Liberty General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Liberty General Insurance | Royal Sundaram General Insurance | Period |
|---|---|---|---|
| infrastructure & housing(size) | 208064 INR_lakhs | 156865 INR_lakhs | Q1 FY26-27 |
| motor OD segment premium(size) | 25515 ₹ lakh | 25303 ₹ lakh | Q1 FY26-27 |
| liability incurred claims ratio | 21.0 % | 25.8 % | Q1 FY26-27 |
| motor TP segment premium(size) | 25023 ₹ lakh | 40596 ₹ lakh | Q1 FY26-27 |
| expense ratio | 40.0 % | 30.3 % | Q1 FY26-27 |
| Brokers premium(size) | 61880 ₹ lakh | 92437 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 7.29 % | 2.46 % | Q1 FY26-27 |
| personal accident combined ratio | 141.0 % | 117.8 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 678 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 16474 ₹ lakh | 42686 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 78.0 % | 24.3 % | Q1 FY26-27 |
| profit before tax(size) | -24 ₹ crore | 37 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 2 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| motor od combined ratio | 135.0 % | 132.7 % | Q1 FY26-27 |
| health incurred claims ratio | 99.0 % | 100.2 % | Q1 FY26-27 |
| net yield (quarterly) | 7.29 % | 2.46 % | Q1 FY26-27 |
| fire segment premium(size) | 2088 ₹ lakh | 10449 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 0 ₹ lakh | 1366 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 99.0 % | 115.5 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 135 ₹ lakh | 313 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 7.3 % | 2.4 % | Q1 FY26-27 |
| engineering segment premium(size) | 1191 ₹ lakh | 2550 ₹ lakh | Q1 FY26-27 |
| engineering combined ratio | 444.0 % | 229.0 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 1038 count | 4219 count | Q1 FY26-27 |
| operating profit ratio | -6.0 % | 0.0 % | Q1 FY26-27 |
| net retention ratio(size) | 91.0 % | 81.0 % | Q1 FY26-27 |
| profit after tax(size) | -24 ₹ crore | 27 ₹ crore | Q1 FY26-27 |
| fire combined ratio | 97.0 % | 110.0 % | Q1 FY26-27 |
| health combined ratio | 122.0 % | 112.2 % | Q1 FY26-27 |
| debentures & bonds(size) | 165678 INR_lakhs | 329442 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 21.8 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 20294 count | 19250 count | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 49.00 × | 69.00 × | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 4 count | 8526 count | Q1 FY26-27 |
| net commission ratio(size) | 26.0 % | 19.3 % | Q1 FY26-27 |
| liability combined ratio | 49.0 % | 71.1 % | Q1 FY26-27 |
| travel segment premium(size) | 923 ₹ lakh | 41 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 6.5 % | 7.6 % | Q1 FY26-27 |
| personal accident segment premium(size) | 528 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 91.0 % | 85.4 % | Q1 FY26-27 |
| Individual Agents policies(size) | 37728 count | 50754 count | Q1 FY26-27 |
| government securities(size) | 174603 INR_lakhs | 316446 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 88.0 % | 72.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 35.0 % | 30.8 % | Q1 FY26-27 |
| combined ratio | 121.0 % | 116.3 % | Q1 FY26-27 |
| net worth growth rate(size) | 55.0 % | 2.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 35.0 % | 32.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 127.0 % | 125.3 % | Q1 FY26-27 |
| liability segment premium(size) | 1600 ₹ lakh | 550 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 54.0 % | 9.6 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 120.0 % | 70.5 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 4 count | 21 count | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| fire incurred claims ratio | 56.0 % | 65.2 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -21.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 796 ₹ lakh | 210 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| expense ratio to gross premium | 39.0 % | 28.7 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 162.0 % | 179.3 % | Q1 FY26-27 |
| engineering incurred claims ratio | 406.0 % | 147.4 % | Q1 FY26-27 |
| incurred claims ratio | 81.0 % | 86.0 % | Q1 FY26-27 |
| Brokers policies(size) | 614443 count | 290309 count | Q1 FY26-27 |
| motor od incurred claims ratio | 78.0 % | 84.2 % | Q1 FY26-27 |
| Individual Agents premium(size) | 4384 ₹ lakh | 8787 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 20273 count | 1660 count | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 2000 ₹ lakh | 6831 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 23.0 % | 10.8 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 70385 count | 61893 count | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 122.0 % | 136.0 % | Q1 FY26-27 |
| other investments(size) | 500 INR_lakhs | 104613 INR_lakhs | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 297 ₹ lakh | 456 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 63.0 % | 80.4 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 6562 ₹ lakh | 13477 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 0 count | 0 count | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 7.42 % | 8.49 % | Q4 FY25-26 |
| Common Service Centres (CSC) premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 7.42 % | 8.49 % | Q4 FY25-26 |
| equity & preference shares(size) | 500 INR_lakhs | 95946 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| solvency ratio | 1.75 × | 2.05 × | Q4 FY24-25 / Q1 FY26-27 |
| gross written premium(size) | 2246 ₹ crore | 3763 ₹ crore | FY25-03 |
| claims repudiation ratio | 3.06 % | 5.03 % | FY24-25 |
| claim settlement ratio | 87.6 % | 82.1 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.