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National Insurance Company vs Oriental Insurance Company: IRDAI Data Comparison

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

MetricNational Insurance CompanyOriental Insurance CompanyPeriod
mutual funds(size)117077 INR_lakhs31097 INR_lakhsQ1 FY26-27
earnings per share(size)-0.53 ₹-0.20 ₹Q1 FY26-27 / Q1 FY22-23
other segment premium(size)14971 ₹ lakh12943 ₹ lakhQ1 FY26-27
Individual Agents premium(size)149079 ₹ lakh114281 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh5572 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %116.5 %Q1 FY26-27
fire incurred claims ratio77.0 %95.6 %Q1 FY26-27
govt + approved securities(size)41.7 %56.5 %Q1 FY26-27
Web Aggregators policies(size)15 count153 countQ1 FY26-27
debt to equity ratio-0.20 ×1.48 ×Q1 FY26-27 / Q1 FY22-23
Direct Business – Officers/Employees premium(size)85292 ₹ lakh1172 ₹ lakhQ1 FY26-27
solvency ratio-1.22 ×-1.70 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %70.7 %Q1 FY26-27
fire segment premium(size)47154 ₹ lakh44889 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count53956 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh389890 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs1142392 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %89.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)156008 count126089 countQ1 FY26-27
Brokers policies(size)1425107 count572387 countQ1 FY26-27
liability combined ratio50.7 %41.6 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27 / Q4 FY25-26
debentures & bonds(size)422924 INR_lakhs113014 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹1.10 ₹Q1 FY26-27 / Q1 FY22-23
motor tp combined ratio165.4 %198.5 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs729157 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh15 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %179.0 %Q1 FY26-27
liability incurred claims ratio7.3 %19.7 %Q1 FY26-27
operating profit ratio-12.8 %-760.0 %Q1 FY26-27
MISP (Direct) policies(size)1896 count82951 countQ1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
net retention ratio(size)85.1 %6974.0 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh2015 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh3844 ₹ lakhQ1 FY26-27
aviation incurred claims ratio63.1 %135.6 %Q1 FY26-27
marine cargo incurred claims ratio99.9 %61.8 %Q1 FY26-27
motor tp incurred claims ratio124.7 %168.5 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count18408 countQ1 FY26-27
net yield (quarterly)7.06 %5.82 %Q1 FY26-27
investment income ratio9.8 %0.0 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %484.0 %Q1 FY26-27
gross npa ratio0.75 %1.50 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %67.3 %Q1 FY26-27
expense ratio to gross premium31.8 %15.5 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)46558 count5203 countQ1 FY26-27
Individual Agents policies(size)1329274 count743681 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %6.9 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh34 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %10011.0 %Q1 FY26-27
central govt. securities(size)21.2 %24.1 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
combined ratio134.4 %11916.0 %Q1 FY26-27
marine cargo combined ratio136.8 %83.6 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh1425 ₹ lakhQ1 FY26-27
expense ratio35.4 %19.1 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs30410 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs5 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
other investments(size)60405 INR_lakhs68227 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %88.2 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh11513 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %233.8 %Q1 FY26-27
net earning ratio-13.5 %-767.0 %Q1 FY26-27
underwriting balance ratio-36.0 %-19.0 %Q1 FY26-27
profit after tax(size)-496 ₹ crore-340 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %17.3 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh28024 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count90 countQ1 FY26-27
claim settlement ratio52.7 %85.5 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh220939 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %72.5 %Q1 FY26-27
engineering combined ratio89.1 %74.9 %Q1 FY26-27
profit before tax(size)-496 ₹ crore-340 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh11763 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs508049 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %91.0 %Q1 FY26-27
health incurred claims ratio105.3 %95.5 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh1417 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %8.94 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh-998362 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh220179 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh4 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
motor TP segment premium(size)91131 ₹ lakh61082 ₹ lakhQ1 FY26-27
health combined ratio137.6 %109.6 %Q1 FY26-27
fire combined ratio117.0 %145.6 %Q1 FY26-27
aviation combined ratio94.9 %162.7 %Q1 FY26-27
required solvency margin(size)456132 ₹ lakh587764 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %56.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×-78.00 ×Q1 FY26-27
motor od combined ratio141.0 %141.4 %Q1 FY26-27
marine hull segment premium(size)3347 ₹ lakh8707 ₹ lakhQ1 FY26-27
liability segment premium(size)7861 ₹ lakh2838 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh9562 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count45 countQ1 FY26-27
net commission ratio(size)10.7 %766.0 %Q1 FY26-27
gross NPA ratio0.75 %1.93 %Q1 FY26-27 / Q1 FY22-23
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh918 ₹ lakhQ1 FY26-27
other approved securities(size)929 INR_lakhs164 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)16833 ₹ crore11858 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio4.68 %0.34 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

National Insurance Company
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Oriental Insurance Company
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