Factuary

Acko General Insurance Insurance Data

generalIRDAI Reg. 157

Digital-first general insurer covering motor, health, and travel insurance. Listed on BSE/NSE. Known for direct-to-consumer distribution with no intermediary commissions.

HQ: Bengaluru
Founded: 2016
Website ↗
IRDAI Disclosures ↗

Acko General Insurance is a general insurance company licensed by IRDAI (registration number 157). Its solvency ratio of 1.59× as of Q1 FY26-27 exceeds the IRDAI mandatory minimum of 1.5×, ranking 23rd among 27 general insurers. The company reported gross written premium of ₹749 crore in Q1 FY26-27, ranking 10th by premium among 15 general insurers. Its incurred claim ratio of 72.9% in Q1 FY26-27 is below the general insurer median of 85.6%, ranking 3rd among 27 general insurers. Its combined ratio of 111.7% in Q1 FY26-27 is above 100%.

Peer rank among general insurers with data for that metric. Not shown when fewer than 3 peers have data.

A snapshot, not a time series — see Underwriting Performance, Revenue Mix and Distribution Mix for how these move quarter to quarter.

How to read this page

GWP — Gross Written Premium: total premium underwritten, including any reinsurance accepted.
GDPI — Gross Direct Premium Income: premium from direct business only. Insurers disclose both; they are not the same number.
ICR — Incurred Claims Ratio: net incurred claims ÷ net earned premium.
Commission ratio — net commission paid ÷ net written premium.
Combined ratio — (incurred claims + expenses + commission) ÷ net earned premium. Below 100% means an underwriting profit, before investment income.
Solvency ratio — available solvency margin ÷ required solvency margin. IRDAI's regulatory minimum is 1.50×.

This page shows figures in ₹ crore; the detail pages it links to (Underwriting Performance, Distribution Mix) show the same facts in ₹ lakh as filed. Where a filing for a given period couldn't be located, this site says "Not disclosed" rather than estimating.

GWP, Q1 FY26-27
₹749 cr
GDPI, Q1 FY26-27
₹749 cr
Gross Direct Premium Income

Acko General Insurance: Hybrid business — Health, Personal Accident and Travel together — made up 53.5% of gross direct premium in Q1 FY26-27; Brokers carried 49.1% of premium in Q1 FY26-27.

Line of business — Q1 FY26-27 (₹ crore, % of GDPI)

Retail: bought directly by an individual (Motor). Hybrid: designed for individuals but sold in a group structure (Health, Personal Accident, Travel). Commercial: the end beneficiary is a business (Fire, Marine, Engineering, Liability, Aviation, Crop, Credit and other specialty lines).

SegmentGross direct premiumShare
Retail₹285 cr38.1%
Hybrid₹401 cr53.5%
Commercial₹63 cr8.4%
Grand total₹749 cr100%

Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — see Underwriting Performance for the full per-segment detail this rolls up from.

Channel mix — Q1 FY26-27 (₹ crore, % of premium)

ChannelPremiumShare
Brokers₹159 cr49.1%
Corporate Agents₹154 cr47.7%
Banks₹10 cr3.2%
Total₹323 cr100%

Regrouped from IRDAI Form NL-36's finer channel list — Agents/POSP = Individual agents + Point of Sales Persons; Others = Micro agents, Common Service Centres, Insurance Marketing Firms, MISP, Web aggregators and Referral arrangements. See Distribution Mix for the full unrounded breakdown.

Full data, every metric

Premium

gross written premium₹749 croreQ1 FY26-27NL-35-QUARTERLY-BUSINESS-RETURNS

Solvency

solvency ratio1.59×Q1 FY26-27NL-26-SOLVENCY-MARGIN

Solvency Margin

required solvency margin₹50,918 lakhQ1 FY26-27NL-26-SOLVENCY-MARGIN
available solvency margin₹80,829 lakhQ1 FY26-27NL-26-SOLVENCY-MARGIN

