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Reliance General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricReliance General InsuranceZuno General InsurancePeriod
travel combined ratio117.6 %260.0 %Q1 FY26-27
Web Aggregators policies(size)7713 count26 countQ1 FY26-27
equity & preference shares(size)99920 INR_lakhs4406 INR_lakhsQ1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering incurred claims ratio76.2 %471.0 %Q1 FY26-27
liability segment premium(size)2398 ₹ lakh91 ₹ lakhQ1 FY26-27
gross NPA ratio0.00 %0.00 %Q1 FY26-27
MISP (Direct) policies(size)146864 count1970 countQ1 FY26-27
profit before tax(size)1 ₹ crore-4 ₹ croreQ1 FY26-27
marine cargo combined ratio160.4 %936.0 %Q1 FY26-27
other segment premium(size)3269 ₹ lakh2472 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)667 ₹ lakh64 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Insurance Marketing Firm policies(size)23775 count416 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
fire incurred claims ratio102.0 %-46.0 %Q1 FY26-27
debentures & bonds(size)1050493 INR_lakhs35131 INR_lakhsQ1 FY26-27
motor TP segment premium(size)45046 ₹ lakh10171 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)324934 INR_lakhs52190 INR_lakhsQ1 FY26-27
marine hull segment premium(size)10 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident segment premium(size)5532 ₹ lakh2430 ₹ lakhQ1 FY26-27
motor tp combined ratio173.6 %89.0 %Q1 FY26-27
engineering combined ratio93.6 %-308.0 %Q1 FY26-27
fire combined ratio105.3 %-38.0 %Q1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)205506 count9545 countQ1 FY26-27
real estate & subsidiaries(size)16942 INR_lakhs4636 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)10600 ₹ lakh3306 ₹ lakhQ1 FY26-27
underwriting balance ratio-0.3 %-0.2 %Q1 FY26-27
mutual funds(size)2971 INR_lakhs7230 INR_lakhsQ1 FY26-27
other approved securities(size)267515 INR_lakhs15995 INR_lakhsQ1 FY26-27
net commission ratio(size)17.6 %10.0 %Q1 FY26-27
technical reserves to premium ratio(size)9.1 %6.3 %Q1 FY26-27
Common Service Centres (CSC) policies(size)5913 count0 countQ1 FY26-27
Brokers premium(size)174099 ₹ lakh34463 ₹ lakhQ1 FY26-27
central govt. securities(size)28.0 %23.0 %Q1 FY26-27
motor od combined ratio141.2 %133.0 %Q1 FY26-27
marine cargo incurred claims ratio133.4 %903.0 %Q1 FY26-27
MISP (Direct) premium(size)2306 ₹ lakh431 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)599 ₹ lakh1 ₹ lakhQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
aviation segment premium(size)50 ₹ lakh0 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.8 %57.0 %Q1 FY26-27
health segment premium(size)110935 ₹ lakh12044 ₹ lakhQ1 FY26-27
expense ratio to gross premium29.0 %31.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)132648 count3 countQ1 FY26-27
liability combined ratio149.5 %77.0 %Q1 FY26-27
net yield (quarterly)7.61 %2.05 %Q1 FY26-27
personal accident incurred claims ratio55.0 %96.0 %Q1 FY26-27
liability incurred claims ratio105.5 %55.0 %Q1 FY26-27
other investments(size)99267 INR_lakhs20794 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)9695 ₹ lakh1065 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)70 ₹ lakh2 ₹ lakhQ1 FY26-27
travel incurred claims ratio32.4 %199.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)10089 ₹ lakh-2 ₹ lakhQ1 FY26-27
fire segment premium(size)42132 ₹ lakh1482 ₹ lakhQ1 FY26-27
engineering segment premium(size)13739 ₹ lakh121 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)74 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio106.9 %53.0 %Q1 FY26-27
incurred claims ratio88.2 %81.0 %Q1 FY26-27
Corporate Agents – Others policies(size)116834 count4637 countQ1 FY26-27
net earning ratio0.0 %-2.0 %Q1 FY26-27
housing & infrastructure(size)25.0 %26.0 %Q1 FY26-27
health combined ratio106.0 %126.0 %Q1 FY26-27
solvency ratio1.75 ×1.64 ×Q1 FY26-27
gross direct premium to net worth ratio(size)75.00 ×98.00 ×Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
expense ratio33.1 %34.0 %Q1 FY26-27
profit after tax(size)1 ₹ crore-4 ₹ croreQ1 FY26-27
government securities(size)544642 INR_lakhs41239 INR_lakhsQ1 FY26-27
gross yield (quarterly)7.63 %2.05 %Q1 FY26-27
personal accident combined ratio75.3 %124.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.0 %31.0 %Q1 FY26-27
operating profit ratio-3.7 %-3.0 %Q1 FY26-27
marine cargo segment premium(size)6348 ₹ lakh104 ₹ lakhQ1 FY26-27
motor OD segment premium(size)46620 ₹ lakh11217 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-12.2 %62.0 %Q1 FY26-27
net worth growth rate(size)0.0 %13.0 %Q1 FY26-27
investment income ratio1.9 %2.1 %Q1 FY26-27
Individual Agents premium(size)23430 ₹ lakh339 ₹ lakhQ1 FY26-27
travel segment premium(size)4266 ₹ lakh40 ₹ lakhQ1 FY26-27
Brokers policies(size)1417761 count221205 countQ1 FY26-27
motor od incurred claims ratio72.0 %80.0 %Q1 FY26-27
workmen's compensation combined ratio293.2 %93.0 %Q1 FY26-27
workmen's compensation incurred claims ratio268.4 %56.0 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
Individual Agents policies(size)164737 count2652 countQ1 FY26-27
combined ratio121.2 %115.0 %Q1 FY26-27
crop insurance segment premium(size)14565 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio90.2 %99.0 %Q1 FY26-27
net retention ratio(size)62.1 %57.0 %Q1 FY26-27
gross written premium(size)12237 ₹ crore402 ₹ croreQ4 FY25-26 / Q1 FY26-27
net yield (annualized)7.93 %8.42 %Q4 FY25-26 / FY25-26
gross yield (annualized)7.94 %8.42 %Q4 FY25-26 / FY25-26
claim settlement ratio90.4 %70.9 %FY24-25 / Q1 FY26-27
claims repudiation ratio2.11 %7.59 %FY24-25

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

Individual profiles

Reliance General Insurance
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Zuno General Insurance
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