Navi General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Navi General Insurance | Universal Sompo General Insurance | Period |
|---|---|---|---|
| central govt. securities(size) | 46.0 % | 25.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 14678 INR_lakhs | 167084 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 185.0 % | 77.5 % | Q1 FY26-27 |
| fire incurred claims ratio | 1.0 % | -241.8 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | -360 count | 22034 count | Q1 FY26-27 |
| fire segment premium(size) | -15 ₹ lakh | 9563 ₹ lakh | Q1 FY26-27 |
| motor od incurred claims ratio | -739.0 % | 102.0 % | Q1 FY26-27 |
| combined ratio | 128.0 % | 104.3 % | Q1 FY26-27 |
| net worth growth rate(size) | -2.0 % | 12.0 % | Q1 FY26-27 |
| net earning ratio | -6.0 % | 5.8 % | Q1 FY26-27 / Q4 FY25-26 |
| other investments(size) | 3703 INR_lakhs | 21552 INR_lakhs | Q1 FY26-27 |
| marine cargo segment premium(size) | 0 ₹ lakh | 2242 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 28.0 % | 29.0 % | Q1 FY26-27 |
| book value per share(size) | 6.79 ₹ | 50.20 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium growth rate(size) | 66.0 % | 33.5 % | Q1 FY26-27 |
| engineering combined ratio | -38.0 % | 73.3 % | Q1 FY26-27 |
| investment income ratio | 2.0 % | 1.8 % | Q1 FY26-27 |
| infrastructure & housing(size) | 8459 INR_lakhs | 197661 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -6.0 % | 4.6 % | Q1 FY26-27 |
| engineering incurred claims ratio | 0.0 % | 26.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 17.00 × | 93.00 × | Q1 FY26-27 |
| gross written premium(size) | 56 ₹ crore | 5078 ₹ crore | Q1 FY26-27 / FY25-03 |
| earnings per share(size) | -0.06 ₹ | 1.52 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| marine hull segment premium(size) | 0 ₹ lakh | 7138 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -3 ₹ crore | 41 ₹ crore | Q1 FY26-27 |
| liability segment premium(size) | 0 ₹ lakh | 867 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 816 ₹ lakh | 61853 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 140.0 % | 87.1 % | Q1 FY26-27 |
| expense ratio to gross premium | 35.0 % | 28.7 % | Q1 FY26-27 |
| health incurred claims ratio | 109.0 % | 71.0 % | Q1 FY26-27 |
| net retention ratio(size) | 93.0 % | 52.1 % | Q1 FY26-27 |
| personal accident combined ratio | 38.0 % | 89.3 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | -44 ₹ lakh | 2597 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 92.0 % | 80.3 % | Q1 FY26-27 |
| personal accident segment premium(size) | 190 ₹ lakh | 6636 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 1044 INR_lakhs | 42415 INR_lakhs | Q1 FY26-27 |
| travel segment premium(size) | 0 ₹ lakh | 478 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 2.00 % | 7.16 % | Q1 FY26-27 |
| health segment premium(size) | 4470 ₹ lakh | 34439 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 2057 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 6.0 % | 10.4 % | Q1 FY26-27 |
| motor od combined ratio | -692.0 % | 149.2 % | Q1 FY26-27 |
| motor OD segment premium(size) | 178 ₹ lakh | 44195 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 8.0 % | -286.4 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 5.3 % | 4.2 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 8.0 % | 74.3 % | Q1 FY26-27 |
| net yield (quarterly) | 2.00 % | 5.36 % | Q1 FY26-27 |
| Brokers premium(size) | 576 ₹ lakh | 108870 ₹ lakh | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 0 ₹ lakh | 87 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 26367 INR_lakhs | 263751 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | -4 ₹ crore | 55 ₹ crore | Q1 FY26-27 |
| engineering segment premium(size) | 0 ₹ lakh | 664 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 2.87 × | 1.97 × | Q1 FY26-27 / Q4 FY24-25 |
| mutual funds(size) | 5122 INR_lakhs | 207 INR_lakhs | Q1 FY26-27 / Q2 FY25-26 |
| motor tp incurred claims ratio | 116.0 % | 65.8 % | Q1 FY26-27 |
| Brokers policies(size) | 4260 count | 853611 count | Q1 FY26-27 |
| expense ratio | 36.0 % | 24.0 % | Q1 FY26-27 |
| underwriting balance ratio | -29.0 % | -8.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.0 % | 37.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 36.0 % | 20.1 % | Q1 FY26-27 |
| net yield (annualized) | 9.00 % | 6.00 % | Q4 FY25-26 |
| gross yield (annualized) | 9.00 % | 8.00 % | Q4 FY25-26 |
| claim settlement ratio | 72.4 % | 91.3 % | FY24-25 |
| claims repudiation ratio | 17.14 % | 1.76 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.