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Kshema General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceUnited India InsurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count50625 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh8837 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh612 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs763969 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %63.6 %Q1 FY26-27 / Q4 FY25-26
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
underwriting balance ratio-632.0 %-34.6 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count34735 countQ1 FY26-27
MISP (Direct) policies(size)0 count4495 countQ1 FY26-27
Individual Agents policies(size)0 count2597447 countQ1 FY26-27
engineering incurred claims ratio156.8 %43.4 %Q1 FY26-27 / Q4 FY25-26
aviation segment premium(size)0 ₹ lakh542 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh980 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh206119 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %176.5 %Q1 FY26-27 / Q4 FY25-26
mutual funds(size)2147 INR_lakhs145809 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh5345 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs805380 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %107.6 %Q1 FY26-27 / Q4 FY25-26
operating profit ratio-514.4 %-17.3 %Q1 FY26-27
incurred claims ratio298.8 %103.6 %Q1 FY26-27
available solvency margin(size)17252 ₹ lakh-874629 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)611.9 %9.0 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh47468 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh187028 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh12861 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹-15.98 ₹Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)34.6 %49.1 %Q1 FY26-27
government securities(size)10124 INR_lakhs1624959 INR_lakhsQ1 FY26-27
Other policies(size)0 count131 countQ1 FY26-27 / Q4 FY25-26
Web Aggregators policies(size)0 count722317 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh116 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh226344 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %19.6 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh186927 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %98.5 %Q1 FY26-27 / Q4 FY25-26
marine cargo segment premium(size)0 ₹ lakh6765 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs73696 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %27.3 %Q1 FY26-27
combined ratio500.5 %139.1 %Q1 FY26-27
crop combined ratio554.2 %83.2 %Q1 FY26-27 / Q4 FY25-26
Other premium(size)0 ₹ lakh125587 ₹ lakhQ1 FY26-27 / Q4 FY25-26
central govt. securities(size)29.3 %23.1 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×-80.00 ×Q1 FY26-27
motor od combined ratio310.9 %143.8 %Q1 FY26-27 / Q4 FY25-26
Brokers policies(size)9303 count1143981 countQ1 FY26-27
personal accident incurred claims ratio31.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
net retention ratio(size)84.0 %71.9 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count87834 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count7461 countQ1 FY26-27
engineering combined ratio811.8 %97.9 %Q1 FY26-27 / Q4 FY25-26
net worth growth rate(size)0.0 %0.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs233920 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-15.3 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio94.0 %103.9 %Q1 FY26-27 / Q4 FY25-26
net commission ratio(size)18.9 %18.3 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1922 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹-12.39 ₹Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)20 ₹ lakh61685 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh5184 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count1 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %42.2 %Q1 FY26-27 / Q4 FY25-26
health combined ratio266.9 %132.0 %Q1 FY26-27 / Q4 FY25-26
liability combined ratio253.8 %96.5 %Q1 FY26-27 / Q4 FY25-26
investment income ratio6.0 %8.9 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh18079 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore20072 ₹ croreQ1 FY26-27 / FY25-03
required solvency margin(size)11309 ₹ lakh588214 ₹ lakhQ1 FY26-27
solvency ratio1.53 ×-1.49 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh7681 ₹ lakhQ1 FY26-27
expense ratio201.7 %35.5 %Q1 FY26-27
personal accident combined ratio406.4 %151.3 %Q1 FY26-27 / Q4 FY25-26
gross npa ratio0.00 %1.01 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs33495 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %-27.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-809 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh600 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh1598 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-809 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %105.4 %Q4 FY25-26
motor tp combined ratio164.8 %157.7 %Q4 FY25-26
net yield (quarterly)0.06 %5.92 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %8.97 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %84.9 %Q1 FY25-26 / FY24-25
net yield (annualized)0.07 %6.83 %FY24-25 / FY25-26
gross yield (annualized)0.07 %10.35 %FY24-25 / FY25-26
claims repudiation ratio52.74 %3.96 %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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United India Insurance
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