Provenance note: The IRDAI registration number for this insurer is not yet verified from the official IRDAI registry. Data is published as filed, but treat with care for regulatory comparisons.
Shriram General Insurance is a general insurance company licensed by IRDAI. Its solvency ratio of 3.02× as of Q1 FY26-27 exceeds the IRDAI mandatory minimum of 1.5×, ranking 3rd among 27 general insurers. The company reported gross written premium of ₹1180 crore in Q1 FY26-27, ranking 9th by premium among 15 general insurers. Its incurred claim ratio of 68.7% in Q1 FY26-27 is below the general insurer median of 85.6%, ranking 2nd among 27 general insurers. Its combined ratio of 104.7% 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
₹1,180 cr
GDPI, Q1 FY26-27
₹1,180 cr
Gross Direct Premium Income
Shriram General Insurance: Retail business — Motor — made up 91.5% of gross direct premium in Q1 FY26-27; Agents/POSP carried 43.8% 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).
Segment
Gross direct premium
Share
Retail
₹1,080 cr
91.5%
Hybrid
₹55 cr
4.7%
Commercial
₹45 cr
3.8%
Grand total
₹1,180 cr
100%
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)
Channel
Premium
Share
Agents/POSP
₹509 cr
43.8%
Corporate Agents
₹347 cr
29.9%
Brokers
₹294 cr
25.4%
Others
₹7 cr
0.6%
Banks
₹4 cr
0.3%
Total
₹1,161 cr
100%
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.