Shriram General Insurance vs United India Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Shriram General Insurance | United India Insurance | Period |
|---|---|---|---|
| motor od incurred claims ratio | 98.4 % | 98.5 % | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo combined ratio | 208.4 % | 108.4 % | Q1 FY26-27 / Q4 FY25-26 |
| Point of Sales Person (Direct) policies(size) | 660339 count | 87834 count | Q1 FY26-27 |
| investment income ratio | 1.7 % | 8.9 % | Q1 FY26-27 |
| health combined ratio | 96.6 % | 132.0 % | Q1 FY26-27 / Q4 FY25-26 |
| personal accident combined ratio | 41.6 % | 151.3 % | Q1 FY26-27 / Q4 FY25-26 |
| gross written premium(size) | 1180 ₹ crore | 20072 ₹ crore | Q1 FY26-27 / FY25-03 |
| workmen's compensation incurred claims ratio | 38.6 % | 19.1 % | Q1 FY26-27 / Q4 FY25-26 |
| book value per share(size) | 114.19 ₹ | -15.98 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| fire combined ratio | 150.7 % | 176.5 % | Q1 FY26-27 / Q4 FY25-26 |
| net worth growth rate(size) | 7.3 % | 0.0 % | Q1 FY26-27 |
| motor TP segment premium(size) | 78711 ₹ lakh | 187028 ₹ lakh | Q1 FY26-27 |
| personal accident segment premium(size) | 4253 ₹ lakh | 7681 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 319808 INR_lakhs | 233920 INR_lakhs | Q1 FY26-27 |
| gross direct premium growth rate(size) | 22.9 % | -27.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 46028 ₹ lakh | 5345 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 1969 ₹ lakh | 61685 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 313126 count | 1143981 count | Q1 FY26-27 |
| engineering incurred claims ratio | 148.8 % | 43.4 % | Q1 FY26-27 / Q4 FY25-26 |
| net retention ratio(size) | 84.0 % | 71.9 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 11 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 3.02 × | -1.49 × | Q1 FY26-27 |
| combined ratio | 104.7 % | 139.1 % | Q1 FY26-27 |
| available solvency margin(size) | 271557 ₹ lakh | -874629 ₹ lakh | Q1 FY26-27 |
| engineering combined ratio | 233.1 % | 97.9 % | Q1 FY26-27 / Q4 FY25-26 |
| gross npa ratio | 0.00 % | 1.01 % | Q1 FY26-27 |
| motor OD segment premium(size) | 29251 ₹ lakh | 47468 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 5.06 ₹ | -12.39 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| other approved securities(size) | 5503 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Referral Arrangements premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 0 ₹ lakh | 5184 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 100.0 % | Q1 FY26-27 |
| Referral Arrangements policies(size) | 0 count | 0 count | Q1 FY26-27 |
| central govt. securities(size) | 25.6 % | 23.1 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 58.7 % | 105.4 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio to gross premium | 33.7 % | 27.3 % | Q1 FY26-27 |
| crop combined ratio | 0.0 % | 83.2 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | -6.1 % | -34.6 % | Q1 FY26-27 |
| other investments(size) | 1078 INR_lakhs | 73696 INR_lakhs | Q1 FY26-27 |
| Web Aggregators premium(size) | 17 ₹ lakh | 18079 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 12.3 % | -15.3 % | Q1 FY26-27 / Q4 FY25-26 |
| travel segment premium(size) | 0 ₹ lakh | 116 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 61.7 % | 64.8 % | Q1 FY26-27 / Q4 FY25-26 |
| personal accident incurred claims ratio | 15.8 % | 116.6 % | Q1 FY26-27 / Q4 FY25-26 |
| Other premium(size) | 0 ₹ lakh | 125587 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo segment premium(size) | 218 ₹ lakh | 6765 ₹ lakh | Q1 FY26-27 |
| expense ratio | 37.4 % | 35.5 % | Q1 FY26-27 |
