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SBI General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricSBI General InsuranceZuno General InsurancePeriod
engineering incurred claims ratio80.1 %471.0 %Q1 FY26-27
debentures & bonds(size)527301 INR_lakhs35131 INR_lakhsQ1 FY26-27
incurred claims ratio79.2 %81.0 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel combined ratio103.9 %260.0 %Q1 FY26-27
technical reserves to premium ratio(size)6.7 %6.3 %Q1 FY26-27
Corporate Agents – Banks premium(size)85651 ₹ lakh-2 ₹ lakhQ1 FY26-27
underwriting balance ratio-10.0 %-0.2 %Q1 FY26-27
marine cargo incurred claims ratio175.2 %903.0 %Q1 FY26-27
health combined ratio111.6 %126.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)32151 count0 countQ1 FY26-27
liability incurred claims ratio89.7 %55.0 %Q1 FY26-27
expense ratio32.3 %34.0 %Q1 FY26-27
travel incurred claims ratio64.9 %199.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
govt + approved securities(size)37.0 %31.0 %Q1 FY26-27
Individual Agents premium(size)10951 ₹ lakh339 ₹ lakhQ1 FY26-27
profit after tax(size)166 ₹ crore-4 ₹ croreQ1 FY26-27
Web Aggregators premium(size)9 ₹ lakh2 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)799 ₹ lakh0 ₹ lakhQ1 FY26-27
infrastructure & housing(size)682117 INR_lakhs52190 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio101.6 %93.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)828 ₹ lakh0 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)10.8 %62.0 %Q1 FY26-27
fire combined ratio276.7 %-38.0 %Q1 FY26-27
operating profit ratio5.5 %-3.0 %Q1 FY26-27
personal accident incurred claims ratio42.9 %96.0 %Q1 FY26-27
real estate & subsidiaries(size)34231 INR_lakhs4636 INR_lakhsQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor od incurred claims ratio83.9 %80.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)66.00 ×98.00 ×Q1 FY26-27
workmen's compensation incurred claims ratio64.7 %56.0 %Q1 FY26-27
personal accident combined ratio57.4 %124.0 %Q1 FY26-27
other investments(size)90428 INR_lakhs20794 INR_lakhsQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio111.5 %115.0 %Q1 FY26-27
investment income ratio2.2 %2.1 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)10883 ₹ lakh1065 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)56 count26 countQ1 FY26-27
motor od combined ratio149.6 %133.0 %Q1 FY26-27
housing & infrastructure(size)27.2 %26.0 %Q1 FY26-27
central govt. securities(size)22.4 %23.0 %Q1 FY26-27
equity & preference shares(size)239219 INR_lakhs4406 INR_lakhsQ1 FY26-27
Brokers premium(size)208297 ₹ lakh34463 ₹ lakhQ1 FY26-27
motor tp combined ratio146.8 %89.0 %Q1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
motor OD segment premium(size)56299 ₹ lakh11217 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)1640 count416 countQ1 FY26-27
Brokers policies(size)1303324 count221205 countQ1 FY26-27
net worth growth rate(size)3.2 %13.0 %Q1 FY26-27
MISP (Direct) policies(size)0 count1970 countQ1 FY26-27
Corporate Agents – Others policies(size)19211 count4637 countQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
government securities(size)924625 INR_lakhs41239 INR_lakhsQ1 FY26-27
fire incurred claims ratio75.2 %-46.0 %Q1 FY26-27
net yield (quarterly)1.52 %2.05 %Q1 FY26-27
solvency ratio2.00 ×1.64 ×Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh431 ₹ lakhQ1 FY26-27
profit before tax(size)222 ₹ crore-4 ₹ croreQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
health segment premium(size)126312 ₹ lakh12044 ₹ lakhQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)14.6 %57.0 %Q1 FY26-27
net retention ratio(size)68.3 %57.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)337 ₹ lakh64 ₹ lakhQ1 FY26-27
engineering segment premium(size)9363 ₹ lakh121 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)2765 ₹ lakh3306 ₹ lakhQ1 FY26-27
travel segment premium(size)43 ₹ lakh40 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)624380 count3 countQ1 FY26-27
workmen's compensation segment premium(size)314 ₹ lakh1 ₹ lakhQ1 FY26-27
Individual Agents policies(size)54927 count2652 countQ1 FY26-27
expense ratio to gross premium28.6 %31.0 %Q1 FY26-27
personal accident segment premium(size)44161 ₹ lakh2430 ₹ lakhQ1 FY26-27
fire segment premium(size)37470 ₹ lakh1482 ₹ lakhQ1 FY26-27
liability combined ratio112.2 %77.0 %Q1 FY26-27
motor tp incurred claims ratio88.2 %53.0 %Q1 FY26-27
marine cargo combined ratio196.8 %936.0 %Q1 FY26-27
liability segment premium(size)4029 ₹ lakh91 ₹ lakhQ1 FY26-27
health incurred claims ratio88.2 %99.0 %Q1 FY26-27
engineering combined ratio84.6 %-308.0 %Q1 FY26-27
net commission ratio(size)15.6 %10.0 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)95763 count9545 countQ1 FY26-27
marine cargo segment premium(size)4005 ₹ lakh104 ₹ lakhQ1 FY26-27
motor TP segment premium(size)62025 ₹ lakh10171 ₹ lakhQ1 FY26-27
gross yield (quarterly)2.03 %2.05 %Q1 FY26-27
claim settlement ratio77.7 %70.9 %Q4 FY25-26 / Q1 FY26-27
net earning ratio0.9 %-2.0 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.02 %8.42 %FY25-26
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.04 %8.42 %FY25-26
mutual funds(size)55605 INR_lakhs7230 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)13890 ₹ crore402 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio1.40 %7.59 %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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Zuno General Insurance
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