Claim Settlement

claim settlement ratio75.0%Q1 FY26-27NL-37-CLAIMS-DATA

Incurred Claims

incurred claims ratio72.9%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Combined Ratio

combined ratio111.7%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Expense Ratio

expense ratio to gross premium43.9%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
expense ratio38.8%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Financial Position

profit after tax₹-29 croreQ1 FY26-27NL-2-B-PL
return on net worth-3.6%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
profit before tax₹-29 croreQ1 FY26-27NL-2-B-PL

Underwriting

net retention ratio78.8%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
investment income ratio8.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net commission ratio11.9%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
operating profit ratio-6.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
underwriting balance ratio-16.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net earning ratio-4.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium to net worth ratio91.00×Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Growth

net worth growth rate-1.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium growth rate42.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Distribution by Channel

Common Service Centres (CSC) premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Referral Arrangements policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
MISP (Direct) policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks premium₹1,030 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Common Service Centres (CSC) policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
MISP (Direct) premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Micro Agents policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers policies89,415Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others policies1,31,237Q1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers premium₹15,850 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Other premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others premium₹15,372 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Other policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Point of Sales Person (Direct) policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Referral Arrangements premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Point of Sales Person (Direct) premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Micro Agents premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS

Investment Mix

other investments68,748 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
infrastructure & housing66,621 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
mutual funds16,958 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
government securities1,39,488 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
debentures & bonds98,124 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
real estate & subsidiaries11,419 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
other approved securities2,372 INR_lakhsQ4 FY25-26NL-12-INVESTMENT-SCHEDULE
equity & preference shares526 INR_lakhsQ1 FY25-26NL-12-INVESTMENT-SCHEDULE

Investment Exposure Norms

central govt. securities22.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
housing & infrastructure16.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
govt + approved securities35.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS

Investment Yield

gross yield (quarterly)7.93%Q1 FY26-27NL-31-INVESTMENT-INCOME
net yield (quarterly)7.93%Q1 FY26-27NL-31-INVESTMENT-INCOME
gross yield (annualized)7.81%Q4 FY25-26NL-31-INVESTMENT-INCOME
net yield (annualized)7.81%Q4 FY25-26NL-31-INVESTMENT-INCOME

Revenue Mix by Segment

crop insurance segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine cargo segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
other segment premium₹4,515 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
workmen's compensation segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
liability segment premium₹1,727 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
fire segment premium₹74 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
travel segment premium₹1,979 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
health segment premium₹37,617 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
aviation segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine hull segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor OD segment premium₹11,794 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
personal accident segment premium₹504 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor TP segment premium₹16,719 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
engineering segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE

Other Claims

claims repudiation ratio1.91%FY24-25Handbook-Table-53
claims paid to provisioned ratio6.7%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Per Share

book value per share₹2.94Q1 FY26-27NL-20-ANALYTICAL-RATIOS
earnings per share₹-0.10Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Balance Sheet

gross NPA ratio1.18%Q1 FY21-22NL-20-ANALYTICAL-RATIOS
net NPA ratio0.59%Q1 FY21-22NL-20-ANALYTICAL-RATIOS
technical reserves to premium ratio364.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liquid assets to liabilities ratio27.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Other

personal accident incurred claims ratio36.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire incurred claims ratio47.7%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od incurred claims ratio127.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel incurred claims ratio30.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp incurred claims ratio59.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability incurred claims ratio92.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other incurred claims ratio85.2%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
health incurred claims ratio56.3%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
personal accident combined ratio67.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp combined ratio98.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire combined ratio54.9%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel combined ratio48.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od combined ratio164.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability combined ratio94.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other combined ratio94.5%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
health combined ratio104.5%Q4 FY25-26NL-20-ANALYTICAL-RATIOS

Data from IRDAI public disclosures. Click a metric name for full history and provenance.

Compare & Reports

Acko General Insurance financial performance — quarterly ratios →

Acko General Insurance underwriting performance — by segment →

Acko General Insurance revenue mix & quality of business →

Acko General Insurance distribution mix — by channel →

Compare Acko General Insurance against another general insurer →

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