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Royal Sundaram General Insurance vs SBI General Insurance: IRDAI Data Comparison

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

MetricRoyal Sundaram General InsuranceSBI General InsurancePeriod
Micro Agents policies(size)0 count0 countQ1 FY26-27
equity & preference shares(size)95946 INR_lakhs239219 INR_lakhsQ1 FY26-27
personal accident combined ratio117.8 %57.4 %Q1 FY26-27
Individual Agents premium(size)8787 ₹ lakh10951 ₹ lakhQ1 FY26-27
engineering incurred claims ratio147.4 %80.1 %Q1 FY26-27
gross direct premium to net worth ratio(size)69.00 ×66.00 ×Q1 FY26-27
gross yield (quarterly)2.46 %2.03 %Q1 FY26-27
motor tp combined ratio115.5 %146.8 %Q1 FY26-27
central govt. securities(size)21.8 %22.4 %Q1 FY26-27
health segment premium(size)42686 ₹ lakh126312 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)2622 ₹ lakh4005 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio179.3 %101.6 %Q1 FY26-27
motor od incurred claims ratio84.2 %83.9 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh828 ₹ lakhQ1 FY26-27
infrastructure & housing(size)156865 INR_lakhs682117 INR_lakhsQ1 FY26-27
fire incurred claims ratio65.2 %75.2 %Q1 FY26-27
investment income ratio2.4 %2.2 %Q1 FY26-27
fire segment premium(size)10449 ₹ lakh37470 ₹ lakhQ1 FY26-27
travel incurred claims ratio24.3 %64.9 %Q1 FY26-27
Brokers premium(size)92437 ₹ lakh208297 ₹ lakhQ1 FY26-27
solvency ratio2.05 ×2.00 ×Q1 FY26-27
government securities(size)316446 INR_lakhs924625 INR_lakhsQ1 FY26-27
govt + approved securities(size)32.0 %37.0 %Q1 FY26-27
incurred claims ratio86.0 %79.2 %Q1 FY26-27
motor tp incurred claims ratio80.4 %88.2 %Q1 FY26-27
Corporate Agents – Banks premium(size)1366 ₹ lakh85651 ₹ lakhQ1 FY26-27
fire combined ratio110.0 %276.7 %Q1 FY26-27
motor OD segment premium(size)25303 ₹ lakh56299 ₹ lakhQ1 FY26-27
npa provision coverage84.8 %0.0 %Q1 FY26-27
net retention ratio(size)81.0 %68.3 %Q1 FY26-27
health combined ratio112.2 %111.6 %Q1 FY26-27
gross direct premium growth rate(size)10.8 %10.8 %Q1 FY26-27
combined ratio116.3 %111.5 %Q1 FY26-27
profit after tax(size)27 ₹ crore166 ₹ croreQ1 FY26-27
Other premium(size)4055 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)0 count0 countQ1 FY26-27
personal accident incurred claims ratio70.5 %42.9 %Q1 FY26-27
Insurance Marketing Firm policies(size)4219 count1640 countQ1 FY26-27
liability incurred claims ratio25.8 %89.7 %Q1 FY26-27
expense ratio30.3 %32.3 %Q1 FY26-27
profit before tax(size)37 ₹ crore222 ₹ croreQ1 FY26-27
gross npa (amount)571 INR_lakhs0 INR_lakhsQ1 FY26-27
marine cargo combined ratio125.3 %196.8 %Q1 FY26-27
Web Aggregators policies(size)21 count56 countQ1 FY26-27
workmen's compensation segment premium(size)456 ₹ lakh314 ₹ lakhQ1 FY26-27
net worth growth rate(size)2.0 %3.2 %Q1 FY26-27
MISP (Direct) premium(size)210 ₹ lakh0 ₹ lakhQ1 FY26-27
Brokers policies(size)290309 count1303324 countQ1 FY26-27
Corporate Agents – Others policies(size)19250 count19211 countQ1 FY26-27
net commission ratio(size)19.3 %15.6 %Q1 FY26-27
Web Aggregators premium(size)7 ₹ lakh9 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio136.0 %64.7 %Q1 FY26-27
underwriting balance ratio-21.0 %-10.0 %Q1 FY26-27
liability segment premium(size)550 ₹ lakh4029 ₹ lakhQ1 FY26-27
motor TP segment premium(size)40596 ₹ lakh62025 ₹ lakhQ1 FY26-27
travel segment premium(size)41 ₹ lakh43 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count32151 countQ1 FY26-27
net yield (quarterly)2.46 %1.52 %Q1 FY26-27
MISP (Direct) policies(size)1660 count0 countQ1 FY26-27
engineering combined ratio229.0 %84.6 %Q1 FY26-27
claims paid to provisioned ratio(size)9.6 %14.6 %Q1 FY26-27
health incurred claims ratio100.2 %88.2 %Q1 FY26-27
Insurance Marketing Firm premium(size)313 ₹ lakh337 ₹ lakhQ1 FY26-27
debentures & bonds(size)329442 INR_lakhs527301 INR_lakhsQ1 FY26-27
Individual Agents policies(size)50754 count54927 countQ1 FY26-27
housing & infrastructure(size)30.8 %27.2 %Q1 FY26-27
engineering segment premium(size)2550 ₹ lakh9363 ₹ lakhQ1 FY26-27
personal accident segment premium(size)2622 ₹ lakh44161 ₹ lakhQ1 FY26-27
travel combined ratio72.0 %103.9 %Q1 FY26-27
motor od combined ratio132.7 %149.6 %Q1 FY26-27
Corporate Agents – Others premium(size)6831 ₹ lakh2765 ₹ lakhQ1 FY26-27
gross npa ratio0.06 %0.00 %Q1 FY26-27
operating profit ratio0.0 %5.5 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)61893 count95763 countQ1 FY26-27
Corporate Agents – Banks policies(size)8526 count624380 countQ1 FY26-27
Direct Business – Online premium(size)1041 ₹ lakh763 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio85.4 %175.2 %Q1 FY26-27
expense ratio to gross premium28.7 %28.6 %Q1 FY26-27
liability combined ratio71.1 %112.2 %Q1 FY26-27
Direct Business – Online policies(size)8117 count10957 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)13477 ₹ lakh10883 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.6 %6.7 %Q1 FY26-27
other investments(size)104613 INR_lakhs90428 INR_lakhsQ1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Other policies(size)4951 count0 countQ1 FY26-27
book value per share(size)40.92 ₹231.56 ₹Q4 FY25-26
net earning ratio2.5 %0.9 %Q4 FY25-26
Direct Business – Others policies(size)63020 count82246 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)8.49 %6.02 %Q4 FY25-26 / FY25-26
debt to equity ratio0.07 ×0.14 ×Q4 FY25-26
gross yield (annualized)8.49 %8.04 %Q4 FY25-26 / FY25-26
Direct Business – Others premium(size)1600 ₹ lakh30144 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.59 ₹1.36 ₹Q4 FY25-26
marine hull incurred claims ratio0.0 %0.0 %Q1 FY25-26 / Q4 FY25-26
marine hull combined ratio0.0 %0.0 %Q1 FY25-26 / Q4 FY25-26
gross written premium(size)3763 ₹ crore13890 ₹ croreFY25-03
claims repudiation ratio5.03 %1.40 %FY24-25
claim settlement ratio82.1 %77.7 %FY24-25 / Q4 FY25-26

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

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Royal Sundaram General Insurance
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SBI General Insurance
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