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Oriental Insurance Company vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanyRoyal Sundaram General InsurancePeriod
fire incurred claims ratio95.6 %65.2 %Q1 FY26-27
gross npa (amount)30410 INR_lakhs571 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
net worth growth rate(size)11532.0 %2.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×69.00 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh2622 ₹ lakhQ1 FY26-27
Direct Business – Online premium(size)0 ₹ lakh1041 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs316446 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh2550 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count290309 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh8787 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count21 countQ1 FY26-27
profit after tax(size)-340 ₹ crore27 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh41 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2015 ₹ lakh210 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %84.2 %Q1 FY26-27
net retention ratio(size)6974.0 %81.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %136.0 %Q1 FY26-27
infrastructure & housing(size)508049 INR_lakhs156865 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh10449 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %10.8 %Q1 FY26-27
Direct Business – Online policies(size)0 count8117 countQ1 FY26-27
motor od combined ratio141.4 %132.7 %Q1 FY26-27
motor OD segment premium(size)28024 ₹ lakh25303 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %125.3 %Q1 FY26-27
net earning ratio-767.0 %2.5 %Q1 FY26-27 / Q4 FY25-26
gross written premium(size)11858 ₹ crore3763 ₹ croreQ1 FY26-27 / FY25-03
equity & preference shares(size)729157 INR_lakhs95946 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %2.46 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh2622 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh6831 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %30.8 %Q1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh456 ₹ lakhQ1 FY26-27
personal accident combined ratio88.2 %117.8 %Q1 FY26-27
motor tp combined ratio198.5 %115.5 %Q1 FY26-27
Insurance Marketing Firm policies(size)90 count4219 countQ1 FY26-27
Direct Business – Officers/Employees policies(size)5203 count0 countQ1 FY26-27
travel combined ratio0.0 %72.0 %Q1 FY26-27
available solvency margin(size)-998362 ₹ lakh184006 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh1366 ₹ lakhQ1 FY26-27
net yield (quarterly)5.82 %2.46 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh313 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %147.4 %Q1 FY26-27
liability incurred claims ratio19.7 %25.8 %Q1 FY26-27
MISP (Direct) policies(size)82951 count1660 countQ1 FY26-27
workmen's compensation combined ratio91.0 %179.3 %Q1 FY26-27
technical reserves to premium ratio(size)6.9 %7.6 %Q1 FY26-27
health combined ratio109.6 %112.2 %Q1 FY26-27
health segment premium(size)220179 ₹ lakh42686 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %24.3 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh13477 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %9.6 %Q1 FY26-27
underwriting balance ratio-19.0 %-21.0 %Q1 FY26-27
liability combined ratio41.6 %71.1 %Q1 FY26-27
required solvency margin(size)587764 ₹ lakh89975 ₹ lakhQ1 FY26-27
net commission ratio(size)766.0 %19.3 %Q1 FY26-27
engineering combined ratio74.9 %229.0 %Q1 FY26-27
motor TP segment premium(size)61082 ₹ lakh40596 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count50754 countQ1 FY26-27
expense ratio to gross premium15.5 %28.7 %Q1 FY26-27
solvency ratio-1.70 ×2.05 ×Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh7 ₹ lakhQ1 FY26-27
npa provision coverage100.0 %84.8 %Q1 FY26-27
Micro Agents policies(size)45 count0 countQ1 FY26-27
Corporate Agents – Banks policies(size)53956 count8526 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count61893 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count19250 countQ1 FY26-27
central govt. securities(size)24.1 %21.8 %Q1 FY26-27
marine hull incurred claims ratio70.7 %0.0 %Q1 FY26-27 / Q1 FY25-26
motor tp incurred claims ratio168.5 %80.4 %Q1 FY26-27
investment income ratio0.0 %2.4 %Q1 FY26-27
health incurred claims ratio95.5 %100.2 %Q1 FY26-27
marine cargo incurred claims ratio61.8 %85.4 %Q1 FY26-27
marine hull segment premium(size)8707 ₹ lakh3 ₹ lakhQ1 FY26-27 / Q4 FY25-26
incurred claims ratio10011.0 %86.0 %Q1 FY26-27
combined ratio11916.0 %116.3 %Q1 FY26-27
fire combined ratio145.6 %110.0 %Q1 FY26-27
govt + approved securities(size)56.5 %32.0 %Q1 FY26-27
Micro Agents premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
liability segment premium(size)2838 ₹ lakh550 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %0.0 %Q1 FY26-27 / Q1 FY25-26
expense ratio19.1 %30.3 %Q1 FY26-27
operating profit ratio-760.0 %0.0 %Q1 FY26-27
profit before tax(size)-340 ₹ crore37 ₹ croreQ1 FY26-27
gross npa ratio1.50 %0.06 %Q1 FY26-27
Brokers premium(size)389890 ₹ lakh92437 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)1172 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs329442 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %70.5 %Q1 FY26-27
other investments(size)68227 INR_lakhs104613 INR_lakhsQ1 FY26-27
Other policies(size)0 count4951 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh1600 ₹ lakhQ4 FY25-26
Other premium(size)0 ₹ lakh4055 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others policies(size)0 count63020 countQ4 FY25-26
claims repudiation ratio0.34 %5.03 %FY24-25
claim settlement ratio85.5 %82.1 %FY24-25
earnings per share(size)-0.20 ₹0.59 ₹Q1 FY22-23 / Q4 FY25-26
debt to equity ratio1.48 ×0.07 ×Q1 FY22-23 / Q4 FY25-26
net NPA ratio0.00 %0.01 %Q1 FY22-23 / Q4 FY25-26
gross NPA ratio1.93 %0.06 %Q1 FY22-23 / Q4 FY25-26
book value per share(size)1.10 ₹40.92 ₹Q1 FY22-23 / Q4 FY25-26

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

Individual profiles

Oriental Insurance Company
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Royal Sundaram General Insurance
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