Factuary

National Insurance Company vs SBI General Insurance: IRDAI Data Comparison

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

MetricNational Insurance CompanySBI General InsurancePeriod
mutual funds(size)117077 INR_lakhs55605 INR_lakhsQ1 FY26-27 / Q3 FY25-26
earnings per share(size)-0.53 ₹1.36 ₹Q1 FY26-27 / Q4 FY25-26
Individual Agents premium(size)149079 ₹ lakh10951 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh85651 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %83.9 %Q1 FY26-27
fire incurred claims ratio77.0 %75.2 %Q1 FY26-27
govt + approved securities(size)41.7 %37.0 %Q1 FY26-27
Web Aggregators policies(size)15 count56 countQ1 FY26-27
debt to equity ratio-0.20 ×0.14 ×Q1 FY26-27 / Q4 FY25-26
Direct Business – Officers/Employees premium(size)85292 ₹ lakh0 ₹ lakhQ1 FY26-27
solvency ratio-1.22 ×2.00 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %0.0 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)47154 ₹ lakh37470 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count624380 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh208297 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs924625 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %0.0 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) policies(size)156008 count95763 countQ1 FY26-27
Brokers policies(size)1425107 count1303324 countQ1 FY26-27
liability combined ratio50.7 %112.2 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
debentures & bonds(size)422924 INR_lakhs527301 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹231.56 ₹Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio165.4 %146.8 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs239219 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh9 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %-21.7 %Q1 FY26-27
liability incurred claims ratio7.3 %89.7 %Q1 FY26-27
operating profit ratio-12.8 %5.5 %Q1 FY26-27
MISP (Direct) policies(size)1896 count0 countQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
net retention ratio(size)85.1 %68.3 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh0 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
aviation incurred claims ratio63.1 %100.0 %Q1 FY26-27
marine cargo incurred claims ratio99.9 %175.2 %Q1 FY26-27
motor tp incurred claims ratio124.7 %88.2 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count19211 countQ1 FY26-27
net yield (quarterly)7.06 %1.52 %Q1 FY26-27
investment income ratio9.8 %2.2 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)0 ₹ lakh43 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %10.8 %Q1 FY26-27
gross npa ratio0.75 %0.00 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %64.7 %Q1 FY26-27
expense ratio to gross premium31.8 %28.6 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)46558 count0 countQ1 FY26-27
Individual Agents policies(size)1329274 count54927 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %6.7 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh799 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %79.2 %Q1 FY26-27
central govt. securities(size)21.2 %22.4 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio134.4 %111.5 %Q1 FY26-27
marine cargo combined ratio136.8 %196.8 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh2765 ₹ lakhQ1 FY26-27
expense ratio35.4 %32.3 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs0 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs34231 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count32151 countQ1 FY26-27
other investments(size)60405 INR_lakhs90428 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %57.4 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh9363 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %722.8 %Q1 FY26-27
net earning ratio-13.5 %0.9 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio-36.0 %-10.0 %Q1 FY26-27
profit after tax(size)-496 ₹ crore166 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %27.2 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh56299 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count1640 countQ1 FY26-27
claim settlement ratio52.7 %77.7 %Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)39683 ₹ lakh44161 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %42.9 %Q1 FY26-27
engineering combined ratio89.1 %84.6 %Q1 FY26-27
profit before tax(size)-496 ₹ crore222 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh4005 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs682117 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %101.6 %Q1 FY26-27
health incurred claims ratio105.3 %88.2 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh314 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %2.03 %Q1 FY26-27
health segment premium(size)149925 ₹ lakh126312 ₹ 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 ₹ lakh62025 ₹ lakhQ1 FY26-27
health combined ratio137.6 %111.6 %Q1 FY26-27
fire combined ratio117.0 %276.7 %Q1 FY26-27
aviation combined ratio94.9 %100.0 %Q1 FY26-27
engineering incurred claims ratio48.6 %80.1 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×66.00 ×Q1 FY26-27
motor od combined ratio141.0 %149.6 %Q1 FY26-27
liability segment premium(size)7861 ₹ lakh4029 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh10883 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)10.7 %15.6 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh828 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh337 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %6.02 %Q4 FY25-26 / FY25-26
gross yield (annualized)11.98 %8.04 %Q4 FY25-26 / FY25-26
gross written premium(size)16833 ₹ crore13890 ₹ croreFY25-03
claims repudiation ratio4.68 %1.40 %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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SBI General Insurance
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