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Oriental Insurance Company vs Reliance General Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanyReliance General InsurancePeriod
fire incurred claims ratio95.6 %102.0 %Q1 FY26-27
gross npa (amount)30410 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count5913 countQ1 FY26-27
net worth growth rate(size)11532.0 %0.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×75.00 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh5532 ₹ lakhQ1 FY26-27
Direct Business – Online premium(size)0 ₹ lakh961 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs544642 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh13739 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count1417761 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh23430 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count7713 countQ1 FY26-27
profit after tax(size)-340 ₹ crore1 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh4266 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2015 ₹ lakh2306 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %72.0 %Q1 FY26-27
aviation combined ratio162.7 %-120.9 %Q1 FY26-27
net retention ratio(size)6974.0 %62.1 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %268.4 %Q1 FY26-27
infrastructure & housing(size)508049 INR_lakhs324934 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh42132 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %-12.2 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Direct Business – Online policies(size)0 count13266 countQ1 FY26-27
motor od combined ratio141.4 %141.2 %Q1 FY26-27
motor OD segment premium(size)28024 ₹ lakh46620 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %160.4 %Q1 FY26-27
net earning ratio-767.0 %0.0 %Q1 FY26-27
gross written premium(size)11858 ₹ crore12237 ₹ croreQ1 FY26-27 / Q4 FY25-26
other segment premium(size)12943 ₹ lakh3269 ₹ lakhQ1 FY26-27
equity & preference shares(size)729157 INR_lakhs99920 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %7.63 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh6348 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh10600 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %25.0 %Q1 FY26-27
other approved securities(size)164 INR_lakhs267515 INR_lakhsQ1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh599 ₹ lakhQ1 FY26-27
mutual funds(size)31097 INR_lakhs2971 INR_lakhsQ1 FY26-27
personal accident combined ratio88.2 %75.3 %Q1 FY26-27
motor tp combined ratio198.5 %173.6 %Q1 FY26-27
Insurance Marketing Firm policies(size)90 count23775 countQ1 FY26-27
Direct Business – Officers/Employees policies(size)5203 count0 countQ1 FY26-27
travel combined ratio0.0 %117.6 %Q1 FY26-27
available solvency margin(size)-998362 ₹ lakh384372 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh10089 ₹ lakhQ1 FY26-27
return on net worth4.2 %0.0 %Q1 FY26-27
net yield (quarterly)5.82 %7.61 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh667 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %76.2 %Q1 FY26-27
liability incurred claims ratio19.7 %105.5 %Q1 FY26-27
MISP (Direct) policies(size)82951 count146864 countQ1 FY26-27
workmen's compensation combined ratio91.0 %293.2 %Q1 FY26-27
technical reserves to premium ratio(size)6.9 %9.1 %Q1 FY26-27
liquid assets to liabilities ratio0.1 %0.2 %Q1 FY26-27
health combined ratio109.6 %106.0 %Q1 FY26-27
health segment premium(size)220179 ₹ lakh110935 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %32.4 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh9695 ₹ lakhQ1 FY26-27
aviation segment premium(size)3844 ₹ lakh50 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %7.8 %Q1 FY26-27
underwriting balance ratio-19.0 %-0.3 %Q1 FY26-27
liability combined ratio41.6 %149.5 %Q1 FY26-27
required solvency margin(size)587764 ₹ lakh219547 ₹ lakhQ1 FY26-27
net commission ratio(size)766.0 %17.6 %Q1 FY26-27
crop insurance segment premium(size)34 ₹ lakh14565 ₹ lakhQ1 FY26-27
engineering combined ratio74.9 %93.6 %Q1 FY26-27
motor TP segment premium(size)61082 ₹ lakh45046 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count164737 countQ1 FY26-27
expense ratio to gross premium15.5 %29.0 %Q1 FY26-27
solvency ratio-1.70 ×1.75 ×Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh70 ₹ lakhQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
Micro Agents policies(size)45 count0 countQ1 FY26-27
Corporate Agents – Banks policies(size)53956 count132648 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh74 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count205506 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count116834 countQ1 FY26-27
central govt. securities(size)24.1 %28.0 %Q1 FY26-27
marine hull incurred claims ratio70.7 %120.0 %Q1 FY26-27
crop combined ratio233.8 %67.5 %Q1 FY26-27
real estate & subsidiaries(size)5 INR_lakhs16942 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio168.5 %106.9 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio0.0 %1.9 %Q1 FY26-27
health incurred claims ratio95.5 %90.2 %Q1 FY26-27
marine cargo incurred claims ratio61.8 %133.4 %Q1 FY26-27
marine hull segment premium(size)8707 ₹ lakh10 ₹ lakhQ1 FY26-27
incurred claims ratio10011.0 %88.2 %Q1 FY26-27
combined ratio11916.0 %121.2 %Q1 FY26-27
fire combined ratio145.6 %105.3 %Q1 FY26-27
aviation incurred claims ratio135.6 %-131.4 %Q1 FY26-27
govt + approved securities(size)56.5 %38.0 %Q1 FY26-27
Micro Agents premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio179.0 %39.1 %Q1 FY26-27
liability segment premium(size)2838 ₹ lakh2398 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %128.5 %Q1 FY26-27
expense ratio19.1 %33.1 %Q1 FY26-27
operating profit ratio-760.0 %-3.7 %Q1 FY26-27
profit before tax(size)-340 ₹ crore1 ₹ croreQ1 FY26-27
Brokers premium(size)389890 ₹ lakh174099 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)1172 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs1050493 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %55.0 %Q1 FY26-27
other investments(size)68227 INR_lakhs99267 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh63520 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others policies(size)0 count68355 countQ4 FY25-26 / Q1 FY26-27
claims repudiation ratio0.34 %2.11 %FY24-25
claim settlement ratio85.5 %90.4 %FY24-25
debt to equity ratio1.48 ×0.33 ×Q1 FY22-23 / Q1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY22-23 / Q1 FY26-27
gross NPA ratio1.93 %0.00 %Q1 FY22-23 / Q1 FY26-27
book value per share(size)1.10 ₹141.58 ₹Q1 FY22-23 / Q1 FY26-27

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

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Oriental Insurance Company
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Reliance General Insurance
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