Navi General Insurance vs United India Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Navi General Insurance | United India Insurance | Period |
|---|---|---|---|
| central govt. securities(size) | 46.0 % | 23.1 % | Q1 FY26-27 |
| debentures & bonds(size) | 14678 INR_lakhs | 233920 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 185.0 % | 157.7 % | Q1 FY26-27 / Q4 FY25-26 |
| fire incurred claims ratio | 1.0 % | 107.6 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Others policies(size) | -360 count | 50625 count | Q1 FY26-27 |
| fire segment premium(size) | -15 ₹ lakh | 61685 ₹ lakh | Q1 FY26-27 |
| motor od incurred claims ratio | -739.0 % | 98.5 % | Q1 FY26-27 / Q4 FY25-26 |
| aviation segment premium(size) | 0 ₹ lakh | 542 ₹ lakh | Q1 FY26-27 |
| combined ratio | 128.0 % | 139.1 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 33495 INR_lakhs | Q1 FY26-27 |
| net worth growth rate(size) | -2.0 % | 0.0 % | Q1 FY26-27 |
| net earning ratio | -6.0 % | -15.3 % | Q1 FY26-27 / Q4 FY25-26 |
| other investments(size) | 3703 INR_lakhs | 73696 INR_lakhs | Q1 FY26-27 |
| available solvency margin(size) | 17438 ₹ lakh | -874629 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 0 ₹ lakh | 6765 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 28.0 % | 19.6 % | Q1 FY26-27 |
| book value per share(size) | 6.79 ₹ | -15.98 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium growth rate(size) | 66.0 % | -27.0 % | Q1 FY26-27 |
| engineering combined ratio | -38.0 % | 97.9 % | Q1 FY26-27 / Q4 FY25-26 |
| investment income ratio | 2.0 % | 8.9 % | Q1 FY26-27 |
| infrastructure & housing(size) | 8459 INR_lakhs | 763969 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -6.0 % | -17.3 % | Q1 FY26-27 |
| engineering incurred claims ratio | 0.0 % | 43.4 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium to net worth ratio(size) | 17.00 × | -80.00 × | Q1 FY26-27 |
| gross written premium(size) | 56 ₹ crore | 20072 ₹ crore | Q1 FY26-27 / FY25-03 |
| earnings per share(size) | -0.06 ₹ | -12.39 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| marine hull segment premium(size) | 0 ₹ lakh | 5184 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -3 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| liability segment premium(size) | 0 ₹ lakh | 8837 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 816 ₹ lakh | 187028 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 140.0 % | 132.0 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio to gross premium | 35.0 % | 27.3 % | Q1 FY26-27 |
| health incurred claims ratio | 109.0 % | 103.9 % | Q1 FY26-27 / Q4 FY25-26 |
| net retention ratio(size) | 93.0 % | 71.9 % | Q1 FY26-27 |
| required solvency margin(size) | 6081 ₹ lakh | 588214 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 38.0 % | 151.3 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Others premium(size) | -44 ₹ lakh | 1598 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 92.0 % | 103.6 % | Q1 FY26-27 |
| personal accident segment premium(size) | 190 ₹ lakh | 7681 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 1044 INR_lakhs | 805380 INR_lakhs | Q1 FY26-27 |
| travel segment premium(size) | 0 ₹ lakh | 116 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 2.00 % | 8.97 % | Q1 FY26-27 |
| health segment premium(size) | 4470 ₹ lakh | 206119 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 6.0 % | 18.3 % | Q1 FY26-27 |
| motor od combined ratio | -692.0 % | 143.8 % | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 178 ₹ lakh | 47468 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 8.0 % | 176.5 % | Q1 FY26-27 / Q4 FY25-26 |
| technical reserves to premium ratio(size) | 5.3 % | 9.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 8.0 % | 116.6 % | Q1 FY26-27 / Q4 FY25-26 |
| net yield (quarterly) | 2.00 % | 5.92 % | Q1 FY26-27 |
| Brokers premium(size) | 576 ₹ lakh | 226344 ₹ lakh | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 0 ₹ lakh | 1922 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 26367 INR_lakhs | 1624959 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | -4 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| engineering segment premium(size) | 0 ₹ lakh | 12861 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 2.87 × | -1.49 × | Q1 FY26-27 |
| mutual funds(size) | 5122 INR_lakhs | 145809 INR_lakhs | Q1 FY26-27 |
| motor tp incurred claims ratio | 116.0 % | 105.4 % | Q1 FY26-27 / Q4 FY25-26 |
| Brokers policies(size) | 4260 count | 1143981 count | Q1 FY26-27 |
| expense ratio | 36.0 % | 35.5 % | Q1 FY26-27 |
| underwriting balance ratio | -29.0 % | -34.6 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.0 % | 49.1 % | Q1 FY26-27 |
| net yield (annualized) | 9.00 % | 6.83 % | Q4 FY25-26 / FY25-26 |
| gross yield (annualized) | 9.00 % | 10.35 % | Q4 FY25-26 / FY25-26 |
| gross NPA ratio | 0.00 % | 1.00 % | Q2 FY25-26 / Q4 FY25-26 |
| net NPA ratio | 0.00 % | 0.00 % | Q2 FY25-26 / Q4 FY25-26 |
| real estate & subsidiaries(size) | 5083 INR_lakhs | 0 INR_lakhs | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 72.4 % | 84.9 % | FY24-25 |
| claims repudiation ratio | 17.14 % | 3.96 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.