Factuary

National Insurance Company vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricNational Insurance CompanyRoyal Sundaram General InsurancePeriod
earnings per share(size)-0.53 ₹0.59 ₹Q1 FY26-27 / Q4 FY25-26
Individual Agents premium(size)149079 ₹ lakh8787 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh1366 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %84.2 %Q1 FY26-27
fire incurred claims ratio77.0 %65.2 %Q1 FY26-27
govt + approved securities(size)41.7 %32.0 %Q1 FY26-27
Web Aggregators policies(size)15 count21 countQ1 FY26-27
debt to equity ratio-0.20 ×0.07 ×Q1 FY26-27 / Q4 FY25-26
Direct Business – Officers/Employees premium(size)85292 ₹ lakh0 ₹ lakhQ1 FY26-27
solvency ratio-1.22 ×2.05 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %0.0 %Q1 FY26-27 / Q1 FY25-26
fire segment premium(size)47154 ₹ lakh10449 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count8526 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh92437 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs316446 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %0.0 %Q1 FY26-27 / Q1 FY25-26
Point of Sales Person (Direct) policies(size)156008 count61893 countQ1 FY26-27
Brokers policies(size)1425107 count290309 countQ1 FY26-27
liability combined ratio50.7 %71.1 %Q1 FY26-27
Other policies(size)0 count4951 countQ1 FY26-27
debentures & bonds(size)422924 INR_lakhs329442 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio165.4 %115.5 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs95946 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
liability incurred claims ratio7.3 %25.8 %Q1 FY26-27
operating profit ratio-12.8 %0.0 %Q1 FY26-27
MISP (Direct) policies(size)1896 count1660 countQ1 FY26-27
npa provision coverage100.0 %84.8 %Q1 FY26-27
net retention ratio(size)85.1 %81.0 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh210 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio99.9 %85.4 %Q1 FY26-27
motor tp incurred claims ratio124.7 %80.4 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count19250 countQ1 FY26-27
net yield (quarterly)7.06 %2.46 %Q1 FY26-27
investment income ratio9.8 %2.4 %Q1 FY26-27
travel segment premium(size)0 ₹ lakh41 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %10.8 %Q1 FY26-27
gross npa ratio0.75 %0.06 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %136.0 %Q1 FY26-27
expense ratio to gross premium31.8 %28.7 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)46558 count0 countQ1 FY26-27
Individual Agents policies(size)1329274 count50754 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %7.6 %Q1 FY26-27
incurred claims ratio98.9 %86.0 %Q1 FY26-27
central govt. securities(size)21.2 %21.8 %Q1 FY26-27
Other premium(size)0 ₹ lakh4055 ₹ lakhQ1 FY26-27
combined ratio134.4 %116.3 %Q1 FY26-27
marine cargo combined ratio136.8 %125.3 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh6831 ₹ lakhQ1 FY26-27
expense ratio35.4 %30.3 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs571 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
other investments(size)60405 INR_lakhs104613 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %117.8 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh2550 ₹ lakhQ1 FY26-27
net earning ratio-13.5 %2.5 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio-36.0 %-21.0 %Q1 FY26-27
profit after tax(size)-496 ₹ crore27 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %30.8 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh25303 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count4219 countQ1 FY26-27
claim settlement ratio52.7 %82.1 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh2622 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %70.5 %Q1 FY26-27
engineering combined ratio89.1 %229.0 %Q1 FY26-27
profit before tax(size)-496 ₹ crore37 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh2622 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs156865 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %179.3 %Q1 FY26-27
health incurred claims ratio105.3 %100.2 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh456 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %2.46 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh184006 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh42686 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor TP segment premium(size)91131 ₹ lakh40596 ₹ lakhQ1 FY26-27
health combined ratio137.6 %112.2 %Q1 FY26-27
fire combined ratio117.0 %110.0 %Q1 FY26-27
required solvency margin(size)456132 ₹ lakh89975 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %147.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×69.00 ×Q1 FY26-27
motor od combined ratio141.0 %132.7 %Q1 FY26-27
marine hull segment premium(size)3347 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
liability segment premium(size)7861 ₹ lakh550 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh13477 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)10.7 %19.3 %Q1 FY26-27
gross NPA ratio0.75 %0.06 %Q1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh313 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %8.49 %Q4 FY25-26
gross yield (annualized)11.98 %8.49 %Q4 FY25-26
gross written premium(size)16833 ₹ crore3763 ₹ croreFY25-03
claims repudiation ratio4.68 %5.03 %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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Royal Sundaram General Insurance
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