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Kshema General Insurance vs New India Assurance: IRDAI Data Comparison

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

MetricKshema General InsuranceNew India AssurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count32892 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh7176 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh94638 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs1593081 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %8152.5 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
other segment premium(size)0 ₹ lakh74467 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-0.2 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count102238 countQ1 FY26-27
MISP (Direct) policies(size)0 count1668014 countQ1 FY26-27
Individual Agents policies(size)0 count4531576 countQ1 FY26-27
engineering incurred claims ratio156.8 %98.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh13506 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh6709 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh661654 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %48.9 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs130140 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh2703 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs2673706 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %31.7 %Q1 FY26-27
operating profit ratio-514.4 %-8.3 %Q1 FY26-27
incurred claims ratio298.8 %103.4 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh2149470 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %5.3 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh143180 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh155831 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh33615 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹141.95 ₹Q1 FY26-27
govt + approved securities(size)34.6 %47.9 %Q1 FY26-27
government securities(size)10124 INR_lakhs3483904 INR_lakhsQ1 FY26-27
Other policies(size)0 count26124 countQ1 FY26-27
Web Aggregators policies(size)0 count8 countQ1 FY26-27
Brokers premium(size)1853 ₹ lakh489456 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %23.6 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh261231 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %119.1 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh28454 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs75637 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %16.8 %Q1 FY26-27
combined ratio500.5 %121.4 %Q1 FY26-27
crop combined ratio554.2 %8158.4 %Q1 FY26-27
Other premium(size)0 ₹ lakh2882 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %26.6 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×0.57 ×Q1 FY26-27
motor od combined ratio310.9 %141.1 %Q1 FY26-27
Brokers policies(size)9303 count742805 countQ1 FY26-27
personal accident incurred claims ratio31.0 %127.3 %Q1 FY26-27
net retention ratio(size)84.0 %81.8 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count79740 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count8829 countQ1 FY26-27
engineering combined ratio811.8 %109.6 %Q1 FY26-27
net worth growth rate(size)0.0 %5.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs111686 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-2.3 %Q1 FY26-27
health incurred claims ratio94.0 %107.7 %Q1 FY26-27
net commission ratio(size)18.9 %8.4 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh6132 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹-1.56 ₹Q1 FY26-27
fire segment premium(size)20 ₹ lakh173566 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh34 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh15558 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count3037 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %10.2 %Q1 FY26-27
health combined ratio266.9 %128.1 %Q1 FY26-27
liability combined ratio253.8 %31.0 %Q1 FY26-27
investment income ratio6.0 %2.1 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore12464 ₹ croreQ1 FY26-27
required solvency margin(size)11309 ₹ lakh1193232 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×1.80 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh20196 ₹ lakhQ1 FY26-27
expense ratio201.7 %18.1 %Q1 FY26-27
personal accident combined ratio406.4 %134.6 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs14604 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %2.8 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-257 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh1627 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh3499 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-191 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %122.2 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %132.4 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %7.07 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %10.87 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %95.3 %Q1 FY25-26 / FY24-25
net yield (annualized)0.07 %10.00 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %15.37 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %1.51 %FY24-25

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

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Kshema General Insurance
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New India Assurance
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