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Oriental Insurance Company vs Shriram General Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanyShriram General InsurancePeriod
fire incurred claims ratio95.6 %58.6 %Q1 FY26-27
gross npa (amount)30410 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count631 countQ1 FY26-27
net worth growth rate(size)11532.0 %7.3 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×39.87 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh4253 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs458529 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh850 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count313126 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh4860 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count108 countQ1 FY26-27
profit after tax(size)-340 ₹ crore131 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2015 ₹ lakh623 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %98.4 %Q1 FY26-27
aviation combined ratio162.7 %0.0 %Q1 FY26-27
net retention ratio(size)6974.0 %84.0 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %38.6 %Q1 FY26-27
infrastructure & housing(size)508049 INR_lakhs502514 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh1969 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %22.9 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
motor od combined ratio141.4 %134.8 %Q1 FY26-27
motor OD segment premium(size)28024 ₹ lakh29251 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %208.4 %Q1 FY26-27
net earning ratio-767.0 %12.3 %Q1 FY26-27
gross written premium(size)11858 ₹ crore1180 ₹ croreQ1 FY26-27
other segment premium(size)12943 ₹ lakh1141 ₹ lakhQ1 FY26-27
equity & preference shares(size)729157 INR_lakhs151575 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %7.26 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh218 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh34718 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %34.9 %Q1 FY26-27
other approved securities(size)164 INR_lakhs5503 INR_lakhsQ1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh177 ₹ lakhQ1 FY26-27
personal accident combined ratio88.2 %41.6 %Q1 FY26-27
motor tp combined ratio198.5 %98.7 %Q1 FY26-27
Insurance Marketing Firm policies(size)90 count1251 countQ1 FY26-27
travel combined ratio0.0 %45.9 %Q1 FY26-27
available solvency margin(size)-998362 ₹ lakh271557 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh350 ₹ lakhQ1 FY26-27
return on net worth4.2 %4.4 %Q1 FY26-27
net yield (quarterly)5.82 %5.43 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh92 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %148.8 %Q1 FY26-27
liability incurred claims ratio19.7 %30.4 %Q1 FY26-27
MISP (Direct) policies(size)82951 count30316 countQ1 FY26-27
workmen's compensation combined ratio91.0 %61.7 %Q1 FY26-27
technical reserves to premium ratio(size)6.9 %1079.9 %Q1 FY26-27
liquid assets to liabilities ratio0.1 %4.2 %Q1 FY26-27
health combined ratio109.6 %96.6 %Q1 FY26-27
health segment premium(size)220179 ₹ lakh1266 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %37.1 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh46028 ₹ lakhQ1 FY26-27
aviation segment premium(size)3844 ₹ lakh0 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %5.2 %Q1 FY26-27
underwriting balance ratio-19.0 %-6.1 %Q1 FY26-27
liability combined ratio41.6 %358.1 %Q1 FY26-27
required solvency margin(size)587764 ₹ lakh89841 ₹ lakhQ1 FY26-27
net commission ratio(size)766.0 %25.6 %Q1 FY26-27
crop insurance segment premium(size)34 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering combined ratio74.9 %233.1 %Q1 FY26-27
motor TP segment premium(size)61082 ₹ lakh78711 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count58733 countQ1 FY26-27
expense ratio to gross premium15.5 %33.7 %Q1 FY26-27
solvency ratio-1.70 ×3.02 ×Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh17 ₹ 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 count13162 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh11 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count660339 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count723601 countQ1 FY26-27
central govt. securities(size)24.1 %25.6 %Q1 FY26-27
marine hull incurred claims ratio70.7 %0.0 %Q1 FY26-27
crop combined ratio233.8 %0.0 %Q1 FY26-27
real estate & subsidiaries(size)5 INR_lakhs18266 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio168.5 %58.7 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio0.0 %1.7 %Q1 FY26-27
health incurred claims ratio95.5 %94.5 %Q1 FY26-27
marine cargo incurred claims ratio61.8 %100.3 %Q1 FY26-27
marine hull segment premium(size)8707 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio10011.0 %68.7 %Q1 FY26-27
combined ratio11916.0 %104.7 %Q1 FY26-27
fire combined ratio145.6 %150.7 %Q1 FY26-27
aviation incurred claims ratio135.6 %0.0 %Q1 FY26-27
govt + approved securities(size)56.5 %30.3 %Q1 FY26-27
Micro Agents premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio179.0 %0.0 %Q1 FY26-27
liability segment premium(size)2838 ₹ lakh145 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %0.0 %Q1 FY26-27
expense ratio19.1 %37.4 %Q1 FY26-27
operating profit ratio-760.0 %17.2 %Q1 FY26-27
profit before tax(size)-340 ₹ crore174 ₹ croreQ1 FY26-27
gross npa ratio1.50 %0.00 %Q1 FY26-27
Brokers premium(size)389890 ₹ lakh29449 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs319808 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %15.8 %Q1 FY26-27
other investments(size)68227 INR_lakhs1078 INR_lakhsQ1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
claims repudiation ratio0.34 %3.53 %FY24-25
claim settlement ratio85.5 %71.8 %FY24-25
earnings per share(size)-0.20 ₹5.06 ₹Q1 FY22-23 / Q1 FY26-27
book value per share(size)1.10 ₹114.19 ₹Q1 FY22-23 / Q1 FY26-27

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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Shriram General Insurance
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