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Reliance General Insurance vs SBI General Insurance: IRDAI Data Comparison

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

MetricReliance General InsuranceSBI General InsurancePeriod
travel combined ratio117.6 %103.9 %Q1 FY26-27
Web Aggregators policies(size)7713 count56 countQ1 FY26-27
equity & preference shares(size)99920 INR_lakhs239219 INR_lakhsQ1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering incurred claims ratio76.2 %80.1 %Q1 FY26-27
liability segment premium(size)2398 ₹ lakh4029 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio120.0 %0.0 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)146864 count0 countQ1 FY26-27
Direct Business – Online premium(size)961 ₹ lakh763 ₹ lakhQ1 FY26-27
profit before tax(size)1 ₹ crore222 ₹ croreQ1 FY26-27
marine cargo combined ratio160.4 %196.8 %Q1 FY26-27
Insurance Marketing Firm premium(size)667 ₹ lakh337 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Insurance Marketing Firm policies(size)23775 count1640 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
fire incurred claims ratio102.0 %75.2 %Q1 FY26-27
debentures & bonds(size)1050493 INR_lakhs527301 INR_lakhsQ1 FY26-27
motor TP segment premium(size)45046 ₹ lakh62025 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)324934 INR_lakhs682117 INR_lakhsQ1 FY26-27
personal accident segment premium(size)5532 ₹ lakh44161 ₹ lakhQ1 FY26-27
motor tp combined ratio173.6 %146.8 %Q1 FY26-27
engineering combined ratio93.6 %84.6 %Q1 FY26-27
marine hull combined ratio128.5 %0.0 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio105.3 %276.7 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)205506 count95763 countQ1 FY26-27
real estate & subsidiaries(size)16942 INR_lakhs34231 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)10600 ₹ lakh2765 ₹ lakhQ1 FY26-27
underwriting balance ratio-0.3 %-10.0 %Q1 FY26-27
mutual funds(size)2971 INR_lakhs55605 INR_lakhsQ1 FY26-27 / Q3 FY25-26
net commission ratio(size)17.6 %15.6 %Q1 FY26-27
technical reserves to premium ratio(size)9.1 %6.7 %Q1 FY26-27
Common Service Centres (CSC) policies(size)5913 count32151 countQ1 FY26-27
Brokers premium(size)174099 ₹ lakh208297 ₹ lakhQ1 FY26-27
central govt. securities(size)28.0 %22.4 %Q1 FY26-27
motor od combined ratio141.2 %149.6 %Q1 FY26-27
marine cargo incurred claims ratio133.4 %175.2 %Q1 FY26-27
MISP (Direct) premium(size)2306 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)599 ₹ lakh314 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)68355 count82246 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)63520 ₹ lakh30144 ₹ lakhQ1 FY26-27
aviation segment premium(size)50 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
claims paid to provisioned ratio(size)7.8 %14.6 %Q1 FY26-27
health segment premium(size)110935 ₹ lakh126312 ₹ lakhQ1 FY26-27
expense ratio to gross premium29.0 %28.6 %Q1 FY26-27
Corporate Agents – Banks policies(size)132648 count624380 countQ1 FY26-27
liability combined ratio149.5 %112.2 %Q1 FY26-27
aviation incurred claims ratio-131.4 %100.0 %Q1 FY26-27
net yield (quarterly)7.61 %1.52 %Q1 FY26-27
personal accident incurred claims ratio55.0 %42.9 %Q1 FY26-27
liability incurred claims ratio105.5 %89.7 %Q1 FY26-27
other investments(size)99267 INR_lakhs90428 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)9695 ₹ lakh10883 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)70 ₹ lakh9 ₹ lakhQ1 FY26-27
travel incurred claims ratio32.4 %64.9 %Q1 FY26-27
Corporate Agents – Banks premium(size)10089 ₹ lakh85651 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)0 count0 countQ1 FY26-27
fire segment premium(size)42132 ₹ lakh37470 ₹ lakhQ1 FY26-27
engineering segment premium(size)13739 ₹ lakh9363 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)74 ₹ lakh828 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio106.9 %88.2 %Q1 FY26-27
incurred claims ratio88.2 %79.2 %Q1 FY26-27
Corporate Agents – Others policies(size)116834 count19211 countQ1 FY26-27
net earning ratio0.0 %0.9 %Q1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)25.0 %27.2 %Q1 FY26-27
health combined ratio106.0 %111.6 %Q1 FY26-27
solvency ratio1.75 ×2.00 ×Q1 FY26-27
gross direct premium to net worth ratio(size)75.00 ×66.00 ×Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
expense ratio33.1 %32.3 %Q1 FY26-27
Direct Business – Online policies(size)13266 count10957 countQ1 FY26-27
book value per share(size)141.58 ₹231.56 ₹Q1 FY26-27 / Q4 FY25-26
profit after tax(size)1 ₹ crore166 ₹ croreQ1 FY26-27
government securities(size)544642 INR_lakhs924625 INR_lakhsQ1 FY26-27
gross yield (quarterly)7.63 %2.03 %Q1 FY26-27
personal accident combined ratio75.3 %57.4 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.0 %37.0 %Q1 FY26-27
operating profit ratio-3.7 %5.5 %Q1 FY26-27
marine cargo segment premium(size)6348 ₹ lakh4005 ₹ lakhQ1 FY26-27
motor OD segment premium(size)46620 ₹ lakh56299 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-12.2 %10.8 %Q1 FY26-27
net worth growth rate(size)0.0 %3.2 %Q1 FY26-27
investment income ratio1.9 %2.2 %Q1 FY26-27
aviation combined ratio-120.9 %100.0 %Q1 FY26-27
Individual Agents premium(size)23430 ₹ lakh10951 ₹ lakhQ1 FY26-27
travel segment premium(size)4266 ₹ lakh43 ₹ lakhQ1 FY26-27
Brokers policies(size)1417761 count1303324 countQ1 FY26-27
crop incurred claims ratio39.1 %-21.7 %Q1 FY26-27
motor od incurred claims ratio72.0 %83.9 %Q1 FY26-27
workmen's compensation combined ratio293.2 %101.6 %Q1 FY26-27
workmen's compensation incurred claims ratio268.4 %64.7 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Individual Agents policies(size)164737 count54927 countQ1 FY26-27
crop combined ratio67.5 %722.8 %Q1 FY26-27
combined ratio121.2 %111.5 %Q1 FY26-27
crop insurance segment premium(size)14565 ₹ lakh799 ₹ lakhQ1 FY26-27
debt to equity ratio0.33 ×0.14 ×Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio90.2 %88.2 %Q1 FY26-27
net retention ratio(size)62.1 %68.3 %Q1 FY26-27
gross written premium(size)12237 ₹ crore13890 ₹ croreQ4 FY25-26 / FY25-03
net yield (annualized)7.93 %6.02 %Q4 FY25-26 / FY25-26
gross yield (annualized)7.94 %8.04 %Q4 FY25-26 / FY25-26
claim settlement ratio90.4 %77.7 %FY24-25 / Q4 FY25-26
claims repudiation ratio2.11 %1.40 %FY24-25

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

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Reliance General Insurance
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