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New India Assurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricNew India AssuranceRoyal Sundaram General InsurancePeriod
marine hull segment premium(size)15558 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
Individual Agents policies(size)4531576 count50754 countQ1 FY26-27
personal accident combined ratio134.6 %117.8 %Q1 FY26-27
Common Service Centres (CSC) premium(size)34 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)661654 ₹ lakh42686 ₹ lakhQ1 FY26-27
npa provision coverage100.0 %84.8 %Q1 FY26-27
engineering segment premium(size)33615 ₹ lakh2550 ₹ lakhQ1 FY26-27
debentures & bonds(size)111686 INR_lakhs329442 INR_lakhsQ1 FY26-27
MISP (Direct) premium(size)94638 ₹ lakh210 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
health combined ratio128.1 %112.2 %Q1 FY26-27
other investments(size)75637 INR_lakhs104613 INR_lakhsQ1 FY26-27
net earning ratio-2.3 %2.5 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others premium(size)3499 ₹ lakh6831 ₹ lakhQ1 FY26-27
book value per share(size)141.95 ₹40.92 ₹Q1 FY26-27 / Q4 FY25-26
Other premium(size)2882 ₹ lakh4055 ₹ lakhQ1 FY26-27
engineering combined ratio109.6 %229.0 %Q1 FY26-27
Individual Agents premium(size)261231 ₹ lakh8787 ₹ lakhQ1 FY26-27
marine cargo combined ratio120.2 %125.3 %Q1 FY26-27
marine cargo incurred claims ratio104.4 %85.4 %Q1 FY26-27
motor TP segment premium(size)155831 ₹ lakh40596 ₹ lakhQ1 FY26-27
net retention ratio(size)81.8 %81.0 %Q1 FY26-27
underwriting balance ratio-0.2 %-21.0 %Q1 FY26-27
solvency ratio1.80 ×2.05 ×Q1 FY26-27
net worth growth rate(size)5.0 %2.0 %Q1 FY26-27
available solvency margin(size)2149470 ₹ lakh184006 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio51.9 %179.3 %Q1 FY26-27
Brokers premium(size)489456 ₹ lakh92437 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)8829 count4219 countQ1 FY26-27
Common Service Centres (CSC) policies(size)3037 count0 countQ1 FY26-27
govt + approved securities(size)47.9 %32.0 %Q1 FY26-27
motor od combined ratio141.1 %132.7 %Q1 FY26-27
operating profit ratio-8.3 %0.0 %Q1 FY26-27
infrastructure & housing(size)1593081 INR_lakhs156865 INR_lakhsQ1 FY26-27
liability combined ratio31.0 %71.1 %Q1 FY26-27
investment income ratio2.1 %2.4 %Q1 FY26-27
Brokers policies(size)742805 count290309 countQ1 FY26-27
motor tp combined ratio132.4 %115.5 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)2703 ₹ lakh13477 ₹ lakhQ1 FY26-27
gross direct premium to net worth ratio(size)0.57 ×69.00 ×Q1 FY26-27
earnings per share(size)-1.56 ₹0.59 ₹Q1 FY26-27 / Q4 FY25-26
gross NPA ratio0.21 %0.06 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others policies(size)32892 count19250 countQ1 FY26-27
incurred claims ratio103.4 %86.0 %Q1 FY26-27
expense ratio18.1 %30.3 %Q1 FY26-27
marine hull incurred claims ratio46.1 %0.0 %Q1 FY26-27 / Q1 FY25-26
fire incurred claims ratio31.7 %65.2 %Q1 FY26-27
profit after tax(size)-257 ₹ crore27 ₹ croreQ1 FY26-27
central govt. securities(size)26.6 %21.8 %Q1 FY26-27
liability segment premium(size)7176 ₹ lakh550 ₹ lakhQ1 FY26-27
gross npa ratio0.00 %0.06 %Q1 FY26-27
Corporate Agents – Banks policies(size)102238 count8526 countQ1 FY26-27
net NPA ratio0.00 %0.01 %Q1 FY26-27 / Q4 FY25-26
equity & preference shares(size)2673706 INR_lakhs95946 INR_lakhsQ1 FY26-27
workmen's compensation incurred claims ratio34.6 %136.0 %Q1 FY26-27
MISP (Direct) policies(size)1668014 count1660 countQ1 FY26-27
combined ratio121.4 %116.3 %Q1 FY26-27
gross yield (quarterly)10.87 %2.46 %Q1 FY26-27
personal accident segment premium(size)20196 ₹ lakh2622 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)8 count21 countQ1 FY26-27
motor od incurred claims ratio119.1 %84.2 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
net yield (quarterly)7.07 %2.46 %Q1 FY26-27
government securities(size)3483904 INR_lakhs316446 INR_lakhsQ1 FY26-27
fire segment premium(size)173566 ₹ lakh10449 ₹ lakhQ1 FY26-27
engineering incurred claims ratio98.0 %147.4 %Q1 FY26-27
workmen's compensation segment premium(size)6132 ₹ lakh456 ₹ lakhQ1 FY26-27
net commission ratio(size)8.4 %19.3 %Q1 FY26-27
gross npa (amount)14604 INR_lakhs571 INR_lakhsQ1 FY26-27
marine cargo segment premium(size)28454 ₹ lakh2622 ₹ lakhQ1 FY26-27
marine hull combined ratio50.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
expense ratio to gross premium16.8 %28.7 %Q1 FY26-27
fire combined ratio48.9 %110.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)1627 ₹ lakh313 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)79740 count61893 countQ1 FY26-27
required solvency margin(size)1193232 ₹ lakh89975 ₹ lakhQ1 FY26-27
health incurred claims ratio107.7 %100.2 %Q1 FY26-27
technical reserves to premium ratio(size)5.3 %7.6 %Q1 FY26-27
gross written premium(size)12464 ₹ crore3763 ₹ croreQ1 FY26-27 / FY25-03
Micro Agents policies(size)0 count0 countQ1 FY26-27
motor tp incurred claims ratio122.2 %80.4 %Q1 FY26-27
personal accident incurred claims ratio127.3 %70.5 %Q1 FY26-27
Other policies(size)26124 count4951 countQ1 FY26-27
Corporate Agents – Banks premium(size)6709 ₹ lakh1366 ₹ lakhQ1 FY26-27
motor OD segment premium(size)143180 ₹ lakh25303 ₹ lakhQ1 FY26-27
housing & infrastructure(size)23.6 %30.8 %Q1 FY26-27
gross direct premium growth rate(size)2.8 %10.8 %Q1 FY26-27
profit before tax(size)-191 ₹ crore37 ₹ croreQ1 FY26-27
liability incurred claims ratio10.2 %25.8 %Q1 FY26-27
gross yield (annualized)15.37 %8.49 %Q4 FY25-26
net yield (annualized)10.00 %8.49 %Q4 FY25-26
claim settlement ratio95.3 %82.1 %FY24-25
claims repudiation ratio1.51 %5.03 %FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

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New India Assurance
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Royal Sundaram General Insurance
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