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Reliance General Insurance vs Shriram General Insurance: IRDAI Data Comparison

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

MetricReliance General InsuranceShriram General InsurancePeriod
travel combined ratio117.6 %45.9 %Q1 FY26-27
Web Aggregators policies(size)7713 count108 countQ1 FY26-27
equity & preference shares(size)99920 INR_lakhs151575 INR_lakhsQ1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering incurred claims ratio76.2 %148.8 %Q1 FY26-27
liability segment premium(size)2398 ₹ lakh145 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio120.0 %0.0 %Q1 FY26-27
MISP (Direct) policies(size)146864 count30316 countQ1 FY26-27
profit before tax(size)1 ₹ crore174 ₹ croreQ1 FY26-27
marine cargo combined ratio160.4 %208.4 %Q1 FY26-27
other segment premium(size)3269 ₹ lakh1141 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)667 ₹ lakh92 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Insurance Marketing Firm policies(size)23775 count1251 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
fire incurred claims ratio102.0 %58.6 %Q1 FY26-27
debentures & bonds(size)1050493 INR_lakhs319808 INR_lakhsQ1 FY26-27
motor TP segment premium(size)45046 ₹ lakh78711 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)324934 INR_lakhs502514 INR_lakhsQ1 FY26-27
marine hull segment premium(size)10 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident segment premium(size)5532 ₹ lakh4253 ₹ lakhQ1 FY26-27
motor tp combined ratio173.6 %98.7 %Q1 FY26-27
engineering combined ratio93.6 %233.1 %Q1 FY26-27
marine hull combined ratio128.5 %0.0 %Q1 FY26-27
fire combined ratio105.3 %150.7 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)205506 count660339 countQ1 FY26-27
real estate & subsidiaries(size)16942 INR_lakhs18266 INR_lakhsQ1 FY26-27
liquid assets to liabilities ratio0.2 %4.2 %Q1 FY26-27
Corporate Agents – Others premium(size)10600 ₹ lakh34718 ₹ lakhQ1 FY26-27
underwriting balance ratio-0.3 %-6.1 %Q1 FY26-27
other approved securities(size)267515 INR_lakhs5503 INR_lakhsQ1 FY26-27
net commission ratio(size)17.6 %25.6 %Q1 FY26-27
technical reserves to premium ratio(size)9.1 %1079.9 %Q1 FY26-27
Common Service Centres (CSC) policies(size)5913 count631 countQ1 FY26-27
Brokers premium(size)174099 ₹ lakh29449 ₹ lakhQ1 FY26-27
central govt. securities(size)28.0 %25.6 %Q1 FY26-27
motor od combined ratio141.2 %134.8 %Q1 FY26-27
marine cargo incurred claims ratio133.4 %100.3 %Q1 FY26-27
MISP (Direct) premium(size)2306 ₹ lakh623 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)599 ₹ lakh177 ₹ lakhQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
aviation segment premium(size)50 ₹ lakh0 ₹ lakhQ1 FY26-27
required solvency margin(size)219547 ₹ lakh89841 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.8 %5.2 %Q1 FY26-27
health segment premium(size)110935 ₹ lakh1266 ₹ lakhQ1 FY26-27
expense ratio to gross premium29.0 %33.7 %Q1 FY26-27
Corporate Agents – Banks policies(size)132648 count13162 countQ1 FY26-27
liability combined ratio149.5 %358.1 %Q1 FY26-27
aviation incurred claims ratio-131.4 %0.0 %Q1 FY26-27
net yield (quarterly)7.61 %5.43 %Q1 FY26-27
personal accident incurred claims ratio55.0 %15.8 %Q1 FY26-27
liability incurred claims ratio105.5 %30.4 %Q1 FY26-27
other investments(size)99267 INR_lakhs1078 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)9695 ₹ lakh46028 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)70 ₹ lakh17 ₹ lakhQ1 FY26-27
travel incurred claims ratio32.4 %37.1 %Q1 FY26-27
Corporate Agents – Banks premium(size)10089 ₹ lakh350 ₹ lakhQ1 FY26-27
fire segment premium(size)42132 ₹ lakh1969 ₹ lakhQ1 FY26-27
engineering segment premium(size)13739 ₹ lakh850 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)74 ₹ lakh11 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio106.9 %58.7 %Q1 FY26-27
incurred claims ratio88.2 %68.7 %Q1 FY26-27
return on net worth0.0 %4.4 %Q1 FY26-27
Corporate Agents – Others policies(size)116834 count723601 countQ1 FY26-27
net earning ratio0.0 %12.3 %Q1 FY26-27
housing & infrastructure(size)25.0 %34.9 %Q1 FY26-27
health combined ratio106.0 %96.6 %Q1 FY26-27
available solvency margin(size)384372 ₹ lakh271557 ₹ lakhQ1 FY26-27
solvency ratio1.75 ×3.02 ×Q1 FY26-27
gross direct premium to net worth ratio(size)75.00 ×39.87 ×Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
expense ratio33.1 %37.4 %Q1 FY26-27
book value per share(size)141.58 ₹114.19 ₹Q1 FY26-27
profit after tax(size)1 ₹ crore131 ₹ croreQ1 FY26-27
government securities(size)544642 INR_lakhs458529 INR_lakhsQ1 FY26-27
gross yield (quarterly)7.63 %7.26 %Q1 FY26-27
personal accident combined ratio75.3 %41.6 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.0 %30.3 %Q1 FY26-27
operating profit ratio-3.7 %17.2 %Q1 FY26-27
marine cargo segment premium(size)6348 ₹ lakh218 ₹ lakhQ1 FY26-27
motor OD segment premium(size)46620 ₹ lakh29251 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-12.2 %22.9 %Q1 FY26-27
net worth growth rate(size)0.0 %7.3 %Q1 FY26-27
investment income ratio1.9 %1.7 %Q1 FY26-27
aviation combined ratio-120.9 %0.0 %Q1 FY26-27
Individual Agents premium(size)23430 ₹ lakh4860 ₹ lakhQ1 FY26-27
travel segment premium(size)4266 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers policies(size)1417761 count313126 countQ1 FY26-27
crop incurred claims ratio39.1 %0.0 %Q1 FY26-27
motor od incurred claims ratio72.0 %98.4 %Q1 FY26-27
workmen's compensation combined ratio293.2 %61.7 %Q1 FY26-27
workmen's compensation incurred claims ratio268.4 %38.6 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Individual Agents policies(size)164737 count58733 countQ1 FY26-27
crop combined ratio67.5 %0.0 %Q1 FY26-27
combined ratio121.2 %104.7 %Q1 FY26-27
crop insurance segment premium(size)14565 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio90.2 %94.5 %Q1 FY26-27
net retention ratio(size)62.1 %84.0 %Q1 FY26-27
gross written premium(size)12237 ₹ crore1180 ₹ croreQ4 FY25-26 / Q1 FY26-27
net yield (annualized)7.93 %5.44 %Q4 FY25-26
gross yield (annualized)7.94 %7.27 %Q4 FY25-26
claim settlement ratio90.4 %71.8 %FY24-25
claims repudiation ratio2.11 %3.53 %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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Shriram General Insurance
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