Liberty General Insurance vs Shriram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Liberty General Insurance | Shriram General Insurance | Period |
|---|---|---|---|
| infrastructure & housing(size) | 208064 INR_lakhs | 502514 INR_lakhs | Q1 FY26-27 |
| motor OD segment premium(size) | 25515 ₹ lakh | 29251 ₹ lakh | Q1 FY26-27 |
| liability incurred claims ratio | 21.0 % | 30.4 % | Q1 FY26-27 |
| motor TP segment premium(size) | 25023 ₹ lakh | 78711 ₹ lakh | Q1 FY26-27 |
| expense ratio | 40.0 % | 37.4 % | Q1 FY26-27 |
| Brokers premium(size) | 61880 ₹ lakh | 29449 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 7.29 % | 7.26 % | Q1 FY26-27 |
| personal accident combined ratio | 141.0 % | 41.6 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 678 ₹ lakh | 218 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 16474 ₹ lakh | 1266 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 78.0 % | 37.1 % | Q1 FY26-27 |
| profit before tax(size) | -24 ₹ crore | 174 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 2 ₹ lakh | 17 ₹ lakh | Q1 FY26-27 |
| motor od combined ratio | 135.0 % | 134.8 % | Q1 FY26-27 |
| health incurred claims ratio | 99.0 % | 94.5 % | Q1 FY26-27 |
| net yield (quarterly) | 7.29 % | 5.43 % | Q1 FY26-27 |
| fire segment premium(size) | 2088 ₹ lakh | 1969 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 0 ₹ lakh | 350 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 99.0 % | 98.7 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 135 ₹ lakh | 92 ₹ lakh | Q1 FY26-27 |
| other approved securities(size) | 32779 INR_lakhs | 5503 INR_lakhs | Q1 FY26-27 |
| investment income ratio | 7.3 % | 1.7 % | Q1 FY26-27 |
| engineering segment premium(size) | 1191 ₹ lakh | 850 ₹ lakh | Q1 FY26-27 |
| engineering combined ratio | 444.0 % | 233.1 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 1038 count | 1251 count | Q1 FY26-27 |
| operating profit ratio | -6.0 % | 17.2 % | Q1 FY26-27 |
| net retention ratio(size) | 91.0 % | 84.0 % | Q1 FY26-27 |
| aviation combined ratio | -4350.0 % | 0.0 % | Q1 FY26-27 |
| profit after tax(size) | -24 ₹ crore | 131 ₹ crore | Q1 FY26-27 |
| fire combined ratio | 97.0 % | 150.7 % | Q1 FY26-27 |
| health combined ratio | 122.0 % | 96.6 % | Q1 FY26-27 |
| debentures & bonds(size) | 165678 INR_lakhs | 319808 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 25.6 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 20294 count | 723601 count | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 49.00 × | 39.87 × | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 4 count | 13162 count | Q1 FY26-27 |
| net commission ratio(size) | 26.0 % | 25.6 % | Q1 FY26-27 |
| liability combined ratio | 49.0 % | 358.1 % | Q1 FY26-27 |
| travel segment premium(size) | 923 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 6.5 % | 1079.9 % | Q1 FY26-27 |
| personal accident segment premium(size) | 528 ₹ lakh | 4253 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 91.0 % | 100.3 % | Q1 FY26-27 |
| Individual Agents policies(size) | 37728 count | 58733 count | Q1 FY26-27 |
| government securities(size) | 174603 INR_lakhs | 458529 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 88.0 % | 45.9 % | Q1 FY26-27 |
| housing & infrastructure(size) | 35.0 % | 34.9 % | Q1 FY26-27 |
| combined ratio | 121.0 % | 104.7 % | Q1 FY26-27 |
| net worth growth rate(size) | 55.0 % | 7.3 % | Q1 FY26-27 |
| govt + approved securities(size) | 35.0 % | 30.3 % | Q1 FY26-27 |
| marine cargo combined ratio | 127.0 % | 208.4 % | Q1 FY26-27 |
| liability segment premium(size) | 1600 ₹ lakh | 145 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 54.0 % | 5.2 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 120.0 % | 15.8 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 4 count | 108 count | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 56.0 % | 58.6 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -6.1 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 796 ₹ lakh | 623 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 39.0 % | 33.7 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 162.0 % | 61.7 % | Q1 FY26-27 |
| engineering incurred claims ratio | 406.0 % | 148.8 % | Q1 FY26-27 |
| incurred claims ratio | 81.0 % | 68.7 % | Q1 FY26-27 |
| Brokers policies(size) | 614443 count | 313126 count | Q1 FY26-27 |
| motor od incurred claims ratio | 78.0 % | 98.4 % | Q1 FY26-27 |
| aviation incurred claims ratio | 50.0 % | 0.0 % | Q1 FY26-27 |
| Individual Agents premium(size) | 4384 ₹ lakh | 4860 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 20273 count | 30316 count | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 2000 ₹ lakh | 34718 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 23.0 % | 22.9 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 70385 count | 660339 count | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 122.0 % | 38.6 % | Q1 FY26-27 |
| other investments(size) | 500 INR_lakhs | 1078 INR_lakhs | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 297 ₹ lakh | 177 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 63.0 % | 58.7 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 6562 ₹ lakh | 46028 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 0 count | 631 count | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 7.42 % | 5.44 % | Q4 FY25-26 |
| Common Service Centres (CSC) premium(size) | 0 ₹ lakh | 11 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 7.42 % | 7.27 % | Q4 FY25-26 |
| equity & preference shares(size) | 500 INR_lakhs | 151575 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| solvency ratio | 1.75 × | 3.02 × | Q4 FY24-25 / Q1 FY26-27 |
| gross written premium(size) | 2246 ₹ crore | 1180 ₹ crore | FY25-03 / Q1 FY26-27 |
| claims repudiation ratio | 3.06 % | 3.53 % | FY24-25 |
| claim settlement ratio | 87.6 % | 71.8 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.