Royal Sundaram General Insurance vs United India Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Royal Sundaram General Insurance | United India Insurance | Period |
|---|---|---|---|
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY26-27 |
| equity & preference shares(size) | 95946 INR_lakhs | 805380 INR_lakhs | Q1 FY26-27 |
| personal accident combined ratio | 117.8 % | 151.3 % | Q1 FY26-27 / Q4 FY25-26 |
| Individual Agents premium(size) | 8787 ₹ lakh | 186927 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 147.4 % | 43.4 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium to net worth ratio(size) | 69.00 × | -80.00 × | Q1 FY26-27 |
| gross yield (quarterly) | 2.46 % | 8.97 % | Q1 FY26-27 |
| motor tp combined ratio | 115.5 % | 157.7 % | Q1 FY26-27 / Q4 FY25-26 |
| central govt. securities(size) | 21.8 % | 23.1 % | Q1 FY26-27 |
| health segment premium(size) | 42686 ₹ lakh | 206119 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 2622 ₹ lakh | 6765 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 179.3 % | 64.8 % | Q1 FY26-27 / Q4 FY25-26 |
| motor od incurred claims ratio | 84.2 % | 98.5 % | Q1 FY26-27 / Q4 FY25-26 |
| Common Service Centres (CSC) premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 156865 INR_lakhs | 763969 INR_lakhs | Q1 FY26-27 |
| fire incurred claims ratio | 65.2 % | 107.6 % | Q1 FY26-27 / Q4 FY25-26 |
| investment income ratio | 2.4 % | 8.9 % | Q1 FY26-27 |
| fire segment premium(size) | 10449 ₹ lakh | 61685 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 92437 ₹ lakh | 226344 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 2.05 × | -1.49 × | Q1 FY26-27 |
| government securities(size) | 316446 INR_lakhs | 1624959 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 32.0 % | 49.1 % | Q1 FY26-27 |
| incurred claims ratio | 86.0 % | 103.6 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 80.4 % | 105.4 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Banks premium(size) | 1366 ₹ lakh | 980 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 110.0 % | 176.5 % | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 25303 ₹ lakh | 47468 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 84.8 % | 100.0 % | Q1 FY26-27 |
| net retention ratio(size) | 81.0 % | 71.9 % | Q1 FY26-27 |
| health combined ratio | 112.2 % | 132.0 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium growth rate(size) | 10.8 % | -27.0 % | Q1 FY26-27 |
| combined ratio | 116.3 % | 139.1 % | Q1 FY26-27 |
| profit after tax(size) | 27 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| Other premium(size) | 4055 ₹ lakh | 125587 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| Direct Business – Officers/Employees policies(size) | 0 count | 406 count | Q1 FY26-27 |
| personal accident incurred claims ratio | 70.5 % | 116.6 % | Q1 FY26-27 / Q4 FY25-26 |
| Insurance Marketing Firm policies(size) | 4219 count | 7461 count | Q1 FY26-27 |
| liability incurred claims ratio | 25.8 % | 42.2 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio | 30.3 % | 35.5 % | Q1 FY26-27 |
| profit before tax(size) | 37 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| gross npa (amount) | 571 INR_lakhs | 33495 INR_lakhs | Q1 FY26-27 |
| marine cargo combined ratio | 125.3 % | 108.4 % | Q1 FY26-27 / Q4 FY25-26 |
| Web Aggregators policies(size) | 21 count | 722317 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 456 ₹ lakh | 1922 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 2.0 % | 0.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 210 ₹ lakh | 612 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 290309 count | 1143981 count | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 19250 count | 50625 count | Q1 FY26-27 |
