SBI General Insurance vs United India Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | SBI General Insurance | United India Insurance | Period |
|---|---|---|---|
| engineering incurred claims ratio | 80.1 % | 43.4 % | Q1 FY26-27 / Q4 FY25-26 |
| debentures & bonds(size) | 527301 INR_lakhs | 233920 INR_lakhs | Q1 FY26-27 |
| incurred claims ratio | 79.2 % | 103.6 % | Q1 FY26-27 |
| Other premium(size) | 0 ₹ lakh | 125587 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| crop incurred claims ratio | -21.7 % | 63.6 % | Q1 FY26-27 / Q4 FY25-26 |
| technical reserves to premium ratio(size) | 6.7 % | 9.0 % | Q1 FY26-27 |
| crop combined ratio | 722.8 % | 83.2 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Banks premium(size) | 85651 ₹ lakh | 980 ₹ lakh | Q1 FY26-27 |
| aviation incurred claims ratio | 100.0 % | 1790.1 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | -10.0 % | -34.6 % | Q1 FY26-27 |
| aviation combined ratio | 100.0 % | 2328.7 % | Q1 FY26-27 / Q4 FY25-26 |
| Direct Business – Officers/Employees policies(size) | 0 count | 406 count | Q1 FY26-27 |
| marine cargo incurred claims ratio | 175.2 % | 68.7 % | Q1 FY26-27 / Q4 FY25-26 |
| health combined ratio | 111.6 % | 132.0 % | Q1 FY26-27 / Q4 FY25-26 |
| Common Service Centres (CSC) policies(size) | 32151 count | 1 count | Q1 FY26-27 |
| liability incurred claims ratio | 89.7 % | 42.2 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio | 32.3 % | 35.5 % | Q1 FY26-27 |
| Referral Arrangements policies(size) | 0 count | 0 count | Q1 FY26-27 |
| govt + approved securities(size) | 37.0 % | 49.1 % | Q1 FY26-27 |
| Individual Agents premium(size) | 10951 ₹ lakh | 186927 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 166 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 9 ₹ lakh | 18079 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 799 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 682117 INR_lakhs | 763969 INR_lakhs | Q1 FY26-27 |
| workmen's compensation combined ratio | 101.6 % | 64.8 % | Q1 FY26-27 / Q4 FY25-26 |
| Common Service Centres (CSC) premium(size) | 828 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 10.8 % | -27.0 % | Q1 FY26-27 |
| fire combined ratio | 276.7 % | 176.5 % | Q1 FY26-27 / Q4 FY25-26 |
| operating profit ratio | 5.5 % | -17.3 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 42.9 % | 116.6 % | Q1 FY26-27 / Q4 FY25-26 |
| Direct Business – Online premium(size) | 763 ₹ lakh | 663 ₹ lakh | Q1 FY26-27 |
| Direct Business – Others policies(size) | 82246 count | 87890 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 34231 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| motor od incurred claims ratio | 83.9 % | 98.5 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium to net worth ratio(size) | 66.00 × | -80.00 × | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 64.7 % | 19.1 % | Q1 FY26-27 / Q4 FY25-26 |
| personal accident combined ratio | 57.4 % | 151.3 % | Q1 FY26-27 / Q4 FY25-26 |
| other investments(size) | 90428 INR_lakhs | 73696 INR_lakhs | Q1 FY26-27 |
| Referral Arrangements premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| combined ratio | 111.5 % | 139.1 % | Q1 FY26-27 |
| investment income ratio | 2.2 % | 8.9 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 10883 ₹ lakh | 5345 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 56 count | 722317 count | Q1 FY26-27 |
| motor od combined ratio | 149.6 % | 143.8 % | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 27.2 % | 19.6 % | Q1 FY26-27 |
| central govt. securities(size) | 22.4 % | 23.1 % | Q1 FY26-27 |
| equity & preference shares(size) | 239219 INR_lakhs | 805380 INR_lakhs | Q1 FY26-27 |
| Brokers premium(size) | 208297 ₹ lakh | 226344 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 146.8 % | 157.7 % | Q1 FY26-27 / Q4 FY25-26 |
