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

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

MetricRoyal Sundaram General InsuranceShriram General InsurancePeriod
Micro Agents policies(size)0 count0 countQ1 FY26-27
equity & preference shares(size)95946 INR_lakhs151575 INR_lakhsQ1 FY26-27
personal accident combined ratio117.8 %41.6 %Q1 FY26-27
Individual Agents premium(size)8787 ₹ lakh4860 ₹ lakhQ1 FY26-27
engineering incurred claims ratio147.4 %148.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)69.00 ×39.87 ×Q1 FY26-27
gross yield (quarterly)2.46 %7.26 %Q1 FY26-27
motor tp combined ratio115.5 %98.7 %Q1 FY26-27
central govt. securities(size)21.8 %25.6 %Q1 FY26-27
health segment premium(size)42686 ₹ lakh1266 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)2622 ₹ lakh218 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio179.3 %61.7 %Q1 FY26-27
motor od incurred claims ratio84.2 %98.4 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh11 ₹ lakhQ1 FY26-27
infrastructure & housing(size)156865 INR_lakhs502514 INR_lakhsQ1 FY26-27
fire incurred claims ratio65.2 %58.6 %Q1 FY26-27
investment income ratio2.4 %1.7 %Q1 FY26-27
fire segment premium(size)10449 ₹ lakh1969 ₹ lakhQ1 FY26-27
travel incurred claims ratio24.3 %37.1 %Q1 FY26-27
Brokers premium(size)92437 ₹ lakh29449 ₹ lakhQ1 FY26-27
solvency ratio2.05 ×3.02 ×Q1 FY26-27
government securities(size)316446 INR_lakhs458529 INR_lakhsQ1 FY26-27
govt + approved securities(size)32.0 %30.3 %Q1 FY26-27
incurred claims ratio86.0 %68.7 %Q1 FY26-27
motor tp incurred claims ratio80.4 %58.7 %Q1 FY26-27
Corporate Agents – Banks premium(size)1366 ₹ lakh350 ₹ lakhQ1 FY26-27
fire combined ratio110.0 %150.7 %Q1 FY26-27
motor OD segment premium(size)25303 ₹ lakh29251 ₹ lakhQ1 FY26-27
npa provision coverage84.8 %0.0 %Q1 FY26-27
net retention ratio(size)81.0 %84.0 %Q1 FY26-27
health combined ratio112.2 %96.6 %Q1 FY26-27
gross direct premium growth rate(size)10.8 %22.9 %Q1 FY26-27
combined ratio116.3 %104.7 %Q1 FY26-27
profit after tax(size)27 ₹ crore131 ₹ croreQ1 FY26-27
Other premium(size)4055 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio70.5 %15.8 %Q1 FY26-27
Insurance Marketing Firm policies(size)4219 count1251 countQ1 FY26-27
liability incurred claims ratio25.8 %30.4 %Q1 FY26-27
expense ratio30.3 %37.4 %Q1 FY26-27
profit before tax(size)37 ₹ crore174 ₹ croreQ1 FY26-27
gross npa (amount)571 INR_lakhs0 INR_lakhsQ1 FY26-27
marine cargo combined ratio125.3 %208.4 %Q1 FY26-27
Web Aggregators policies(size)21 count108 countQ1 FY26-27
workmen's compensation segment premium(size)456 ₹ lakh177 ₹ lakhQ1 FY26-27
net worth growth rate(size)2.0 %7.3 %Q1 FY26-27
MISP (Direct) premium(size)210 ₹ lakh623 ₹ lakhQ1 FY26-27
Brokers policies(size)290309 count313126 countQ1 FY26-27
Corporate Agents – Others policies(size)19250 count723601 countQ1 FY26-27
net commission ratio(size)19.3 %25.6 %Q1 FY26-27
available solvency margin(size)184006 ₹ lakh271557 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)7 ₹ lakh17 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio136.0 %38.6 %Q1 FY26-27
underwriting balance ratio-21.0 %-6.1 %Q1 FY26-27
liability segment premium(size)550 ₹ lakh145 ₹ lakhQ1 FY26-27
motor TP segment premium(size)40596 ₹ lakh78711 ₹ lakhQ1 FY26-27
travel segment premium(size)41 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count631 countQ1 FY26-27
net yield (quarterly)2.46 %5.43 %Q1 FY26-27
MISP (Direct) policies(size)1660 count30316 countQ1 FY26-27
engineering combined ratio229.0 %233.1 %Q1 FY26-27
claims paid to provisioned ratio(size)9.6 %5.2 %Q1 FY26-27
required solvency margin(size)89975 ₹ lakh89841 ₹ lakhQ1 FY26-27
health incurred claims ratio100.2 %94.5 %Q1 FY26-27
Insurance Marketing Firm premium(size)313 ₹ lakh92 ₹ lakhQ1 FY26-27
debentures & bonds(size)329442 INR_lakhs319808 INR_lakhsQ1 FY26-27
Individual Agents policies(size)50754 count58733 countQ1 FY26-27
housing & infrastructure(size)30.8 %34.9 %Q1 FY26-27
engineering segment premium(size)2550 ₹ lakh850 ₹ lakhQ1 FY26-27
personal accident segment premium(size)2622 ₹ lakh4253 ₹ lakhQ1 FY26-27
travel combined ratio72.0 %45.9 %Q1 FY26-27
motor od combined ratio132.7 %134.8 %Q1 FY26-27
Corporate Agents – Others premium(size)6831 ₹ lakh34718 ₹ lakhQ1 FY26-27
gross npa ratio0.06 %0.00 %Q1 FY26-27
operating profit ratio0.0 %17.2 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)61893 count660339 countQ1 FY26-27
Corporate Agents – Banks policies(size)8526 count13162 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio85.4 %100.3 %Q1 FY26-27
expense ratio to gross premium28.7 %33.7 %Q1 FY26-27
liability combined ratio71.1 %358.1 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)13477 ₹ lakh46028 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.6 %1079.9 %Q1 FY26-27
other investments(size)104613 INR_lakhs1078 INR_lakhsQ1 FY26-27
Other policies(size)4951 count0 countQ1 FY26-27
marine hull segment premium(size)3 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
book value per share(size)40.92 ₹114.19 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio2.5 %12.3 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)8.49 %5.44 %Q4 FY25-26
gross yield (annualized)8.49 %7.27 %Q4 FY25-26
earnings per share(size)0.59 ₹5.06 ₹Q4 FY25-26 / Q1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY25-26 / Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY25-26 / Q1 FY26-27
gross written premium(size)3763 ₹ crore1180 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio5.03 %3.53 %FY24-25
claim settlement ratio82.1 %71.8 %FY24-25

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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Shriram General Insurance
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