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Kshema General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceZuno General InsurancePeriod
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count4637 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh91 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh431 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs52190 INR_lakhsQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
other segment premium(size)0 ₹ lakh2472 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-0.2 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count3 countQ1 FY26-27
MISP (Direct) policies(size)0 count1970 countQ1 FY26-27
Individual Agents policies(size)0 count2652 countQ1 FY26-27
engineering incurred claims ratio156.8 %471.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh-2 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh12044 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %-38.0 %Q1 FY26-27
mutual funds(size)2147 INR_lakhs7230 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh1065 ₹ lakhQ1 FY26-27
equity & preference shares(size)1074 INR_lakhs4406 INR_lakhsQ1 FY26-27
fire incurred claims ratio97.4 %-46.0 %Q1 FY26-27
operating profit ratio-514.4 %-3.0 %Q1 FY26-27
incurred claims ratio298.8 %81.0 %Q1 FY26-27
technical reserves to premium ratio(size)611.9 %6.3 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh11217 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh10171 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh121 ₹ lakhQ1 FY26-27
govt + approved securities(size)34.6 %31.0 %Q1 FY26-27
government securities(size)10124 INR_lakhs41239 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Web Aggregators policies(size)0 count26 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh40 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh34463 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %26.0 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh339 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %80.0 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh104 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs20794 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %31.0 %Q1 FY26-27
combined ratio500.5 %115.0 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
central govt. securities(size)29.3 %23.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×98.00 ×Q1 FY26-27
motor od combined ratio310.9 %133.0 %Q1 FY26-27
Brokers policies(size)9303 count221205 countQ1 FY26-27
personal accident incurred claims ratio31.0 %96.0 %Q1 FY26-27
net retention ratio(size)84.0 %57.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count9545 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count416 countQ1 FY26-27
engineering combined ratio811.8 %-308.0 %Q1 FY26-27
net worth growth rate(size)0.0 %13.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs35131 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-2.0 %Q1 FY26-27
health incurred claims ratio94.0 %99.0 %Q1 FY26-27
net commission ratio(size)18.9 %10.0 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1 ₹ lakhQ1 FY26-27
fire segment premium(size)20 ₹ lakh1482 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)586 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)29728 count0 countQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
liability incurred claims ratio80.9 %55.0 %Q1 FY26-27
health combined ratio266.9 %126.0 %Q1 FY26-27
liability combined ratio253.8 %77.0 %Q1 FY26-27
investment income ratio6.0 %2.1 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh2 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore402 ₹ croreQ1 FY26-27
solvency ratio1.53 ×1.64 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh2430 ₹ lakhQ1 FY26-27
expense ratio201.7 %34.0 %Q1 FY26-27
personal accident combined ratio406.4 %124.0 %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 %57.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %62.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-4 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh64 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh3306 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-4 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %53.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %89.0 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %2.05 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %2.05 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %70.9 %Q1 FY25-26 / Q1 FY26-27
net yield (annualized)0.07 %8.42 %FY24-25 / FY25-26
gross yield (annualized)0.07 %8.42 %FY24-25 / FY25-26
claims repudiation ratio52.74 %7.59 %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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Zuno General Insurance
All IRDAI metrics →

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