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Raheja QBE General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison

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

MetricRaheja QBE General InsuranceRoyal Sundaram General InsurancePeriod
government securities(size)34374 INR_lakhs316446 INR_lakhsQ1 FY26-27
engineering incurred claims ratio-2398.0 %147.4 %Q1 FY26-27
MISP (Direct) policies(size)2 count1660 countQ1 FY26-27
gross direct premium growth rate(size)30.8 %10.8 %Q1 FY26-27
gross npa (amount)0 INR_lakhs571 INR_lakhsQ1 FY26-27
fire segment premium(size)166 ₹ lakh10449 ₹ lakhQ1 FY26-27
net yield (quarterly)5.24 %2.46 %Q1 FY26-27
personal accident incurred claims ratio-29.0 %70.5 %Q1 FY26-27
workmen's compensation incurred claims ratio70.0 %136.0 %Q1 FY26-27
health combined ratio105.0 %112.2 %Q1 FY26-27
profit after tax(size)20 ₹ crore27 ₹ croreQ1 FY26-27
Brokers policies(size)17790 count290309 countQ1 FY26-27
investment income ratio1.8 %2.4 %Q1 FY26-27
net retention ratio(size)57.3 %81.0 %Q1 FY26-27
personal accident segment premium(size)-1 ₹ lakh2622 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh210 ₹ lakhQ1 FY26-27
marine cargo combined ratio0.0 %125.3 %Q1 FY26-27
gross yield (quarterly)7.08 %2.46 %Q1 FY26-27
required solvency margin(size)14384 ₹ lakh89975 ₹ lakhQ1 FY26-27
fire combined ratio379.0 %110.0 %Q1 FY26-27
technical reserves to premium ratio(size)19.6 %7.6 %Q1 FY26-27
motor od incurred claims ratio81.0 %84.2 %Q1 FY26-27
combined ratio121.7 %116.3 %Q1 FY26-27
personal accident combined ratio-24.0 %117.8 %Q1 FY26-27
engineering segment premium(size)57 ₹ lakh2550 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)204 ₹ lakh1600 ₹ lakhQ1 FY26-27 / Q4 FY25-26
health incurred claims ratio77.0 %100.2 %Q1 FY26-27
gross npa ratio0.00 %0.06 %Q1 FY26-27
travel combined ratio0.0 %72.0 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)1 count0 countQ1 FY26-27
expense ratio53.7 %30.3 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
liability incurred claims ratio28.0 %25.8 %Q1 FY26-27
net commission ratio(size)24.2 %19.3 %Q1 FY26-27
profit before tax(size)20 ₹ crore37 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)18.00 ×69.00 ×Q1 FY26-27
available solvency margin(size)28503 ₹ lakh184006 ₹ lakhQ1 FY26-27
incurred claims ratio68.0 %86.0 %Q1 FY26-27
central govt. securities(size)33.7 %21.8 %Q1 FY26-27
workmen's compensation segment premium(size)184 ₹ lakh456 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)640 count61893 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count4219 countQ1 FY26-27
Brokers premium(size)5426 ₹ lakh92437 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)0 count8526 countQ1 FY26-27
liability combined ratio80.0 %71.1 %Q1 FY26-27
expense ratio to gross premium38.6 %28.7 %Q1 FY26-27
liability segment premium(size)1963 ₹ lakh550 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)48 count63020 countQ1 FY26-27 / Q4 FY25-26
govt + approved securities(size)33.7 %32.0 %Q1 FY26-27
fire incurred claims ratio57.0 %65.2 %Q1 FY26-27
motor OD segment premium(size)923 ₹ lakh25303 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)18 count19250 countQ1 FY26-27
Individual Agents policies(size)14 count50754 countQ1 FY26-27
operating profit ratio28.3 %0.0 %Q1 FY26-27
infrastructure & housing(size)20785 INR_lakhs156865 INR_lakhsQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
motor tp combined ratio122.0 %115.5 %Q1 FY26-27
marine cargo incurred claims ratio0.0 %85.4 %Q1 FY26-27
claims paid to provisioned ratio(size)14.9 %9.6 %Q1 FY26-27
other investments(size)2340 INR_lakhs104613 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio110.0 %179.3 %Q1 FY26-27
net worth growth rate(size)9.5 %2.0 %Q1 FY26-27
housing & infrastructure(size)34.1 %30.8 %Q1 FY26-27
motor TP segment premium(size)1599 ₹ lakh40596 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %24.3 %Q1 FY26-27
underwriting balance ratio1.0 %-21.0 %Q1 FY26-27
Corporate Agents – Others premium(size)2 ₹ lakh6831 ₹ lakhQ1 FY26-27
debentures & bonds(size)40693 INR_lakhs329442 INR_lakhsQ1 FY26-27
health segment premium(size)452 ₹ lakh42686 ₹ lakhQ1 FY26-27
Individual Agents premium(size)32 ₹ lakh8787 ₹ lakhQ1 FY26-27
solvency ratio1.98 ×2.05 ×Q1 FY26-27
Web Aggregators policies(size)0 count21 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
motor od combined ratio143.0 %132.7 %Q1 FY26-27
Direct Business – Online premium(size)5 ₹ lakh1041 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio73.0 %80.4 %Q1 FY26-27
engineering combined ratio-1918.0 %229.0 %Q1 FY26-27
npa provision coverage0.0 %84.8 %Q1 FY26-27
Direct Business – Online policies(size)123 count8117 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)78 ₹ lakh13477 ₹ lakhQ1 FY26-27
book value per share(size)5.93 ₹40.92 ₹Q4 FY25-26
gross yield (annualized)6.95 %8.49 %FY25-26 / Q4 FY25-26
net yield (annualized)5.14 %8.49 %FY25-26 / Q4 FY25-26
Insurance Marketing Firm premium(size)0 ₹ lakh313 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio-33.4 %2.5 %Q4 FY25-26
earnings per share(size)-0.84 ₹0.59 ₹Q4 FY25-26
net NPA ratio0.00 %0.01 %Q4 FY25-26
marine cargo segment premium(size)0 ₹ lakh2622 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross NPA ratio0.00 %0.06 %Q4 FY25-26
claims repudiation ratio2.73 %5.03 %FY24-25
claim settlement ratio77.7 %82.1 %FY24-25
gross written premium(size)353 ₹ crore3763 ₹ croreFY24-25 / FY25-03

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

Individual profiles

Raheja QBE General Insurance
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Royal Sundaram General Insurance
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