| profit before tax(size) | 174 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 631 count | 1 count | Q1 FY26-27 |
| gross yield (quarterly) | 7.26 % | 8.97 % | Q1 FY26-27 |
| health segment premium(size) | 1266 ₹ lakh | 206119 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 1251 count | 7461 count | Q1 FY26-27 |
| Brokers premium(size) | 29449 ₹ lakh | 226344 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 58733 count | 2597447 count | Q1 FY26-27 |
| real estate & subsidiaries(size) | 18266 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 723601 count | 50625 count | Q1 FY26-27 |
| Other policies(size) | 0 count | 131 count | Q1 FY26-27 / Q4 FY25-26 |
| net commission ratio(size) | 25.6 % | 18.3 % | Q1 FY26-27 |
| liability incurred claims ratio | 30.4 % | 42.2 % | Q1 FY26-27 / Q4 FY25-26 |
| motor od combined ratio | 134.8 % | 143.8 % | Q1 FY26-27 / Q4 FY25-26 |
| engineering segment premium(size) | 850 ₹ lakh | 12861 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 30.3 % | 49.1 % | Q1 FY26-27 |
| fire incurred claims ratio | 58.6 % | 107.6 % | Q1 FY26-27 / Q4 FY25-26 |
| housing & infrastructure(size) | 34.9 % | 19.6 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 542 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 92 ₹ lakh | 600 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 70.3 % | Q1 FY26-27 / Q4 FY25-26 |
| operating profit ratio | 17.2 % | -17.3 % | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 33495 INR_lakhs | Q1 FY26-27 |
| MISP (Direct) premium(size) | 623 ₹ lakh | 612 ₹ lakh | Q1 FY26-27 |
| liability segment premium(size) | 145 ₹ lakh | 8837 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 34718 ₹ lakh | 1598 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 68.7 % | 103.6 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 100.3 % | 68.7 % | Q1 FY26-27 / Q4 FY25-26 |
| Corporate Agents – Banks policies(size) | 13162 count | 34735 count | Q1 FY26-27 |
| Individual Agents premium(size) | 4860 ₹ lakh | 186927 ₹ lakh | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 2328.7 % | Q1 FY26-27 / Q4 FY25-26 |
| infrastructure & housing(size) | 502514 INR_lakhs | 763969 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 98.7 % | 157.7 % | Q1 FY26-27 / Q4 FY25-26 |
| government securities(size) | 458529 INR_lakhs | 1624959 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 5.43 % | 5.92 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 94.5 % | 103.9 % | Q1 FY26-27 / Q4 FY25-26 |
| crop incurred claims ratio | 0.0 % | 63.6 % | Q1 FY26-27 / Q4 FY25-26 |
| marine hull incurred claims ratio | 0.0 % | 21.2 % | Q1 FY26-27 / Q4 FY25-26 |
| Web Aggregators policies(size) | 108 count | 722317 count | Q1 FY26-27 |
| aviation incurred claims ratio | 0.0 % | 1790.1 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium to net worth ratio(size) | 39.87 × | -80.00 × | Q1 FY26-27 |
| required solvency margin(size) | 89841 ₹ lakh | 588214 ₹ lakh | Q1 FY26-27 |
| liability combined ratio | 358.1 % | 96.5 % | Q1 FY26-27 / Q4 FY25-26 |
| profit after tax(size) | 131 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 350 ₹ lakh | 980 ₹ lakh | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 177 ₹ lakh | 1922 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 151575 INR_lakhs | 805380 INR_lakhs | Q1 FY26-27 |
| MISP (Direct) policies(size) | 30316 count | 4495 count | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 1079.9 % | 9.0 % | Q1 FY26-27 |
| net yield (annualized) | 5.44 % | 6.83 % | Q4 FY25-26 / FY25-26 |
| gross yield (annualized) | 7.27 % | 10.35 % | Q4 FY25-26 / FY25-26 |
| claims repudiation ratio | 3.53 % | 3.96 % | FY24-25 |
| claim settlement ratio | 71.8 % | 84.9 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.