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Reliance General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricReliance General InsuranceUnited India InsurancePeriod
Web Aggregators policies(size)7713 count722317 countQ1 FY26-27
equity & preference shares(size)99920 INR_lakhs805380 INR_lakhsQ1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio76.2 %43.4 %Q1 FY26-27 / Q4 FY25-26
liability segment premium(size)2398 ₹ lakh8837 ₹ lakhQ1 FY26-27
gross NPA ratio0.00 %1.00 %Q1 FY26-27 / Q4 FY25-26
marine hull incurred claims ratio120.0 %21.2 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)146864 count4495 countQ1 FY26-27
Direct Business – Online premium(size)961 ₹ lakh663 ₹ lakhQ1 FY26-27
profit before tax(size)1 ₹ crore-809 ₹ croreQ1 FY26-27
marine cargo combined ratio160.4 %108.4 %Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm premium(size)667 ₹ lakh600 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Insurance Marketing Firm policies(size)23775 count7461 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh9383 ₹ lakhQ1 FY26-27
fire incurred claims ratio102.0 %107.6 %Q1 FY26-27 / Q4 FY25-26
debentures & bonds(size)1050493 INR_lakhs233920 INR_lakhsQ1 FY26-27
motor TP segment premium(size)45046 ₹ lakh187028 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)324934 INR_lakhs763969 INR_lakhsQ1 FY26-27
marine hull segment premium(size)10 ₹ lakh5184 ₹ lakhQ1 FY26-27
personal accident segment premium(size)5532 ₹ lakh7681 ₹ lakhQ1 FY26-27
motor tp combined ratio173.6 %157.7 %Q1 FY26-27 / Q4 FY25-26
engineering combined ratio93.6 %97.9 %Q1 FY26-27 / Q4 FY25-26
marine hull combined ratio128.5 %70.3 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio105.3 %176.5 %Q1 FY26-27 / Q4 FY25-26
net NPA ratio0.00 %0.00 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) policies(size)205506 count87834 countQ1 FY26-27
real estate & subsidiaries(size)16942 INR_lakhs0 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)10600 ₹ lakh1598 ₹ lakhQ1 FY26-27
underwriting balance ratio-0.3 %-34.6 %Q1 FY26-27
mutual funds(size)2971 INR_lakhs145809 INR_lakhsQ1 FY26-27
other approved securities(size)267515 INR_lakhs0 INR_lakhsQ1 FY26-27
net commission ratio(size)17.6 %18.3 %Q1 FY26-27
technical reserves to premium ratio(size)9.1 %9.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)5913 count1 countQ1 FY26-27
Brokers premium(size)174099 ₹ lakh226344 ₹ lakhQ1 FY26-27
central govt. securities(size)28.0 %23.1 %Q1 FY26-27
motor od combined ratio141.2 %143.8 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio133.4 %68.7 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) premium(size)2306 ₹ lakh612 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)599 ₹ lakh1922 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)68355 count87890 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)63520 ₹ lakh104025 ₹ lakhQ1 FY26-27
aviation segment premium(size)50 ₹ lakh542 ₹ lakhQ1 FY26-27
required solvency margin(size)219547 ₹ lakh588214 ₹ lakhQ1 FY26-27
health segment premium(size)110935 ₹ lakh206119 ₹ lakhQ1 FY26-27
expense ratio to gross premium29.0 %27.3 %Q1 FY26-27
Corporate Agents – Banks policies(size)132648 count34735 countQ1 FY26-27
liability combined ratio149.5 %96.5 %Q1 FY26-27 / Q4 FY25-26
aviation incurred claims ratio-131.4 %1790.1 %Q1 FY26-27 / Q4 FY25-26
net yield (quarterly)7.61 %5.92 %Q1 FY26-27
personal accident incurred claims ratio55.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
liability incurred claims ratio105.5 %42.2 %Q1 FY26-27 / Q4 FY25-26
other investments(size)99267 INR_lakhs73696 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)9695 ₹ lakh5345 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)70 ₹ lakh18079 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)10089 ₹ lakh980 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)0 count406 countQ1 FY26-27
fire segment premium(size)42132 ₹ lakh61685 ₹ lakhQ1 FY26-27
engineering segment premium(size)13739 ₹ lakh12861 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)74 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio106.9 %105.4 %Q1 FY26-27 / Q4 FY25-26
incurred claims ratio88.2 %103.6 %Q1 FY26-27
Corporate Agents – Others policies(size)116834 count50625 countQ1 FY26-27
net earning ratio0.0 %-15.3 %Q1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)25.0 %19.6 %Q1 FY26-27
health combined ratio106.0 %132.0 %Q1 FY26-27 / Q4 FY25-26
available solvency margin(size)384372 ₹ lakh-874629 ₹ lakhQ1 FY26-27
solvency ratio1.75 ×-1.49 ×Q1 FY26-27
gross direct premium to net worth ratio(size)75.00 ×-80.00 ×Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
expense ratio33.1 %35.5 %Q1 FY26-27
Direct Business – Online policies(size)13266 count4630 countQ1 FY26-27
book value per share(size)141.58 ₹-15.98 ₹Q1 FY26-27 / Q4 FY25-26
profit after tax(size)1 ₹ crore-809 ₹ croreQ1 FY26-27
government securities(size)544642 INR_lakhs1624959 INR_lakhsQ1 FY26-27
gross yield (quarterly)7.63 %8.97 %Q1 FY26-27
personal accident combined ratio75.3 %151.3 %Q1 FY26-27 / Q4 FY25-26
gross npa (amount)0 INR_lakhs33495 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.0 %49.1 %Q1 FY26-27
operating profit ratio-3.7 %-17.3 %Q1 FY26-27
marine cargo segment premium(size)6348 ₹ lakh6765 ₹ lakhQ1 FY26-27
motor OD segment premium(size)46620 ₹ lakh47468 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-12.2 %-27.0 %Q1 FY26-27
net worth growth rate(size)0.0 %0.0 %Q1 FY26-27
investment income ratio1.9 %8.9 %Q1 FY26-27
aviation combined ratio-120.9 %2328.7 %Q1 FY26-27 / Q4 FY25-26
Individual Agents premium(size)23430 ₹ lakh186927 ₹ lakhQ1 FY26-27
travel segment premium(size)4266 ₹ lakh116 ₹ lakhQ1 FY26-27
Brokers policies(size)1417761 count1143981 countQ1 FY26-27
crop incurred claims ratio39.1 %63.6 %Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio72.0 %98.5 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation combined ratio293.2 %64.8 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation incurred claims ratio268.4 %19.1 %Q1 FY26-27 / Q4 FY25-26
Other policies(size)0 count131 countQ1 FY26-27 / Q4 FY25-26
Individual Agents policies(size)164737 count2597447 countQ1 FY26-27
crop combined ratio67.5 %83.2 %Q1 FY26-27 / Q4 FY25-26
combined ratio121.2 %139.1 %Q1 FY26-27
crop insurance segment premium(size)14565 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio90.2 %103.9 %Q1 FY26-27 / Q4 FY25-26
net retention ratio(size)62.1 %71.9 %Q1 FY26-27
gross written premium(size)12237 ₹ crore20072 ₹ croreQ4 FY25-26 / FY25-03
net yield (annualized)7.93 %6.83 %Q4 FY25-26 / FY25-26
gross yield (annualized)7.94 %10.35 %Q4 FY25-26 / FY25-26
claim settlement ratio90.4 %84.9 %FY24-25
claims repudiation ratio2.11 %3.96 %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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United India Insurance
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