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Kshema General Insurance vs Oriental Insurance Company: IRDAI Data Comparison

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

MetricKshema General InsuranceOriental Insurance CompanyPeriod
Micro Agents premium(size)0 ₹ lakh4 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count18408 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh2838 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh2015 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs508049 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %179.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
other segment premium(size)0 ₹ lakh12943 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-19.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count53956 countQ1 FY26-27
MISP (Direct) policies(size)0 count82951 countQ1 FY26-27
Individual Agents policies(size)0 count743681 countQ1 FY26-27
engineering incurred claims ratio156.8 %56.8 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh3844 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh5572 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh220179 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %145.6 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs31097 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh9562 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs729157 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %95.6 %Q1 FY26-27
operating profit ratio-514.4 %-760.0 %Q1 FY26-27
incurred claims ratio298.8 %10011.0 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh-998362 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %6.9 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh28024 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh61082 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh11513 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹1.10 ₹Q1 FY26-27 / Q1 FY22-23
govt + approved securities(size)34.6 %56.5 %Q1 FY26-27
government securities(size)10124 INR_lakhs1142392 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27 / Q4 FY25-26
Web Aggregators policies(size)0 count153 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh389890 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %17.3 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh114281 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %116.5 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh11763 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs68227 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %15.5 %Q1 FY26-27
combined ratio500.5 %11916.0 %Q1 FY26-27
crop combined ratio554.2 %233.8 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
central govt. securities(size)29.3 %24.1 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×-78.00 ×Q1 FY26-27
motor od combined ratio310.9 %141.4 %Q1 FY26-27
Brokers policies(size)9303 count572387 countQ1 FY26-27
personal accident incurred claims ratio31.0 %72.5 %Q1 FY26-27
net retention ratio(size)84.0 %6974.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count126089 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count90 countQ1 FY26-27
engineering combined ratio811.8 %74.9 %Q1 FY26-27
net worth growth rate(size)0.0 %11532.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs113014 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-767.0 %Q1 FY26-27
health incurred claims ratio94.0 %95.5 %Q1 FY26-27
net commission ratio(size)18.9 %766.0 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1417 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹-0.20 ₹Q1 FY26-27 / Q1 FY22-23
fire segment premium(size)20 ₹ lakh44889 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh8707 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count0 countQ1 FY26-27
Micro Agents policies(size)0 count45 countQ1 FY26-27
liability incurred claims ratio80.9 %19.7 %Q1 FY26-27
health combined ratio266.9 %109.6 %Q1 FY26-27
liability combined ratio253.8 %41.6 %Q1 FY26-27
investment income ratio6.0 %0.0 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh15 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore11858 ₹ croreQ1 FY26-27
required solvency margin(size)11309 ₹ lakh587764 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×-1.70 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh220939 ₹ lakhQ1 FY26-27
expense ratio201.7 %19.1 %Q1 FY26-27
personal accident combined ratio406.4 %88.2 %Q1 FY26-27
gross npa ratio0.00 %1.50 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %13.6 %Q1 FY26-27
gross npa (amount)0 INR_lakhs30410 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %484.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-340 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh34 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh918 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh1425 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-340 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %168.5 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %198.5 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %5.82 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %8.94 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %85.5 %Q1 FY25-26 / FY24-25
debt to equity ratio0.00 ×1.48 ×Q4 FY24-25 / Q1 FY22-23
claims repudiation ratio52.74 %0.34 %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 →
Oriental Insurance Company
All IRDAI metrics →

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