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United India Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricUnited India InsuranceZuno General InsurancePeriod
profit before tax(size)-809 ₹ crore-4 ₹ croreQ1 FY26-27
government securities(size)1624959 INR_lakhs41239 INR_lakhsQ1 FY26-27
health segment premium(size)206119 ₹ lakh12044 ₹ lakhQ1 FY26-27
mutual funds(size)145809 INR_lakhs7230 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)-80.00 ×98.00 ×Q1 FY26-27
Point of Sales Person (Direct) premium(size)5345 ₹ lakh1065 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)4495 count1970 countQ1 FY26-27
Brokers premium(size)226344 ₹ lakh34463 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)50625 count4637 countQ1 FY26-27
travel segment premium(size)116 ₹ lakh40 ₹ lakhQ1 FY26-27
personal accident segment premium(size)7681 ₹ lakh2430 ₹ lakhQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
other investments(size)73696 INR_lakhs20794 INR_lakhsQ1 FY26-27
Brokers policies(size)1143981 count221205 countQ1 FY26-27
Corporate Agents – Banks policies(size)34735 count3 countQ1 FY26-27
MISP (Direct) premium(size)612 ₹ lakh431 ₹ lakhQ1 FY26-27
equity & preference shares(size)805380 INR_lakhs4406 INR_lakhsQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)233920 INR_lakhs35131 INR_lakhsQ1 FY26-27
central govt. securities(size)23.1 %23.0 %Q1 FY26-27
liability segment premium(size)8837 ₹ lakh91 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.0 %6.3 %Q1 FY26-27
gross npa (amount)33495 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)187028 ₹ lakh10171 ₹ lakhQ1 FY26-27
expense ratio35.5 %34.0 %Q1 FY26-27
fire segment premium(size)61685 ₹ lakh1482 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
combined ratio139.1 %115.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)7461 count416 countQ1 FY26-27
workmen's compensation segment premium(size)1922 ₹ lakh1 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)0 INR_lakhs4636 INR_lakhsQ1 FY26-27
operating profit ratio-17.3 %-3.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
marine cargo segment premium(size)6765 ₹ lakh104 ₹ lakhQ1 FY26-27
housing & infrastructure(size)19.6 %26.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)1 count0 countQ1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
engineering segment premium(size)12861 ₹ lakh121 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)980 ₹ lakh-2 ₹ lakhQ1 FY26-27
gross yield (quarterly)8.97 %2.05 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)87834 count9545 countQ1 FY26-27
Web Aggregators premium(size)18079 ₹ lakh2 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1598 ₹ lakh3306 ₹ lakhQ1 FY26-27
net commission ratio(size)18.3 %10.0 %Q1 FY26-27
net yield (quarterly)5.92 %2.05 %Q1 FY26-27
Web Aggregators policies(size)722317 count26 countQ1 FY26-27
gross direct premium growth rate(size)-27.0 %62.0 %Q1 FY26-27
infrastructure & housing(size)763969 INR_lakhs52190 INR_lakhsQ1 FY26-27
investment income ratio8.9 %2.1 %Q1 FY26-27
underwriting balance ratio-34.6 %-0.2 %Q1 FY26-27
profit after tax(size)-809 ₹ crore-4 ₹ croreQ1 FY26-27
marine hull segment premium(size)5184 ₹ lakh0 ₹ lakhQ1 FY26-27
Individual Agents policies(size)2597447 count2652 countQ1 FY26-27
net worth growth rate(size)0.0 %13.0 %Q1 FY26-27
gross npa ratio1.01 %0.00 %Q1 FY26-27
Insurance Marketing Firm premium(size)600 ₹ lakh64 ₹ lakhQ1 FY26-27
solvency ratio-1.49 ×1.64 ×Q1 FY26-27
aviation segment premium(size)542 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio103.6 %81.0 %Q1 FY26-27
expense ratio to gross premium27.3 %31.0 %Q1 FY26-27
govt + approved securities(size)49.1 %31.0 %Q1 FY26-27
net retention ratio(size)71.9 %57.0 %Q1 FY26-27
other approved securities(size)0 INR_lakhs15995 INR_lakhsQ1 FY26-27
Individual Agents premium(size)186927 ₹ lakh339 ₹ lakhQ1 FY26-27
motor OD segment premium(size)47468 ₹ lakh11217 ₹ lakhQ1 FY26-27
Other policies(size)131 count0 countQ4 FY25-26 / Q1 FY26-27
liability incurred claims ratio42.2 %55.0 %Q4 FY25-26 / Q1 FY26-27
personal accident incurred claims ratio116.6 %96.0 %Q4 FY25-26 / Q1 FY26-27
workmen's compensation combined ratio64.8 %93.0 %Q4 FY25-26 / Q1 FY26-27
personal accident combined ratio151.3 %124.0 %Q4 FY25-26 / Q1 FY26-27
marine cargo combined ratio108.4 %936.0 %Q4 FY25-26 / Q1 FY26-27
liability combined ratio96.5 %77.0 %Q4 FY25-26 / Q1 FY26-27
motor od incurred claims ratio98.5 %80.0 %Q4 FY25-26 / Q1 FY26-27
engineering incurred claims ratio43.4 %471.0 %Q4 FY25-26 / Q1 FY26-27
engineering combined ratio97.9 %-308.0 %Q4 FY25-26 / Q1 FY26-27
motor tp incurred claims ratio105.4 %53.0 %Q4 FY25-26 / Q1 FY26-27
net earning ratio-15.3 %-2.0 %Q4 FY25-26 / Q1 FY26-27
motor od combined ratio143.8 %133.0 %Q4 FY25-26 / Q1 FY26-27
marine cargo incurred claims ratio68.7 %903.0 %Q4 FY25-26 / Q1 FY26-27
Other premium(size)125587 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
health combined ratio132.0 %126.0 %Q4 FY25-26 / Q1 FY26-27
fire incurred claims ratio107.6 %-46.0 %Q4 FY25-26 / Q1 FY26-27
fire combined ratio176.5 %-38.0 %Q4 FY25-26 / Q1 FY26-27
health incurred claims ratio103.9 %99.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio157.7 %89.0 %Q4 FY25-26 / Q1 FY26-27
gross NPA ratio1.00 %0.00 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.83 %8.42 %FY25-26
workmen's compensation incurred claims ratio19.1 %56.0 %Q4 FY25-26 / Q1 FY26-27
net NPA ratio0.00 %0.00 %Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)10.35 %8.42 %FY25-26
claims repudiation ratio3.96 %7.59 %FY24-25
claim settlement ratio84.9 %70.9 %FY24-25 / Q1 FY26-27
gross written premium(size)20072 ₹ crore402 ₹ croreFY25-03 / Q1 FY26-27

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

Individual profiles

United India Insurance
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Zuno General Insurance
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