Factuary

National Insurance Company vs Shriram General Insurance: IRDAI Data Comparison

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

MetricNational Insurance CompanyShriram General InsurancePeriod
earnings per share(size)-0.53 ₹5.06 ₹Q1 FY26-27
other segment premium(size)14971 ₹ lakh1141 ₹ lakhQ1 FY26-27
Individual Agents premium(size)149079 ₹ lakh4860 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh350 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %98.4 %Q1 FY26-27
fire incurred claims ratio77.0 %58.6 %Q1 FY26-27
govt + approved securities(size)41.7 %30.3 %Q1 FY26-27
Web Aggregators policies(size)15 count108 countQ1 FY26-27
solvency ratio-1.22 ×3.02 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %0.0 %Q1 FY26-27
fire segment premium(size)47154 ₹ lakh1969 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count13162 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh29449 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs458529 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)156008 count660339 countQ1 FY26-27
Brokers policies(size)1425107 count313126 countQ1 FY26-27
liability combined ratio50.7 %358.1 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
debentures & bonds(size)422924 INR_lakhs319808 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹114.19 ₹Q1 FY26-27
motor tp combined ratio165.4 %98.7 %Q1 FY26-27
equity & preference shares(size)1314528 INR_lakhs151575 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh17 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %0.0 %Q1 FY26-27
liability incurred claims ratio7.3 %30.4 %Q1 FY26-27
operating profit ratio-12.8 %17.2 %Q1 FY26-27
MISP (Direct) policies(size)1896 count30316 countQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
net retention ratio(size)85.1 %84.0 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh623 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh0 ₹ lakhQ1 FY26-27
aviation incurred claims ratio63.1 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio99.9 %100.3 %Q1 FY26-27
motor tp incurred claims ratio124.7 %58.7 %Q1 FY26-27
Corporate Agents – Others policies(size)11710 count723601 countQ1 FY26-27
net yield (quarterly)7.06 %5.43 %Q1 FY26-27
investment income ratio9.8 %1.7 %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 %22.9 %Q1 FY26-27
gross npa ratio0.75 %0.00 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %38.6 %Q1 FY26-27
expense ratio to gross premium31.8 %33.7 %Q1 FY26-27
Individual Agents policies(size)1329274 count58733 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %1079.9 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %68.7 %Q1 FY26-27
central govt. securities(size)21.2 %25.6 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio134.4 %104.7 %Q1 FY26-27
marine cargo combined ratio136.8 %208.4 %Q1 FY26-27
Corporate Agents – Others premium(size)943 ₹ lakh34718 ₹ lakhQ1 FY26-27
expense ratio35.4 %37.4 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs0 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs18266 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count631 countQ1 FY26-27
other investments(size)60405 INR_lakhs1078 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %41.6 %Q1 FY26-27
engineering segment premium(size)13903 ₹ lakh850 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %0.0 %Q1 FY26-27
net earning ratio-13.5 %12.3 %Q1 FY26-27
underwriting balance ratio-36.0 %-6.1 %Q1 FY26-27
profit after tax(size)-496 ₹ crore131 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %34.9 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh29251 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count1251 countQ1 FY26-27
claim settlement ratio52.7 %71.8 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh4253 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %15.8 %Q1 FY26-27
engineering combined ratio89.1 %233.1 %Q1 FY26-27
profit before tax(size)-496 ₹ crore174 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh218 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs502514 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %61.7 %Q1 FY26-27
health incurred claims ratio105.3 %94.5 %Q1 FY26-27
workmen's compensation segment premium(size)1526 ₹ lakh177 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %7.26 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh271557 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh1266 ₹ 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 ₹ lakh78711 ₹ lakhQ1 FY26-27
health combined ratio137.6 %96.6 %Q1 FY26-27
fire combined ratio117.0 %150.7 %Q1 FY26-27
aviation combined ratio94.9 %0.0 %Q1 FY26-27
required solvency margin(size)456132 ₹ lakh89841 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %148.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)-92.00 ×39.87 ×Q1 FY26-27
motor od combined ratio141.0 %134.8 %Q1 FY26-27
marine hull segment premium(size)3347 ₹ lakh0 ₹ lakhQ1 FY26-27
liability segment premium(size)7861 ₹ lakh145 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh46028 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)10.7 %25.6 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh11 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh92 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %5.44 %Q4 FY25-26
gross yield (annualized)11.98 %7.27 %Q4 FY25-26
other approved securities(size)929 INR_lakhs5503 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)16833 ₹ crore1180 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio4.68 %3.53 %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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Shriram General Insurance
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