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Kshema General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceTata AIG General InsurancePeriod
Corporate Agents – Others policies(size)0 count716768 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh33611 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh9417 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs755625 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %128.0 %Q1 FY26-27
other segment premium(size)0 ₹ lakh20479 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-0.2 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count239087 countQ1 FY26-27
MISP (Direct) policies(size)0 count208206 countQ1 FY26-27
Individual Agents policies(size)0 count692010 countQ1 FY26-27
engineering incurred claims ratio156.8 %173.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh9368 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh26151 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh184202 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %79.0 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs214987 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh43612 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs679771 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %60.0 %Q1 FY26-27
operating profit ratio-514.4 %4.0 %Q1 FY26-27
incurred claims ratio298.8 %74.0 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh651816 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %6.0 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh123579 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh131029 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh15485 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹67.70 ₹Q1 FY26-27
govt + approved securities(size)34.6 %40.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs1535427 INR_lakhsQ1 FY26-27
Web Aggregators policies(size)0 count451 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh15212 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh350032 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %16.0 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh117253 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %89.0 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh25413 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs238487 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %32.0 %Q1 FY26-27
combined ratio500.5 %111.0 %Q1 FY26-27
crop combined ratio554.2 %-570.0 %Q1 FY26-27
central govt. securities(size)29.3 %22.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×97.00 ×Q1 FY26-27
motor od combined ratio310.9 %138.0 %Q1 FY26-27
Brokers policies(size)9303 count1680361 countQ1 FY26-27
personal accident incurred claims ratio31.0 %60.0 %Q1 FY26-27
net retention ratio(size)84.0 %59.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count531281 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count33859 countQ1 FY26-27
engineering combined ratio811.8 %171.0 %Q1 FY26-27
net worth growth rate(size)0.0 %3.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs709686 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %5.0 %Q1 FY26-27
health incurred claims ratio94.0 %82.0 %Q1 FY26-27
net commission ratio(size)18.9 %20.0 %Q1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh2435 ₹ lakhQ1 FY26-27
fire segment premium(size)20 ₹ lakh76072 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh588 ₹ lakhQ1 FY26-27
liability incurred claims ratio80.9 %113.0 %Q1 FY26-27
health combined ratio266.9 %101.0 %Q1 FY26-27
liability combined ratio253.8 %68.0 %Q1 FY26-27
investment income ratio6.0 %2.0 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh78 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore17703 ₹ croreQ1 FY26-27 / FY25-03
required solvency margin(size)11309 ₹ lakh353769 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×1.84 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh6838 ₹ lakhQ1 FY26-27
expense ratio201.7 %37.0 %Q1 FY26-27
personal accident combined ratio406.4 %83.0 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %5.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %34.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore195 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh5 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh3905 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh29694 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore261 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %59.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %115.0 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %1.63 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %2.18 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %80.2 %Q1 FY25-26 / FY24-25
debt to equity ratio0.00 ×0.08 ×Q4 FY24-25 / Q1 FY26-27
net yield (annualized)0.07 %5.81 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %7.80 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %2.80 %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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Tata AIG General Insurance
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