| Other policies(size) | 0 count | 131 count | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 56299 ₹ lakh | 47468 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 1640 count | 7461 count | Q1 FY26-27 |
| Brokers policies(size) | 1303324 count | 1143981 count | Q1 FY26-27 |
| net worth growth rate(size) | 3.2 % | 0.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 0 count | 4495 count | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 19211 count | 50625 count | Q1 FY26-27 |
| Direct Business – Online policies(size) | 10957 count | 4630 count | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 100.0 % | Q1 FY26-27 |
| government securities(size) | 924625 INR_lakhs | 1624959 INR_lakhs | Q1 FY26-27 |
| fire incurred claims ratio | 75.2 % | 107.6 % | Q1 FY26-27 / Q4 FY25-26 |
| net yield (quarterly) | 1.52 % | 5.92 % | Q1 FY26-27 |
| solvency ratio | 2.00 × | -1.49 × | Q1 FY26-27 |
| MISP (Direct) premium(size) | 0 ₹ lakh | 612 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 222 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY26-27 |
| health segment premium(size) | 126312 ₹ lakh | 206119 ₹ lakh | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 33495 INR_lakhs | Q1 FY26-27 |
| net retention ratio(size) | 68.3 % | 71.9 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 337 ₹ lakh | 600 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 9363 ₹ lakh | 12861 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 2765 ₹ lakh | 1598 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 43 ₹ lakh | 116 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 624380 count | 34735 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 314 ₹ lakh | 1922 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 54927 count | 2597447 count | Q1 FY26-27 |
| expense ratio to gross premium | 28.6 % | 27.3 % | Q1 FY26-27 |
| Direct Business – Officers/Employees premium(size) | 0 ₹ lakh | 9383 ₹ lakh | Q1 FY26-27 |
| personal accident segment premium(size) | 44161 ₹ lakh | 7681 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 37470 ₹ lakh | 61685 ₹ lakh | Q1 FY26-27 |
| liability combined ratio | 112.2 % | 96.5 % | Q1 FY26-27 / Q4 FY25-26 |
| motor tp incurred claims ratio | 88.2 % | 105.4 % | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo combined ratio | 196.8 % | 108.4 % | Q1 FY26-27 / Q4 FY25-26 |
| liability segment premium(size) | 4029 ₹ lakh | 8837 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 88.2 % | 103.9 % | Q1 FY26-27 / Q4 FY25-26 |
| engineering combined ratio | 84.6 % | 97.9 % | Q1 FY26-27 / Q4 FY25-26 |
| net commission ratio(size) | 15.6 % | 18.3 % | Q1 FY26-27 |
| gross npa ratio | 0.00 % | 1.01 % | Q1 FY26-27 |
| Direct Business – Others premium(size) | 30144 ₹ lakh | 104025 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 95763 count | 87834 count | Q1 FY26-27 |
| marine cargo segment premium(size) | 4005 ₹ lakh | 6765 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 62025 ₹ lakh | 187028 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 2.03 % | 8.97 % | Q1 FY26-27 |
| claim settlement ratio | 77.7 % | 84.9 % | Q4 FY25-26 / FY24-25 |
| book value per share(size) | 231.56 ₹ | -15.98 ₹ | Q4 FY25-26 |
| net earning ratio | 0.9 % | -15.3 % | Q4 FY25-26 |
| net yield (annualized) | 6.02 % | 6.83 % | FY25-26 |
| aviation segment premium(size) | 0 ₹ lakh | 542 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 8.04 % | 10.35 % | FY25-26 |
| earnings per share(size) | 1.36 ₹ | -12.39 ₹ | Q4 FY25-26 |
| marine hull incurred claims ratio | 0.0 % | 21.2 % | Q4 FY25-26 |
| marine hull combined ratio | 0.0 % | 70.3 % | Q4 FY25-26 |
| mutual funds(size) | 55605 INR_lakhs | 145809 INR_lakhs | Q3 FY25-26 / Q1 FY26-27 |
| gross written premium(size) | 13890 ₹ crore | 20072 ₹ crore | FY25-03 |
| claims repudiation ratio | 1.40 % | 3.96 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.