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

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

MetricRoyal Sundaram General InsuranceZuno General InsurancePeriod
Micro Agents policies(size)0 count0 countQ1 FY26-27
equity & preference shares(size)95946 INR_lakhs4406 INR_lakhsQ1 FY26-27
personal accident combined ratio117.8 %124.0 %Q1 FY26-27
Individual Agents premium(size)8787 ₹ lakh339 ₹ lakhQ1 FY26-27
engineering incurred claims ratio147.4 %471.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)69.00 ×98.00 ×Q1 FY26-27
gross yield (quarterly)2.46 %2.05 %Q1 FY26-27
motor tp combined ratio115.5 %89.0 %Q1 FY26-27
central govt. securities(size)21.8 %23.0 %Q1 FY26-27
health segment premium(size)42686 ₹ lakh12044 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)2622 ₹ lakh104 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio179.3 %93.0 %Q1 FY26-27
motor od incurred claims ratio84.2 %80.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
infrastructure & housing(size)156865 INR_lakhs52190 INR_lakhsQ1 FY26-27
fire incurred claims ratio65.2 %-46.0 %Q1 FY26-27
investment income ratio2.4 %2.1 %Q1 FY26-27
fire segment premium(size)10449 ₹ lakh1482 ₹ lakhQ1 FY26-27
travel incurred claims ratio24.3 %199.0 %Q1 FY26-27
Brokers premium(size)92437 ₹ lakh34463 ₹ lakhQ1 FY26-27
solvency ratio2.05 ×1.64 ×Q1 FY26-27
government securities(size)316446 INR_lakhs41239 INR_lakhsQ1 FY26-27
govt + approved securities(size)32.0 %31.0 %Q1 FY26-27
incurred claims ratio86.0 %81.0 %Q1 FY26-27
motor tp incurred claims ratio80.4 %53.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)1366 ₹ lakh-2 ₹ lakhQ1 FY26-27
fire combined ratio110.0 %-38.0 %Q1 FY26-27
motor OD segment premium(size)25303 ₹ lakh11217 ₹ lakhQ1 FY26-27
npa provision coverage84.8 %0.0 %Q1 FY26-27
net retention ratio(size)81.0 %57.0 %Q1 FY26-27
health combined ratio112.2 %126.0 %Q1 FY26-27
gross direct premium growth rate(size)10.8 %62.0 %Q1 FY26-27
combined ratio116.3 %115.0 %Q1 FY26-27
profit after tax(size)27 ₹ crore-4 ₹ croreQ1 FY26-27
Other premium(size)4055 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio70.5 %96.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)4219 count416 countQ1 FY26-27
liability incurred claims ratio25.8 %55.0 %Q1 FY26-27
expense ratio30.3 %34.0 %Q1 FY26-27
profit before tax(size)37 ₹ crore-4 ₹ croreQ1 FY26-27
gross npa (amount)571 INR_lakhs0 INR_lakhsQ1 FY26-27
marine cargo combined ratio125.3 %936.0 %Q1 FY26-27
Web Aggregators policies(size)21 count26 countQ1 FY26-27
workmen's compensation segment premium(size)456 ₹ lakh1 ₹ lakhQ1 FY26-27
net worth growth rate(size)2.0 %13.0 %Q1 FY26-27
MISP (Direct) premium(size)210 ₹ lakh431 ₹ lakhQ1 FY26-27
Brokers policies(size)290309 count221205 countQ1 FY26-27
Corporate Agents – Others policies(size)19250 count4637 countQ1 FY26-27
net commission ratio(size)19.3 %10.0 %Q1 FY26-27
Web Aggregators premium(size)7 ₹ lakh2 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio136.0 %56.0 %Q1 FY26-27
underwriting balance ratio-21.0 %-0.2 %Q1 FY26-27
liability segment premium(size)550 ₹ lakh91 ₹ lakhQ1 FY26-27
motor TP segment premium(size)40596 ₹ lakh10171 ₹ lakhQ1 FY26-27
travel segment premium(size)41 ₹ lakh40 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27
net yield (quarterly)2.46 %2.05 %Q1 FY26-27
MISP (Direct) policies(size)1660 count1970 countQ1 FY26-27
engineering combined ratio229.0 %-308.0 %Q1 FY26-27
claims paid to provisioned ratio(size)9.6 %57.0 %Q1 FY26-27
health incurred claims ratio100.2 %99.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)313 ₹ lakh64 ₹ lakhQ1 FY26-27
debentures & bonds(size)329442 INR_lakhs35131 INR_lakhsQ1 FY26-27
Individual Agents policies(size)50754 count2652 countQ1 FY26-27
housing & infrastructure(size)30.8 %26.0 %Q1 FY26-27
engineering segment premium(size)2550 ₹ lakh121 ₹ lakhQ1 FY26-27
personal accident segment premium(size)2622 ₹ lakh2430 ₹ lakhQ1 FY26-27
travel combined ratio72.0 %260.0 %Q1 FY26-27
motor od combined ratio132.7 %133.0 %Q1 FY26-27
Corporate Agents – Others premium(size)6831 ₹ lakh3306 ₹ lakhQ1 FY26-27
gross npa ratio0.06 %0.00 %Q1 FY26-27
operating profit ratio0.0 %-3.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)61893 count9545 countQ1 FY26-27
Corporate Agents – Banks policies(size)8526 count3 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio85.4 %903.0 %Q1 FY26-27
expense ratio to gross premium28.7 %31.0 %Q1 FY26-27
liability combined ratio71.1 %77.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)13477 ₹ lakh1065 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.6 %6.3 %Q1 FY26-27
other investments(size)104613 INR_lakhs20794 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
gross NPA ratio0.06 %0.00 %Q4 FY25-26 / Q1 FY26-27
net earning ratio2.5 %-2.0 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)8.49 %8.42 %Q4 FY25-26 / FY25-26
net NPA ratio0.01 %0.00 %Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.49 %8.42 %Q4 FY25-26 / FY25-26
gross written premium(size)3763 ₹ crore402 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio5.03 %7.59 %FY24-25
claim settlement ratio82.1 %70.9 %FY24-25 / Q1 FY26-27

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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Zuno General Insurance
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