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Kshema General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceUniversal Sompo General InsurancePeriod
Corporate Agents – Others policies(size)0 count22034 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh867 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs197661 INR_lakhsQ1 FY26-27
crop incurred claims ratio340.2 %83.5 %Q1 FY26-27
underwriting balance ratio-632.0 %-8.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count129053 countQ1 FY26-27
Individual Agents policies(size)0 count46866 countQ1 FY26-27
engineering incurred claims ratio156.8 %26.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh11348 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh34439 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %-286.4 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs207 INR_lakhsQ1 FY26-27 / Q2 FY25-26
Point of Sales Person (Direct) premium(size)0 ₹ lakh20072 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs42415 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %-241.8 %Q1 FY26-27
operating profit ratio-514.4 %4.6 %Q1 FY26-27
incurred claims ratio298.8 %80.3 %Q1 FY26-27
technical reserves to premium ratio(size)611.9 %4.2 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh44195 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh61853 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh664 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹50.20 ₹Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)34.6 %37.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs263751 INR_lakhsQ1 FY26-27
Web Aggregators policies(size)0 count760 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh478 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh108870 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %29.0 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh7540 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %102.0 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh2242 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs21552 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %28.7 %Q1 FY26-27
combined ratio500.5 %104.3 %Q1 FY26-27
crop combined ratio554.2 %148.0 %Q1 FY26-27
central govt. securities(size)29.3 %25.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×93.00 ×Q1 FY26-27
motor od combined ratio310.9 %149.2 %Q1 FY26-27
Brokers policies(size)9303 count853611 countQ1 FY26-27
personal accident incurred claims ratio31.0 %74.3 %Q1 FY26-27
net retention ratio(size)84.0 %52.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count146450 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count4758 countQ1 FY26-27
engineering combined ratio811.8 %73.3 %Q1 FY26-27
net worth growth rate(size)0.0 %12.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs167084 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %5.8 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio94.0 %71.0 %Q1 FY26-27
net commission ratio(size)18.9 %10.4 %Q1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh87 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹1.52 ₹Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)20 ₹ lakh9563 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh634 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh7138 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count22916 countQ1 FY26-27
liability incurred claims ratio80.9 %-2.9 %Q1 FY26-27
health combined ratio266.9 %87.1 %Q1 FY26-27
liability combined ratio253.8 %26.4 %Q1 FY26-27
investment income ratio6.0 %1.8 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh919 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore5078 ₹ croreQ1 FY26-27 / FY25-03
solvency ratio1.53 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
personal accident segment premium(size)6 ₹ lakh6636 ₹ lakhQ1 FY26-27
expense ratio201.7 %24.0 %Q1 FY26-27
personal accident combined ratio406.4 %89.3 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %20.1 %Q1 FY26-27
gross direct premium growth rate(size)-96.8 %33.5 %Q1 FY26-27
profit after tax(size)-65 ₹ crore41 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh2057 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh507 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh2597 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore55 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %65.8 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %77.5 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %5.36 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %7.16 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %91.3 %Q1 FY25-26 / FY24-25
debt to equity ratio0.00 ×0.14 ×Q4 FY24-25 / Q4 FY25-26
net yield (annualized)0.07 %6.00 %FY24-25 / Q4 FY25-26
gross yield (annualized)0.07 %8.00 %FY24-25 / Q4 FY25-26
claims repudiation ratio52.74 %1.76 %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 →
Universal Sompo General Insurance
All IRDAI metrics →

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