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Shriram General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricShriram General InsuranceZuno General InsurancePeriod
motor od incurred claims ratio98.4 %80.0 %Q1 FY26-27
marine cargo combined ratio208.4 %936.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)660339 count9545 countQ1 FY26-27
investment income ratio1.7 %2.1 %Q1 FY26-27
health combined ratio96.6 %126.0 %Q1 FY26-27
personal accident combined ratio41.6 %124.0 %Q1 FY26-27
gross written premium(size)1180 ₹ crore402 ₹ croreQ1 FY26-27
workmen's compensation incurred claims ratio38.6 %56.0 %Q1 FY26-27
fire combined ratio150.7 %-38.0 %Q1 FY26-27
net worth growth rate(size)7.3 %13.0 %Q1 FY26-27
motor TP segment premium(size)78711 ₹ lakh10171 ₹ lakhQ1 FY26-27
personal accident segment premium(size)4253 ₹ lakh2430 ₹ lakhQ1 FY26-27
debentures & bonds(size)319808 INR_lakhs35131 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)22.9 %62.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)46028 ₹ lakh1065 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)5.2 %57.0 %Q1 FY26-27
fire segment premium(size)1969 ₹ lakh1482 ₹ lakhQ1 FY26-27
Brokers policies(size)313126 count221205 countQ1 FY26-27
other segment premium(size)1141 ₹ lakh2472 ₹ lakhQ1 FY26-27
engineering incurred claims ratio148.8 %471.0 %Q1 FY26-27
net retention ratio(size)84.0 %57.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)11 ₹ lakh0 ₹ lakhQ1 FY26-27
solvency ratio3.02 ×1.64 ×Q1 FY26-27
combined ratio104.7 %115.0 %Q1 FY26-27
engineering combined ratio233.1 %-308.0 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
motor OD segment premium(size)29251 ₹ lakh11217 ₹ lakhQ1 FY26-27
other approved securities(size)5503 INR_lakhs15995 INR_lakhsQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
central govt. securities(size)25.6 %23.0 %Q1 FY26-27
motor tp incurred claims ratio58.7 %53.0 %Q1 FY26-27
expense ratio to gross premium33.7 %31.0 %Q1 FY26-27
underwriting balance ratio-6.1 %-0.2 %Q1 FY26-27
other investments(size)1078 INR_lakhs20794 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)17 ₹ lakh2 ₹ lakhQ1 FY26-27
net earning ratio12.3 %-2.0 %Q1 FY26-27
travel segment premium(size)0 ₹ lakh40 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio61.7 %93.0 %Q1 FY26-27
travel combined ratio45.9 %260.0 %Q1 FY26-27
personal accident incurred claims ratio15.8 %96.0 %Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)218 ₹ lakh104 ₹ lakhQ1 FY26-27
expense ratio37.4 %34.0 %Q1 FY26-27
profit before tax(size)174 ₹ crore-4 ₹ croreQ1 FY26-27
Common Service Centres (CSC) policies(size)631 count0 countQ1 FY26-27
gross yield (quarterly)7.26 %2.05 %Q1 FY26-27
health segment premium(size)1266 ₹ lakh12044 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)1251 count416 countQ1 FY26-27
Brokers premium(size)29449 ₹ lakh34463 ₹ lakhQ1 FY26-27
Individual Agents policies(size)58733 count2652 countQ1 FY26-27
real estate & subsidiaries(size)18266 INR_lakhs4636 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)723601 count4637 countQ1 FY26-27
Other policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)25.6 %10.0 %Q1 FY26-27
liability incurred claims ratio30.4 %55.0 %Q1 FY26-27
motor od combined ratio134.8 %133.0 %Q1 FY26-27
engineering segment premium(size)850 ₹ lakh121 ₹ lakhQ1 FY26-27
govt + approved securities(size)30.3 %31.0 %Q1 FY26-27
fire incurred claims ratio58.6 %-46.0 %Q1 FY26-27
housing & infrastructure(size)34.9 %26.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)92 ₹ lakh64 ₹ lakhQ1 FY26-27
operating profit ratio17.2 %-3.0 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
MISP (Direct) premium(size)623 ₹ lakh431 ₹ lakhQ1 FY26-27
liability segment premium(size)145 ₹ lakh91 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)34718 ₹ lakh3306 ₹ lakhQ1 FY26-27
travel incurred claims ratio37.1 %199.0 %Q1 FY26-27
incurred claims ratio68.7 %81.0 %Q1 FY26-27
marine cargo incurred claims ratio100.3 %903.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)13162 count3 countQ1 FY26-27
Individual Agents premium(size)4860 ₹ lakh339 ₹ lakhQ1 FY26-27
infrastructure & housing(size)502514 INR_lakhs52190 INR_lakhsQ1 FY26-27
motor tp combined ratio98.7 %89.0 %Q1 FY26-27
government securities(size)458529 INR_lakhs41239 INR_lakhsQ1 FY26-27
net yield (quarterly)5.43 %2.05 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio94.5 %99.0 %Q1 FY26-27
Web Aggregators policies(size)108 count26 countQ1 FY26-27
gross direct premium to net worth ratio(size)39.87 ×98.00 ×Q1 FY26-27
liability combined ratio358.1 %77.0 %Q1 FY26-27
profit after tax(size)131 ₹ crore-4 ₹ croreQ1 FY26-27
Corporate Agents – Banks premium(size)350 ₹ lakh-2 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
workmen's compensation segment premium(size)177 ₹ lakh1 ₹ lakhQ1 FY26-27
equity & preference shares(size)151575 INR_lakhs4406 INR_lakhsQ1 FY26-27
MISP (Direct) policies(size)30316 count1970 countQ1 FY26-27
technical reserves to premium ratio(size)1079.9 %6.3 %Q1 FY26-27
net yield (annualized)5.44 %8.42 %Q4 FY25-26 / FY25-26
gross yield (annualized)7.27 %8.42 %Q4 FY25-26 / FY25-26
claims repudiation ratio3.53 %7.59 %FY24-25
claim settlement ratio71.8 %70.9 %FY24-25 / Q1 FY26-27

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

Individual profiles

Shriram General Insurance
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Zuno General Insurance
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