Shriram General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Shriram General Insurance | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| motor od incurred claims ratio | 98.4 % | 92.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 208.4 % | 198.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 660339 count | 15038 count | Q1 FY26-27 |
| investment income ratio | 1.7 % | 7.0 % | Q1 FY26-27 |
| health combined ratio | 96.6 % | 115.0 % | Q1 FY26-27 |
| personal accident combined ratio | 41.6 % | 87.0 % | Q1 FY26-27 |
| gross written premium(size) | 1180 ₹ crore | 625 ₹ crore | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 38.6 % | 24.0 % | Q1 FY26-27 |
| book value per share(size) | 114.19 ₹ | 14.75 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| fire combined ratio | 150.7 % | 80.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 7.3 % | -17.0 % | Q1 FY26-27 |
| motor TP segment premium(size) | 78711 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| personal accident segment premium(size) | 4253 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 319808 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| gross direct premium growth rate(size) | 22.9 % | 9.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 46028 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 5.2 % | 12.0 % | Q1 FY26-27 |
| fire segment premium(size) | 1969 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 313126 count | 326637 count | Q1 FY26-27 |
| other segment premium(size) | 1141 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 148.8 % | 26.0 % | Q1 FY26-27 |
| net retention ratio(size) | 84.0 % | 73.0 % | Q1 FY26-27 |
| solvency ratio | 3.02 × | 2.84 × | Q1 FY26-27 |
| combined ratio | 104.7 % | 132.0 % | Q1 FY26-27 |
| engineering combined ratio | 233.1 % | 85.0 % | Q1 FY26-27 |
| gross npa ratio | 0.00 % | 0.00 % | Q1 FY26-27 |
| motor OD segment premium(size) | 29251 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | 5.06 ₹ | -0.93 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| marine hull segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| central govt. securities(size) | 25.6 % | 21.9 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 58.7 % | 106.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 33.7 % | 37.0 % | Q1 FY26-27 |
| underwriting balance ratio | -6.1 % | -36.0 % | Q1 FY26-27 |
| other investments(size) | 1078 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| Web Aggregators premium(size) | 17 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 12.3 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| travel segment premium(size) | 0 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 61.7 % | 63.0 % | Q1 FY26-27 |
| travel combined ratio | 45.9 % | 222.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 15.8 % | 33.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 218 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| expense ratio | 37.4 % | 46.0 % | Q1 FY26-27 |
| profit before tax(size) | 174 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| gross yield (quarterly) | 7.26 % | 7.04 % | Q1 FY26-27 |
| health segment premium(size) | 1266 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 1251 count | 765 count | Q1 FY26-27 |
| Brokers premium(size) | 29449 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 58733 count | 6676 count | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 723601 count | 20705 count | Q1 FY26-27 |
| net commission ratio(size) | 25.6 % | 21.0 % | Q1 FY26-27 |
| liability incurred claims ratio | 30.4 % | 72.0 % | Q1 FY26-27 |
| motor od combined ratio | 134.8 % | 147.0 % | Q1 FY26-27 |
| engineering segment premium(size) | 850 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 30.3 % | 32.8 % | Q1 FY26-27 |
| fire incurred claims ratio | 58.6 % | 42.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 34.9 % | 37.1 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 92 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 17.2 % | -23.0 % | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| MISP (Direct) premium(size) | 623 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| liability segment premium(size) | 145 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 34718 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 37.1 % | 102.0 % | Q1 FY26-27 |
| incurred claims ratio | 68.7 % | 86.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 100.3 % | 126.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 13162 count | 26983 count | Q1 FY26-27 |
| Individual Agents premium(size) | 4860 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 502514 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 98.7 % | 150.0 % | Q1 FY26-27 |
| government securities(size) | 458529 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 5.43 % | 7.04 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 94.5 % | 77.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 108 count | 53 count | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 39.87 × | 41.00 × | Q1 FY26-27 |
| liability combined ratio | 358.1 % | 118.0 % | Q1 FY26-27 |
| profit after tax(size) | 131 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 350 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 4 count | Q1 FY26-27 / Q4 FY25-26 |
| workmen's compensation segment premium(size) | 177 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 30316 count | 41 count | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 1079.9 % | 5.4 % | Q1 FY26-27 |
| net yield (annualized) | 5.44 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| gross yield (annualized) | 7.27 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| claims repudiation ratio | 3.53 % | 3.79 % | FY24-25 |
| claim settlement ratio | 71.8 % | 80.2 % | FY24-25 / Q3 FY25-26 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.