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Kshema General Insurance vs SBI General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceSBI General InsurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count19211 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh4029 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs682117 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %-21.7 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
underwriting balance ratio-632.0 %-10.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count624380 countQ1 FY26-27
MISP (Direct) policies(size)0 count0 countQ1 FY26-27
Individual Agents policies(size)0 count54927 countQ1 FY26-27
engineering incurred claims ratio156.8 %80.1 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
Corporate Agents – Banks premium(size)942 ₹ lakh85651 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh126312 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %276.7 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs55605 INR_lakhsQ1 FY26-27 / Q3 FY25-26
Point of Sales Person (Direct) premium(size)0 ₹ lakh10883 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs239219 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %75.2 %Q1 FY26-27
operating profit ratio-514.4 %5.5 %Q1 FY26-27
incurred claims ratio298.8 %79.2 %Q1 FY26-27
technical reserves to premium ratio(size)611.9 %6.7 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh56299 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh62025 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh9363 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹231.56 ₹Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)34.6 %37.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs924625 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Web Aggregators policies(size)0 count56 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh43 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh208297 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %27.2 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh10951 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %83.9 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh4005 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs90428 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %28.6 %Q1 FY26-27
combined ratio500.5 %111.5 %Q1 FY26-27
crop combined ratio554.2 %722.8 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %22.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×66.00 ×Q1 FY26-27
motor od combined ratio310.9 %149.6 %Q1 FY26-27
Brokers policies(size)9303 count1303324 countQ1 FY26-27
personal accident incurred claims ratio31.0 %42.9 %Q1 FY26-27
net retention ratio(size)84.0 %68.3 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count95763 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count1640 countQ1 FY26-27
engineering combined ratio811.8 %84.6 %Q1 FY26-27
net worth growth rate(size)0.0 %3.2 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs527301 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %0.9 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio94.0 %88.2 %Q1 FY26-27
net commission ratio(size)18.9 %15.6 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh314 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹1.36 ₹Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)20 ₹ lakh37470 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh828 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count32151 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %89.7 %Q1 FY26-27
health combined ratio266.9 %111.6 %Q1 FY26-27
liability combined ratio253.8 %112.2 %Q1 FY26-27
investment income ratio6.0 %2.2 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh9 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore13890 ₹ croreQ1 FY26-27 / FY25-03
solvency ratio1.53 ×2.00 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh44161 ₹ lakhQ1 FY26-27
expense ratio201.7 %32.3 %Q1 FY26-27
personal accident combined ratio406.4 %57.4 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %14.6 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %10.8 %Q1 FY26-27
profit after tax(size)-65 ₹ crore166 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh799 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh337 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh2765 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore222 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %88.2 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %146.8 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %1.52 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %2.03 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %77.7 %Q1 FY25-26 / Q4 FY25-26
debt to equity ratio0.00 ×0.14 ×Q4 FY24-25 / Q4 FY25-26
net yield (annualized)0.07 %6.02 %FY24-25 / FY25-26
gross yield (annualized)0.07 %8.04 %FY24-25 / FY25-26
claims repudiation ratio52.74 %1.40 %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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SBI General Insurance
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