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Kshema General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceRoyal Sundaram General InsurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count19250 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh550 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh210 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs156865 INR_lakhsQ1 FY26-27
underwriting balance ratio-632.0 %-21.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count8526 countQ1 FY26-27
MISP (Direct) policies(size)0 count1660 countQ1 FY26-27
Individual Agents policies(size)0 count50754 countQ1 FY26-27
engineering incurred claims ratio156.8 %147.4 %Q1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh1366 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh42686 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %110.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh13477 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs95946 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %65.2 %Q1 FY26-27
operating profit ratio-514.4 %0.0 %Q1 FY26-27
incurred claims ratio298.8 %86.0 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh184006 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %7.6 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh25303 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh40596 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh2550 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)34.6 %32.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs316446 INR_lakhsQ1 FY26-27
Other policies(size)0 count4951 countQ1 FY26-27
Web Aggregators policies(size)0 count21 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh41 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh92437 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %30.8 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh8787 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %84.2 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh2622 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs104613 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %28.7 %Q1 FY26-27
combined ratio500.5 %116.3 %Q1 FY26-27
Other premium(size)0 ₹ lakh4055 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %21.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×69.00 ×Q1 FY26-27
motor od combined ratio310.9 %132.7 %Q1 FY26-27
Brokers policies(size)9303 count290309 countQ1 FY26-27
personal accident incurred claims ratio31.0 %70.5 %Q1 FY26-27
net retention ratio(size)84.0 %81.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count61893 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count4219 countQ1 FY26-27
engineering combined ratio811.8 %229.0 %Q1 FY26-27
net worth growth rate(size)0.0 %2.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs329442 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %2.5 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio94.0 %100.2 %Q1 FY26-27
net commission ratio(size)18.9 %19.3 %Q1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh456 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹0.59 ₹Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)20 ₹ lakh10449 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
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 %25.8 %Q1 FY26-27
health combined ratio266.9 %112.2 %Q1 FY26-27
liability combined ratio253.8 %71.1 %Q1 FY26-27
investment income ratio6.0 %2.4 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore3763 ₹ croreQ1 FY26-27 / FY25-03
required solvency margin(size)11309 ₹ lakh89975 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×2.05 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh2622 ₹ lakhQ1 FY26-27
expense ratio201.7 %30.3 %Q1 FY26-27
personal accident combined ratio406.4 %117.8 %Q1 FY26-27
gross npa ratio0.00 %0.06 %Q1 FY26-27
npa provision coverage0.0 %84.8 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %9.6 %Q1 FY26-27
gross npa (amount)0 INR_lakhs571 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %10.8 %Q1 FY26-27
profit after tax(size)-65 ₹ crore27 ₹ croreQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh313 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh6831 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore37 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %80.4 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %115.5 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %2.46 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %2.46 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %82.1 %Q1 FY25-26 / FY24-25
debt to equity ratio0.00 ×0.07 ×Q4 FY24-25 / Q4 FY25-26
net yield (annualized)0.07 %8.49 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %8.49 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %5.03 %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 →
Royal Sundaram General Insurance
All IRDAI metrics →

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