Navi General Insurance vs Reliance General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Navi General Insurance | Reliance General Insurance | Period |
|---|---|---|---|
| central govt. securities(size) | 46.0 % | 28.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 14678 INR_lakhs | 1050493 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 185.0 % | 173.6 % | Q1 FY26-27 |
| fire incurred claims ratio | 1.0 % | 102.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | -360 count | 116834 count | Q1 FY26-27 |
| fire segment premium(size) | -15 ₹ lakh | 42132 ₹ lakh | Q1 FY26-27 |
| motor od incurred claims ratio | -739.0 % | 72.0 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 50 ₹ lakh | Q1 FY26-27 |
| combined ratio | 128.0 % | 121.2 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| net worth growth rate(size) | -2.0 % | 0.0 % | Q1 FY26-27 |
| net earning ratio | -6.0 % | 0.0 % | Q1 FY26-27 |
| other investments(size) | 3703 INR_lakhs | 99267 INR_lakhs | Q1 FY26-27 |
| available solvency margin(size) | 17438 ₹ lakh | 384372 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 0 ₹ lakh | 6348 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 28.0 % | 25.0 % | Q1 FY26-27 |
| book value per share(size) | 6.79 ₹ | 141.58 ₹ | Q1 FY26-27 |
| gross direct premium growth rate(size) | 66.0 % | -12.2 % | Q1 FY26-27 |
| engineering combined ratio | -38.0 % | 93.6 % | Q1 FY26-27 |
| investment income ratio | 2.0 % | 1.9 % | Q1 FY26-27 |
| infrastructure & housing(size) | 8459 INR_lakhs | 324934 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -6.0 % | -3.7 % | Q1 FY26-27 |
| engineering incurred claims ratio | 0.0 % | 76.2 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 17.00 × | 75.00 × | Q1 FY26-27 |
| gross written premium(size) | 56 ₹ crore | 12237 ₹ crore | Q1 FY26-27 / Q4 FY25-26 |
| marine hull segment premium(size) | 0 ₹ lakh | 10 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -3 ₹ crore | 1 ₹ crore | Q1 FY26-27 |
| liability segment premium(size) | 0 ₹ lakh | 2398 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 816 ₹ lakh | 45046 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 140.0 % | 106.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 35.0 % | 29.0 % | Q1 FY26-27 |
| health incurred claims ratio | 109.0 % | 90.2 % | Q1 FY26-27 |
| net retention ratio(size) | 93.0 % | 62.1 % | Q1 FY26-27 |
| required solvency margin(size) | 6081 ₹ lakh | 219547 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 38.0 % | 75.3 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | -44 ₹ lakh | 10600 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 92.0 % | 88.2 % | Q1 FY26-27 |
| personal accident segment premium(size) | 190 ₹ lakh | 5532 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 1044 INR_lakhs | 99920 INR_lakhs | Q1 FY26-27 |
| travel segment premium(size) | 0 ₹ lakh | 4266 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 2.00 % | 7.63 % | Q1 FY26-27 |
| health segment premium(size) | 4470 ₹ lakh | 110935 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 14565 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 6.0 % | 17.6 % | Q1 FY26-27 |
| motor od combined ratio | -692.0 % | 141.2 % | Q1 FY26-27 |
| motor OD segment premium(size) | 178 ₹ lakh | 46620 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 8.0 % | 105.3 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 5.3 % | 9.1 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 8.0 % | 55.0 % | Q1 FY26-27 |
| net yield (quarterly) | 2.00 % | 7.61 % | Q1 FY26-27 |
| Brokers premium(size) | 576 ₹ lakh | 174099 ₹ lakh | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 0 ₹ lakh | 599 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 26367 INR_lakhs | 544642 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | -4 ₹ crore | 1 ₹ crore | Q1 FY26-27 |
| engineering segment premium(size) | 0 ₹ lakh | 13739 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 2.87 × | 1.75 × | Q1 FY26-27 |
| mutual funds(size) | 5122 INR_lakhs | 2971 INR_lakhs | Q1 FY26-27 |
| motor tp incurred claims ratio | 116.0 % | 106.9 % | Q1 FY26-27 |
| Brokers policies(size) | 4260 count | 1417761 count | Q1 FY26-27 |
| expense ratio | 36.0 % | 33.1 % | Q1 FY26-27 |
| underwriting balance ratio | -29.0 % | -0.3 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.0 % | 38.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 36.0 % | 7.8 % | Q1 FY26-27 |
| net yield (annualized) | 9.00 % | 7.93 % | Q4 FY25-26 |
| gross yield (annualized) | 9.00 % | 7.94 % | Q4 FY25-26 |
| gross NPA ratio | 0.00 % | 0.00 % | Q2 FY25-26 / Q1 FY26-27 |
| net NPA ratio | 0.00 % | 0.00 % | Q2 FY25-26 / Q1 FY26-27 |
| real estate & subsidiaries(size) | 5083 INR_lakhs | 16942 INR_lakhs | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 72.4 % | 90.4 % | FY24-25 |
| claims repudiation ratio | 17.14 % | 2.11 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.