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SBI General Insurance vs Shriram General Insurance: IRDAI Data Comparison

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

MetricSBI General InsuranceShriram General InsurancePeriod
engineering incurred claims ratio80.1 %148.8 %Q1 FY26-27
debentures & bonds(size)527301 INR_lakhs319808 INR_lakhsQ1 FY26-27
incurred claims ratio79.2 %68.7 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel combined ratio103.9 %45.9 %Q1 FY26-27
crop incurred claims ratio-21.7 %0.0 %Q1 FY26-27
technical reserves to premium ratio(size)6.7 %1079.9 %Q1 FY26-27
crop combined ratio722.8 %0.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)85651 ₹ lakh350 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %0.0 %Q1 FY26-27
underwriting balance ratio-10.0 %-6.1 %Q1 FY26-27
aviation combined ratio100.0 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio175.2 %100.3 %Q1 FY26-27
health combined ratio111.6 %96.6 %Q1 FY26-27
Common Service Centres (CSC) policies(size)32151 count631 countQ1 FY26-27
liability incurred claims ratio89.7 %30.4 %Q1 FY26-27
expense ratio32.3 %37.4 %Q1 FY26-27
travel incurred claims ratio64.9 %37.1 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
govt + approved securities(size)37.0 %30.3 %Q1 FY26-27
Individual Agents premium(size)10951 ₹ lakh4860 ₹ lakhQ1 FY26-27
profit after tax(size)166 ₹ crore131 ₹ croreQ1 FY26-27
Web Aggregators premium(size)9 ₹ lakh17 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)799 ₹ lakh0 ₹ lakhQ1 FY26-27
infrastructure & housing(size)682117 INR_lakhs502514 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio101.6 %61.7 %Q1 FY26-27
Common Service Centres (CSC) premium(size)828 ₹ lakh11 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.8 %22.9 %Q1 FY26-27
fire combined ratio276.7 %150.7 %Q1 FY26-27
operating profit ratio5.5 %17.2 %Q1 FY26-27
personal accident incurred claims ratio42.9 %15.8 %Q1 FY26-27
real estate & subsidiaries(size)34231 INR_lakhs18266 INR_lakhsQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor od incurred claims ratio83.9 %98.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)66.00 ×39.87 ×Q1 FY26-27
workmen's compensation incurred claims ratio64.7 %38.6 %Q1 FY26-27
personal accident combined ratio57.4 %41.6 %Q1 FY26-27
other investments(size)90428 INR_lakhs1078 INR_lakhsQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio111.5 %104.7 %Q1 FY26-27
investment income ratio2.2 %1.7 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)10883 ₹ lakh46028 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)56 count108 countQ1 FY26-27
motor od combined ratio149.6 %134.8 %Q1 FY26-27
housing & infrastructure(size)27.2 %34.9 %Q1 FY26-27
central govt. securities(size)22.4 %25.6 %Q1 FY26-27
equity & preference shares(size)239219 INR_lakhs151575 INR_lakhsQ1 FY26-27
Brokers premium(size)208297 ₹ lakh29449 ₹ lakhQ1 FY26-27
motor tp combined ratio146.8 %98.7 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
motor OD segment premium(size)56299 ₹ lakh29251 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)1640 count1251 countQ1 FY26-27
Brokers policies(size)1303324 count313126 countQ1 FY26-27
net worth growth rate(size)3.2 %7.3 %Q1 FY26-27
MISP (Direct) policies(size)0 count30316 countQ1 FY26-27
Corporate Agents – Others policies(size)19211 count723601 countQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
government securities(size)924625 INR_lakhs458529 INR_lakhsQ1 FY26-27
fire incurred claims ratio75.2 %58.6 %Q1 FY26-27
net yield (quarterly)1.52 %5.43 %Q1 FY26-27
solvency ratio2.00 ×3.02 ×Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh623 ₹ lakhQ1 FY26-27
profit before tax(size)222 ₹ crore174 ₹ croreQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
health segment premium(size)126312 ₹ lakh1266 ₹ lakhQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)14.6 %5.2 %Q1 FY26-27
net retention ratio(size)68.3 %84.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)337 ₹ lakh92 ₹ lakhQ1 FY26-27
engineering segment premium(size)9363 ₹ lakh850 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)2765 ₹ lakh34718 ₹ lakhQ1 FY26-27
travel segment premium(size)43 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)624380 count13162 countQ1 FY26-27
workmen's compensation segment premium(size)314 ₹ lakh177 ₹ lakhQ1 FY26-27
Individual Agents policies(size)54927 count58733 countQ1 FY26-27
expense ratio to gross premium28.6 %33.7 %Q1 FY26-27
personal accident segment premium(size)44161 ₹ lakh4253 ₹ lakhQ1 FY26-27
fire segment premium(size)37470 ₹ lakh1969 ₹ lakhQ1 FY26-27
liability combined ratio112.2 %358.1 %Q1 FY26-27
motor tp incurred claims ratio88.2 %58.7 %Q1 FY26-27
marine cargo combined ratio196.8 %208.4 %Q1 FY26-27
liability segment premium(size)4029 ₹ lakh145 ₹ lakhQ1 FY26-27
health incurred claims ratio88.2 %94.5 %Q1 FY26-27
engineering combined ratio84.6 %233.1 %Q1 FY26-27
net commission ratio(size)15.6 %25.6 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)95763 count660339 countQ1 FY26-27
marine cargo segment premium(size)4005 ₹ lakh218 ₹ lakhQ1 FY26-27
motor TP segment premium(size)62025 ₹ lakh78711 ₹ lakhQ1 FY26-27
gross yield (quarterly)2.03 %7.26 %Q1 FY26-27
claim settlement ratio77.7 %71.8 %Q4 FY25-26 / FY24-25
book value per share(size)231.56 ₹114.19 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.9 %12.3 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.02 %5.44 %FY25-26 / Q4 FY25-26
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.04 %7.27 %FY25-26 / Q4 FY25-26
earnings per share(size)1.36 ₹5.06 ₹Q4 FY25-26 / Q1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q4 FY25-26 / Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q4 FY25-26 / Q1 FY26-27
gross written premium(size)13890 ₹ crore1180 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio1.40 %3.53 %FY24-25

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

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SBI General Insurance
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Shriram General Insurance
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