premium(size)0 ₹ lakh14971 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-36.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count4516 countQ1 FY26-27
MISP (Direct) policies(size)0 count1896 countQ1 FY26-27
Individual Agents policies(size)0 count1329274 countQ1 FY26-27
engineering incurred claims ratio156.8 %48.6 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh2043 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh1179 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh149925 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %117.0 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs117077 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh11084 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs1314528 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %77.0 %Q1 FY26-27
operating profit ratio-514.4 %-12.8 %Q1 FY26-27
incurred claims ratio298.8 %98.9 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh-557749 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %913.0 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh43901 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh91131 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh13903 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹-4.87 ₹Q1 FY26-27
govt + approved securities(size)34.6 %41.7 %Q1 FY26-27
government securities(size)10124 INR_lakhs1219327 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Web Aggregators policies(size)0 count15 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh172211 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %16.8 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh149079 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %103.3 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh5029 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs60405 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %31.8 %Q1 FY26-27
combined ratio500.5 %134.4 %Q1 FY26-27
crop combined ratio554.2 %76.4 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %21.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×-92.00 ×Q1 FY26-27
motor od combined ratio310.9 %141.0 %Q1 FY26-27
Brokers policies(size)9303 count1425107 countQ1 FY26-27
personal accident incurred claims ratio31.0 %60.1 %Q1 FY26-27
net retention ratio(size)84.0 %85.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count156008 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count825 countQ1 FY26-27
engineering combined ratio811.8 %89.1 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs422924 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-13.5 %Q1 FY26-27
health incurred claims ratio94.0 %105.3 %Q1 FY26-27
net commission ratio(size)18.9 %10.7 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1526 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹-0.53 ₹Q1 FY26-27
fire segment premium(size)20 ₹ lakh47154 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh3347 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count0 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %7.3 %Q1 FY26-27
health combined ratio266.9 %137.6 %Q1 FY26-27
liability combined ratio253.8 %50.7 %Q1 FY26-27
investment income ratio6.0 %9.8 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore16833 ₹ croreQ1 FY26-27 / FY25-03
required solvency margin(size)11309 ₹ lakh456132 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×-1.22 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh39683 ₹ lakhQ1 FY26-27
expense ratio201.7 %35.4 %Q1 FY26-27
personal accident combined ratio406.4 %86.1 %Q1 FY26-27
gross npa ratio0.00 %0.75 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs21708 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %7.8 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-496 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh1217 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh231 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh943 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-496 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %124.7 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %165.4 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %7.06 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %10.69 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %52.7 %Q1 FY25-26 / Q1 FY26-27
debt to equity ratio0.00 ×-0.20 ×Q4 FY24-25 / Q1 FY26-27
net yield (annualized)0.07 %7.91 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %11.98 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %4.68 %FY24-25

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

Individual profiles

Kshema General Insurance
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National Insurance Company
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