Factuary

Kshema General Insurance vs Shriram General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceShriram General InsurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count723601 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh145 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh623 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs502514 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %0.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
other segment premium(size)0 ₹ lakh1141 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-6.1 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count13162 countQ1 FY26-27
MISP (Direct) policies(size)0 count30316 countQ1 FY26-27
Individual Agents policies(size)0 count58733 countQ1 FY26-27
engineering incurred claims ratio156.8 %148.8 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh350 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh1266 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %150.7 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh46028 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs151575 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %58.6 %Q1 FY26-27
operating profit ratio-514.4 %17.2 %Q1 FY26-27
incurred claims ratio298.8 %68.7 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh271557 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %1079.9 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh29251 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh78711 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh850 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹114.19 ₹Q1 FY26-27
govt + approved securities(size)34.6 %30.3 %Q1 FY26-27
government securities(size)10124 INR_lakhs458529 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Web Aggregators policies(size)0 count108 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh29449 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %34.9 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh4860 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %98.4 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh218 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs1078 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %33.7 %Q1 FY26-27
combined ratio500.5 %104.7 %Q1 FY26-27
crop combined ratio554.2 %0.0 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %25.6 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×39.87 ×Q1 FY26-27
motor od combined ratio310.9 %134.8 %Q1 FY26-27
Brokers policies(size)9303 count313126 countQ1 FY26-27
personal accident incurred claims ratio31.0 %15.8 %Q1 FY26-27
net retention ratio(size)84.0 %84.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count660339 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count1251 countQ1 FY26-27
engineering combined ratio811.8 %233.1 %Q1 FY26-27
net worth growth rate(size)0.0 %7.3 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs319808 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %12.3 %Q1 FY26-27
health incurred claims ratio94.0 %94.5 %Q1 FY26-27
net commission ratio(size)18.9 %25.6 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh177 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹5.06 ₹Q1 FY26-27
fire segment premium(size)20 ₹ lakh1969 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh11 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count631 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %30.4 %Q1 FY26-27
health combined ratio266.9 %96.6 %Q1 FY26-27
liability combined ratio253.8 %358.1 %Q1 FY26-27
investment income ratio6.0 %1.7 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh17 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore1180 ₹ croreQ1 FY26-27
required solvency margin(size)11309 ₹ lakh89841 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×3.02 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh4253 ₹ lakhQ1 FY26-27
expense ratio201.7 %37.4 %Q1 FY26-27
personal accident combined ratio406.4 %41.6 %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 %5.2 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %22.9 %Q1 FY26-27
profit after tax(size)-65 ₹ crore131 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh92 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh34718 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore174 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %58.7 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %98.7 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %5.43 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %7.26 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %71.8 %Q1 FY25-26 / FY24-25
net yield (annualized)0.07 %5.44 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %7.27 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %3.53 %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 →
Shriram General Insurance
All IRDAI metrics →

How to read IRDAI comparison data ·Back to all comparisons