Reliance General Insurance vs Royal Sundaram General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Reliance General Insurance | Royal Sundaram General Insurance | Period |
|---|---|---|---|
| travel combined ratio | 117.6 % | 72.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 7713 count | 21 count | Q1 FY26-27 |
| equity & preference shares(size) | 99920 INR_lakhs | 95946 INR_lakhs | Q1 FY26-27 |
| Other premium(size) | 0 ₹ lakh | 4055 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 76.2 % | 147.4 % | Q1 FY26-27 |
| liability segment premium(size) | 2398 ₹ lakh | 550 ₹ lakh | Q1 FY26-27 |
| gross NPA ratio | 0.00 % | 0.06 % | Q1 FY26-27 / Q4 FY25-26 |
| marine hull incurred claims ratio | 120.0 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| MISP (Direct) policies(size) | 146864 count | 1660 count | Q1 FY26-27 |
| Direct Business – Online premium(size) | 961 ₹ lakh | 1041 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 1 ₹ crore | 37 ₹ crore | Q1 FY26-27 |
| marine cargo combined ratio | 160.4 % | 125.3 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 667 ₹ lakh | 313 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 23775 count | 4219 count | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Direct Business – Officers/Employees premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 102.0 % | 65.2 % | Q1 FY26-27 |
| debentures & bonds(size) | 1050493 INR_lakhs | 329442 INR_lakhs | Q1 FY26-27 |
| motor TP segment premium(size) | 45046 ₹ lakh | 40596 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 84.8 % | Q1 FY26-27 |
| infrastructure & housing(size) | 324934 INR_lakhs | 156865 INR_lakhs | Q1 FY26-27 |
| marine hull segment premium(size) | 10 ₹ lakh | 3 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| personal accident segment premium(size) | 5532 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 173.6 % | 115.5 % | Q1 FY26-27 |
| engineering combined ratio | 93.6 % | 229.0 % | Q1 FY26-27 |
| marine hull combined ratio | 128.5 % | 0.0 % | Q1 FY26-27 / Q1 FY25-26 |
| fire combined ratio | 105.3 % | 110.0 % | Q1 FY26-27 |
| net NPA ratio | 0.00 % | 0.01 % | Q1 FY26-27 / Q4 FY25-26 |
| Point of Sales Person (Direct) policies(size) | 205506 count | 61893 count | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 10600 ₹ lakh | 6831 ₹ lakh | Q1 FY26-27 |
| underwriting balance ratio | -0.3 % | -21.0 % | Q1 FY26-27 |
| net commission ratio(size) | 17.6 % | 19.3 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.1 % | 7.6 % | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 5913 count | 0 count | Q1 FY26-27 |
| Brokers premium(size) | 174099 ₹ lakh | 92437 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 28.0 % | 21.8 % | Q1 FY26-27 |
| motor od combined ratio | 141.2 % | 132.7 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 133.4 % | 85.4 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 2306 ₹ lakh | 210 ₹ lakh | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 599 ₹ lakh | 456 ₹ lakh | Q1 FY26-27 |
| Direct Business – Others policies(size) | 68355 count | 63020 count | Q1 FY26-27 / Q4 FY25-26 |
| Direct Business – Others premium(size) | 63520 ₹ lakh | 1600 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| required solvency margin(size) | 219547 ₹ lakh | 89975 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.8 % | 9.6 % | Q1 FY26-27 |
| health segment premium(size) | 110935 ₹ lakh | 42686 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | 29.0 % | 28.7 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 132648 count | 8526 count | Q1 FY26-27 |
| liability combined ratio | 149.5 % | 71.1 % | Q1 FY26-27 |
| net yield (quarterly) | 7.61 % | 2.46 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 55.0 % | 70.5 % | Q1 FY26-27 |
| liability incurred claims ratio | 105.5 % | 25.8 % | Q1 FY26-27 |
| other investments(size) | 99267 INR_lakhs | 104613 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 9695 ₹ lakh | 13477 ₹ lakh | Q1 FY26-27 |
| Web Aggregators premium(size) | 70 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 32.4 % | 24.3 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 10089 ₹ lakh | 1366 ₹ lakh | Q1 FY26-27 |
| Direct Business – Officers/Employees policies(size) | 0 count | 0 count | Q1 FY26-27 |
| fire segment premium(size) | 42132 ₹ lakh | 10449 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 13739 ₹ lakh | 2550 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 74 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 106.9 % | 80.4 % | Q1 FY26-27 |
| incurred claims ratio | 88.2 % | 86.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 116834 count | 19250 count | Q1 FY26-27 |
| net earning ratio | 0.0 % | 2.5 % | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 25.0 % | 30.8 % | Q1 FY26-27 |
| health combined ratio | 106.0 % | 112.2 % | Q1 FY26-27 |
| available solvency margin(size) | 384372 ₹ lakh | 184006 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 1.75 × | 2.05 × | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 75.00 × | 69.00 × | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY26-27 |
| expense ratio | 33.1 % | 30.3 % | Q1 FY26-27 |
| Direct Business – Online policies(size) | 13266 count | 8117 count | Q1 FY26-27 |
| book value per share(size) | 141.58 ₹ | 40.92 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| profit after tax(size) | 1 ₹ crore | 27 ₹ crore | Q1 FY26-27 |
| government securities(size) | 544642 INR_lakhs | 316446 INR_lakhs | Q1 FY26-27 |
| gross yield (quarterly) | 7.63 % | 2.46 % | Q1 FY26-27 |
| personal accident combined ratio | 75.3 % | 117.8 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 571 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.0 % | 32.0 % | Q1 FY26-27 |
| operating profit ratio | -3.7 % | 0.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 6348 ₹ lakh | 2622 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 46620 ₹ lakh | 25303 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | -12.2 % | 10.8 % | Q1 FY26-27 |
| net worth growth rate(size) | 0.0 % | 2.0 % | Q1 FY26-27 |
| investment income ratio | 1.9 % | 2.4 % | Q1 FY26-27 |
| Individual Agents premium(size) | 23430 ₹ lakh | 8787 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 4266 ₹ lakh | 41 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 1417761 count | 290309 count | Q1 FY26-27 |
| motor od incurred claims ratio | 72.0 % | 84.2 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 293.2 % | 179.3 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 268.4 % | 136.0 % | Q1 FY26-27 |
| Other policies(size) | 0 count | 4951 count | Q1 FY26-27 |
| Individual Agents policies(size) | 164737 count | 50754 count | Q1 FY26-27 |
| combined ratio | 121.2 % | 116.3 % | Q1 FY26-27 |
| debt to equity ratio | 0.33 × | 0.07 × | Q1 FY26-27 / Q4 FY25-26 |
| health incurred claims ratio | 90.2 % | 100.2 % | Q1 FY26-27 |
| net retention ratio(size) | 62.1 % | 81.0 % | Q1 FY26-27 |
| gross written premium(size) | 12237 ₹ crore | 3763 ₹ crore | Q4 FY25-26 / FY25-03 |
| net yield (annualized) | 7.93 % | 8.49 % | Q4 FY25-26 |
| gross yield (annualized) | 7.94 % | 8.49 % | Q4 FY25-26 |
| claim settlement ratio | 90.4 % | 82.1 % | FY24-25 |
| claims repudiation ratio | 2.11 % | 5.03 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.