| net commission ratio(size) | 19.3 % | 18.3 % | Q1 FY26-27 |
| available solvency margin(size) | 184006 ₹ lakh | -874629 ₹ lakh | Q1 FY26-27 |
| Web Aggregators premium(size) | 7 ₹ lakh | 18079 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 136.0 % | 19.1 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | -21.0 % | -34.6 % | Q1 FY26-27 |
| liability segment premium(size) | 550 ₹ lakh | 8837 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 40596 ₹ lakh | 187028 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 41 ₹ lakh | 116 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 0 count | 1 count | Q1 FY26-27 |
| net yield (quarterly) | 2.46 % | 5.92 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1660 count | 4495 count | Q1 FY26-27 |
| engineering combined ratio | 229.0 % | 97.9 % | Q1 FY26-27 / Q4 FY25-26 |
| required solvency margin(size) | 89975 ₹ lakh | 588214 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 100.2 % | 103.9 % | Q1 FY26-27 / Q4 FY25-26 |
| Insurance Marketing Firm premium(size) | 313 ₹ lakh | 600 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 329442 INR_lakhs | 233920 INR_lakhs | Q1 FY26-27 |
| Individual Agents policies(size) | 50754 count | 2597447 count | Q1 FY26-27 |
| housing & infrastructure(size) | 30.8 % | 19.6 % | Q1 FY26-27 |
| engineering segment premium(size) | 2550 ₹ lakh | 12861 ₹ lakh | Q1 FY26-27 |
| personal accident segment premium(size) | 2622 ₹ lakh | 7681 ₹ lakh | Q1 FY26-27 |
| motor od combined ratio | 132.7 % | 143.8 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Others premium(size) | 6831 ₹ lakh | 1598 ₹ lakh | Q1 FY26-27 |
| gross npa ratio | 0.06 % | 1.01 % | Q1 FY26-27 |
| operating profit ratio | 0.0 % | -17.3 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 61893 count | 87834 count | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 8526 count | 34735 count | Q1 FY26-27 |
| Direct Business – Online premium(size) | 1041 ₹ lakh | 663 ₹ lakh | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 85.4 % | 68.7 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio to gross premium | 28.7 % | 27.3 % | Q1 FY26-27 |
| liability combined ratio | 71.1 % | 96.5 % | Q1 FY26-27 / Q4 FY25-26 |
| Direct Business – Online policies(size) | 8117 count | 4630 count | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 13477 ₹ lakh | 5345 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.6 % | 9.0 % | Q1 FY26-27 |
| other investments(size) | 104613 INR_lakhs | 73696 INR_lakhs | Q1 FY26-27 |
| Direct Business – Officers/Employees premium(size) | 0 ₹ lakh | 9383 ₹ lakh | Q1 FY26-27 |
| Other policies(size) | 4951 count | 131 count | Q1 FY26-27 / Q4 FY25-26 |
| marine hull segment premium(size) | 3 ₹ lakh | 5184 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| book value per share(size) | 40.92 ₹ | -15.98 ₹ | Q4 FY25-26 |
| gross NPA ratio | 0.06 % | 1.00 % | Q4 FY25-26 |
| net earning ratio | 2.5 % | -15.3 % | Q4 FY25-26 |
| Direct Business – Others policies(size) | 63020 count | 87890 count | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 8.49 % | 6.83 % | Q4 FY25-26 / FY25-26 |
| net NPA ratio | 0.01 % | 0.00 % | Q4 FY25-26 |
| gross yield (annualized) | 8.49 % | 10.35 % | Q4 FY25-26 / FY25-26 |
| Direct Business – Others premium(size) | 1600 ₹ lakh | 104025 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| earnings per share(size) | 0.59 ₹ | -12.39 ₹ | Q4 FY25-26 |
| marine hull incurred claims ratio | 0.0 % | 21.2 % | Q1 FY25-26 / Q4 FY25-26 |
| marine hull combined ratio | 0.0 % | 70.3 % | Q1 FY25-26 / Q4 FY25-26 |
| gross written premium(size) | 3763 ₹ crore | 20072 ₹ crore | FY25-03 |
| claims repudiation ratio | 5.03 % | 3.96 % | FY24-25 |
| claim settlement ratio | 82.1 % | 84.9 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.