Factuary

National Insurance Company vs Reliance General Insurance: IRDAI Data Comparison

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

MetricNational Insurance CompanyReliance General InsurancePeriod
mutual funds(size)117077 INR_lakhs2971 INR_lakhsQ1 FY26-27
other segment premium(size)14971 ₹ lakh3269 ₹ lakhQ1 FY26-27
Individual Agents premium(size)149079 ₹ lakh23430 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh10089 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %72.0 %Q1 FY26-27
fire incurred claims ratio77.0 %102.0 %Q1 FY26-27
govt + approved securities(size)41.7 %38.0 %Q1 FY26-27
Web Aggregators policies(size)15 count7713 countQ1 FY26-27
debt to equity ratio-0.20 ×0.33 ×Q1 FY26-27
Direct Business – Officers/Employees premium(size)85292 ₹ lakh0 ₹ lakhQ1 FY26-27
solvency ratio-1.22 ×1.75 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %120.0 %Q1 FY26-27
fire segment premium(size)47154 ₹ lakh42132 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count132648 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh174099 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs544642 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %128.5 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)156008 count205506 countQ1 FY26-27
Brokers policies(size)1425107 count1417761 countQ1 FY26-27
liability combined ratio50.7 %149.5 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
debentures & bonds(size)422924 INR_lakhs1050493 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹141.58 ₹Q1 FY26-27
motor tp combined ratio165.4 %173.6 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs99920 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh70 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %39.1 %Q1 FY26-27
liability incurred claims ratio7.3 %105.5 %Q1 FY26-27
operating profit ratio-12.8 %-3.7 %Q1 FY26-27
MISP (Direct) policies(size)1896 count146864 countQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
net retention ratio(size)85.1 %62.1 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh2306 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh50 ₹ lakhQ1 FY26-27
aviation incurred claims ratio63.1 %-131.4 %Q1 FY26-27
marine cargo incurred claims ratio99.9 %133.4 %Q1 FY26-27
motor tp incurred claims ratio124.7 %106.9 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count116834 countQ1 FY26-27
net yield (quarterly)7.06 %7.61 %Q1 FY26-27
investment income ratio9.8 %1.9 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)0 ₹ lakh4266 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %-12.2 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %268.4 %Q1 FY26-27
expense ratio to gross premium31.8 %29.0 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)46558 count0 countQ1 FY26-27
Individual Agents policies(size)1329274 count164737 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %9.1 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh14565 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %88.2 %Q1 FY26-27
central govt. securities(size)21.2 %28.0 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio134.4 %121.2 %Q1 FY26-27
marine cargo combined ratio136.8 %160.4 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh10600 ₹ lakhQ1 FY26-27
expense ratio35.4 %33.1 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs0 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs16942 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count5913 countQ1 FY26-27
other investments(size)60405 INR_lakhs99267 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %75.3 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh13739 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %67.5 %Q1 FY26-27
net earning ratio-13.5 %0.0 %Q1 FY26-27
underwriting balance ratio-36.0 %-0.3 %Q1 FY26-27
profit after tax(size)-496 ₹ crore1 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %25.0 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh46620 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count23775 countQ1 FY26-27
claim settlement ratio52.7 %90.4 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh5532 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %55.0 %Q1 FY26-27
engineering combined ratio89.1 %93.6 %Q1 FY26-27
profit before tax(size)-496 ₹ crore1 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh6348 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs324934 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %293.2 %Q1 FY26-27
health incurred claims ratio105.3 %90.2 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh599 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %7.63 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh384372 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh110935 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
motor TP segment premium(size)91131 ₹ lakh45046 ₹ lakhQ1 FY26-27
health combined ratio137.6 %106.0 %Q1 FY26-27
fire combined ratio117.0 %105.3 %Q1 FY26-27
aviation combined ratio94.9 %-120.9 %Q1 FY26-27
required solvency margin(size)456132 ₹ lakh219547 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %76.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×75.00 ×Q1 FY26-27
motor od combined ratio141.0 %141.2 %Q1 FY26-27
marine hull segment premium(size)3347 ₹ lakh10 ₹ lakhQ1 FY26-27
liability segment premium(size)7861 ₹ lakh2398 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh9695 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)10.7 %17.6 %Q1 FY26-27
gross NPA ratio0.75 %0.00 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh74 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh667 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %7.93 %Q4 FY25-26
gross yield (annualized)11.98 %7.94 %Q4 FY25-26
other approved securities(size)929 INR_lakhs267515 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)16833 ₹ crore12237 ₹ croreFY25-03 / Q4 FY25-26
claims repudiation ratio4.68 %2.11 %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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Reliance General Insurance
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