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SBI General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

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

MetricSBI General InsuranceTata AIG General InsurancePeriod
engineering incurred claims ratio80.1 %173.0 %Q1 FY26-27
debentures & bonds(size)527301 INR_lakhs709686 INR_lakhsQ1 FY26-27
incurred claims ratio79.2 %74.0 %Q1 FY26-27
travel combined ratio103.9 %99.0 %Q1 FY26-27
crop incurred claims ratio-21.7 %128.0 %Q1 FY26-27
technical reserves to premium ratio(size)6.7 %6.0 %Q1 FY26-27
crop combined ratio722.8 %-570.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)85651 ₹ lakh26151 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %32150.0 %Q1 FY26-27
underwriting balance ratio-10.0 %-0.2 %Q1 FY26-27
aviation combined ratio100.0 %32275.0 %Q1 FY26-27
marine cargo incurred claims ratio175.2 %121.0 %Q1 FY26-27
health combined ratio111.6 %101.0 %Q1 FY26-27
liability incurred claims ratio89.7 %113.0 %Q1 FY26-27
expense ratio32.3 %37.0 %Q1 FY26-27
travel incurred claims ratio64.9 %48.0 %Q1 FY26-27
govt + approved securities(size)37.0 %40.0 %Q1 FY26-27
Individual Agents premium(size)10951 ₹ lakh117253 ₹ lakhQ1 FY26-27
profit after tax(size)166 ₹ crore195 ₹ croreQ1 FY26-27
Web Aggregators premium(size)9 ₹ lakh78 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)799 ₹ lakh5 ₹ lakhQ1 FY26-27
infrastructure & housing(size)682117 INR_lakhs755625 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio101.6 %86.0 %Q1 FY26-27
gross direct premium growth rate(size)10.8 %34.0 %Q1 FY26-27
fire combined ratio276.7 %79.0 %Q1 FY26-27
operating profit ratio5.5 %4.0 %Q1 FY26-27
personal accident incurred claims ratio42.9 %60.0 %Q1 FY26-27
real estate & subsidiaries(size)34231 INR_lakhs37531 INR_lakhsQ1 FY26-27
motor od incurred claims ratio83.9 %89.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)66.00 ×97.00 ×Q1 FY26-27
workmen's compensation incurred claims ratio64.7 %50.0 %Q1 FY26-27
personal accident combined ratio57.4 %83.0 %Q1 FY26-27
other investments(size)90428 INR_lakhs238487 INR_lakhsQ1 FY26-27
combined ratio111.5 %111.0 %Q1 FY26-27
investment income ratio2.2 %2.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)10883 ₹ lakh43612 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)56 count451 countQ1 FY26-27
motor od combined ratio149.6 %138.0 %Q1 FY26-27
housing & infrastructure(size)27.2 %16.0 %Q1 FY26-27
central govt. securities(size)22.4 %22.0 %Q1 FY26-27
equity & preference shares(size)239219 INR_lakhs679771 INR_lakhsQ1 FY26-27
Brokers premium(size)208297 ₹ lakh350032 ₹ lakhQ1 FY26-27
motor tp combined ratio146.8 %115.0 %Q1 FY26-27
motor OD segment premium(size)56299 ₹ lakh123579 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)1640 count33859 countQ1 FY26-27
Brokers policies(size)1303324 count1680361 countQ1 FY26-27
net worth growth rate(size)3.2 %3.0 %Q1 FY26-27
MISP (Direct) policies(size)0 count208206 countQ1 FY26-27
Corporate Agents – Others policies(size)19211 count716768 countQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
government securities(size)924625 INR_lakhs1535427 INR_lakhsQ1 FY26-27
fire incurred claims ratio75.2 %60.0 %Q1 FY26-27
net yield (quarterly)1.52 %1.63 %Q1 FY26-27
solvency ratio2.00 ×1.84 ×Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh9417 ₹ lakhQ1 FY26-27
profit before tax(size)222 ₹ crore261 ₹ croreQ1 FY26-27
health segment premium(size)126312 ₹ lakh184202 ₹ lakhQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)14.6 %5.0 %Q1 FY26-27
net retention ratio(size)68.3 %59.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)337 ₹ lakh3905 ₹ lakhQ1 FY26-27
engineering segment premium(size)9363 ₹ lakh15485 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)2765 ₹ lakh29694 ₹ lakhQ1 FY26-27
travel segment premium(size)43 ₹ lakh15212 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)624380 count239087 countQ1 FY26-27
workmen's compensation segment premium(size)314 ₹ lakh2435 ₹ lakhQ1 FY26-27
Individual Agents policies(size)54927 count692010 countQ1 FY26-27
expense ratio to gross premium28.6 %32.0 %Q1 FY26-27
personal accident segment premium(size)44161 ₹ lakh6838 ₹ lakhQ1 FY26-27
fire segment premium(size)37470 ₹ lakh76072 ₹ lakhQ1 FY26-27
liability combined ratio112.2 %68.0 %Q1 FY26-27
motor tp incurred claims ratio88.2 %59.0 %Q1 FY26-27
marine cargo combined ratio196.8 %147.0 %Q1 FY26-27
liability segment premium(size)4029 ₹ lakh33611 ₹ lakhQ1 FY26-27
health incurred claims ratio88.2 %82.0 %Q1 FY26-27
engineering combined ratio84.6 %171.0 %Q1 FY26-27
net commission ratio(size)15.6 %20.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)95763 count531281 countQ1 FY26-27
marine cargo segment premium(size)4005 ₹ lakh25413 ₹ lakhQ1 FY26-27
motor TP segment premium(size)62025 ₹ lakh131029 ₹ lakhQ1 FY26-27
gross yield (quarterly)2.03 %2.18 %Q1 FY26-27
claim settlement ratio77.7 %80.2 %Q4 FY25-26 / FY24-25
book value per share(size)231.56 ₹67.70 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.9 %5.0 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.02 %5.81 %FY25-26 / Q4 FY25-26
debt to equity ratio0.14 ×0.08 ×Q4 FY25-26 / Q1 FY26-27
aviation segment premium(size)0 ₹ lakh9368 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.04 %7.80 %FY25-26 / Q4 FY25-26
marine hull incurred claims ratio0.0 %100.0 %Q4 FY25-26 / Q1 FY26-27
marine hull combined ratio0.0 %-501.0 %Q4 FY25-26 / Q1 FY26-27
mutual funds(size)55605 INR_lakhs214987 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)13890 ₹ crore17703 ₹ croreFY25-03
claims repudiation ratio1.40 %2.80 %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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Tata AIG General Insurance
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