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Oriental Insurance Company vs SBI General Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanySBI General InsurancePeriod
fire incurred claims ratio95.6 %75.2 %Q1 FY26-27
gross npa (amount)30410 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count32151 countQ1 FY26-27
net worth growth rate(size)11532.0 %3.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×66.00 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh44161 ₹ lakhQ1 FY26-27
Direct Business – Online premium(size)0 ₹ lakh763 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs924625 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh9363 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count1303324 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh10951 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count56 countQ1 FY26-27
profit after tax(size)-340 ₹ crore166 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh43 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2015 ₹ lakh0 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %83.9 %Q1 FY26-27
aviation combined ratio162.7 %100.0 %Q1 FY26-27
net retention ratio(size)6974.0 %68.3 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %64.7 %Q1 FY26-27
infrastructure & housing(size)508049 INR_lakhs682117 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh37470 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %10.8 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Direct Business – Online policies(size)0 count10957 countQ1 FY26-27
motor od combined ratio141.4 %149.6 %Q1 FY26-27
motor OD segment premium(size)28024 ₹ lakh56299 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %196.8 %Q1 FY26-27
net earning ratio-767.0 %0.9 %Q1 FY26-27 / Q4 FY25-26
gross written premium(size)11858 ₹ crore13890 ₹ croreQ1 FY26-27 / FY25-03
equity & preference shares(size)729157 INR_lakhs239219 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %2.03 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh4005 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh2765 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %27.2 %Q1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh314 ₹ lakhQ1 FY26-27
mutual funds(size)31097 INR_lakhs55605 INR_lakhsQ1 FY26-27 / Q3 FY25-26
personal accident combined ratio88.2 %57.4 %Q1 FY26-27
motor tp combined ratio198.5 %146.8 %Q1 FY26-27
Insurance Marketing Firm policies(size)90 count1640 countQ1 FY26-27
Direct Business – Officers/Employees policies(size)5203 count0 countQ1 FY26-27
travel combined ratio0.0 %103.9 %Q1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh85651 ₹ lakhQ1 FY26-27
net yield (quarterly)5.82 %1.52 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh337 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %80.1 %Q1 FY26-27
liability incurred claims ratio19.7 %89.7 %Q1 FY26-27
MISP (Direct) policies(size)82951 count0 countQ1 FY26-27
workmen's compensation combined ratio91.0 %101.6 %Q1 FY26-27
technical reserves to premium ratio(size)6.9 %6.7 %Q1 FY26-27
health combined ratio109.6 %111.6 %Q1 FY26-27
health segment premium(size)220179 ₹ lakh126312 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %64.9 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh10883 ₹ lakhQ1 FY26-27
aviation segment premium(size)3844 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
claims paid to provisioned ratio(size)13.6 %14.6 %Q1 FY26-27
underwriting balance ratio-19.0 %-10.0 %Q1 FY26-27
liability combined ratio41.6 %112.2 %Q1 FY26-27
net commission ratio(size)766.0 %15.6 %Q1 FY26-27
crop insurance segment premium(size)34 ₹ lakh799 ₹ lakhQ1 FY26-27
engineering combined ratio74.9 %84.6 %Q1 FY26-27
motor TP segment premium(size)61082 ₹ lakh62025 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count54927 countQ1 FY26-27
expense ratio to gross premium15.5 %28.6 %Q1 FY26-27
solvency ratio-1.70 ×2.00 ×Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh9 ₹ 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 count624380 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh828 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count95763 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count19211 countQ1 FY26-27
central govt. securities(size)24.1 %22.4 %Q1 FY26-27
marine hull incurred claims ratio70.7 %0.0 %Q1 FY26-27 / Q4 FY25-26
crop combined ratio233.8 %722.8 %Q1 FY26-27
real estate & subsidiaries(size)5 INR_lakhs34231 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio168.5 %88.2 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio0.0 %2.2 %Q1 FY26-27
health incurred claims ratio95.5 %88.2 %Q1 FY26-27
marine cargo incurred claims ratio61.8 %175.2 %Q1 FY26-27
incurred claims ratio10011.0 %79.2 %Q1 FY26-27
combined ratio11916.0 %111.5 %Q1 FY26-27
fire combined ratio145.6 %276.7 %Q1 FY26-27
aviation incurred claims ratio135.6 %100.0 %Q1 FY26-27
govt + approved securities(size)56.5 %37.0 %Q1 FY26-27
Micro Agents premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio179.0 %-21.7 %Q1 FY26-27
liability segment premium(size)2838 ₹ lakh4029 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
expense ratio19.1 %32.3 %Q1 FY26-27
operating profit ratio-760.0 %5.5 %Q1 FY26-27
profit before tax(size)-340 ₹ crore222 ₹ croreQ1 FY26-27
gross npa ratio1.50 %0.00 %Q1 FY26-27
Brokers premium(size)389890 ₹ lakh208297 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)1172 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs527301 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %42.9 %Q1 FY26-27
other investments(size)68227 INR_lakhs90428 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh30144 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others policies(size)0 count82246 countQ4 FY25-26 / Q1 FY26-27
claims repudiation ratio0.34 %1.40 %FY24-25
claim settlement ratio85.5 %77.7 %FY24-25 / Q4 FY25-26
earnings per share(size)-0.20 ₹1.36 ₹Q1 FY22-23 / Q4 FY25-26
debt to equity ratio1.48 ×0.14 ×Q1 FY22-23 / Q4 FY25-26
book value per share(size)1.10 ₹231.56 ₹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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SBI General Insurance
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