Factuary

Universal Sompo General Insurance Insurance Data

generalIRDAI Reg. 134

Joint venture between Allahabad Bank, Karnataka Bank, Indian Overseas Bank, and Sompo Japan Nipponkoa.

HQ: Mumbai
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IRDAI Disclosures ↗

Universal Sompo General Insurance is a general insurance company licensed by IRDAI (registration number 134). Its solvency ratio of 1.97× as of Q4 FY24-25 exceeds the IRDAI mandatory minimum of 1.5×, ranking 14th among 27 general insurers. The company reported gross written premium of ₹5078 crore in FY25-03, ranking 15th by premium among 26 general insurers. Its incurred claim ratio of 80.3% in Q1 FY26-27 is below the general insurer median of 85.6%, ranking 10th among 27 general insurers. Its combined ratio of 104.3% 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, FY25-03
₹5,078 cr
GDPI, Q1 FY26-27
₹1,706 cr
Gross Direct Premium Income

Universal Sompo General Insurance: Retail business — Motor — made up 62.1% of gross direct premium in Q1 FY26-27; Brokers carried 62.2% 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₹1,060 cr62.1%
Hybrid₹416 cr24.4%
Commercial₹230 cr13.5%
Grand total₹1,706 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₹1,089 cr62.2%
Agents/POSP₹276 cr15.8%
Direct non-website₹226 cr12.9%
Banks₹113 cr6.5%
Corporate Agents₹26 cr1.5%
Others₹21 cr1.2%
Total₹1,751 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₹5,078 croreFY25-03Handbook-Table-2-40

Solvency

solvency ratio1.97×Q4 FY24-25Table-49

Claim Settlement

claim settlement ratio91.3%FY24-25Handbook-Table-53

Incurred Claims

incurred claims ratio80.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Combined Ratio

combined ratio104.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Expense Ratio

expense ratio to gross premium28.7%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
expense ratio24.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Financial Position

profit after tax₹41 croreQ1 FY26-27NL-2-B-PL
profit before tax₹55 croreQ1 FY26-27NL-2-B-PL

Underwriting

investment income ratio1.8%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net retention ratio52.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net commission ratio10.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
operating profit ratio4.6%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
underwriting balance ratio-8.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net earning ratio5.8%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
gross direct premium to net worth ratio93.00×Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Growth

gross direct premium growth rate33.5%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net worth growth rate12.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Distribution by Channel

Point of Sales Person (Direct) premium₹20,072 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm policies4,758Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks premium₹11,348 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others premium₹2,597 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks policies1,29,053Q1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators premium₹919 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Common Service Centres (CSC) premium₹634 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators policies760Q1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents premium₹7,540 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents policies46,866Q1 FY26-27NL-36-BUSINESS-CHANNELS
Direct Business – Others policies1,494Q1 FY26-27NL-36-BUSINESS-CHANNELS
Common Service Centres (CSC) policies22,916Q1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers premium₹1,08,870 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers policies8,53,611Q1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm premium₹507 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Direct Business – Others premium₹22,576 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Point of Sales Person (Direct) policies1,46,450Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others policies22,034Q1 FY26-27NL-36-BUSINESS-CHANNELS

Investment Mix

other investments21,552 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
infrastructure & housing1,97,661 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
other approved securities6,634 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
equity & preference shares42,415 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
government securities2,63,751 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
debentures & bonds1,67,084 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
mutual funds207 INR_lakhsQ2 FY25-26NL-12-INVESTMENT-SCHEDULE

Investment Exposure Norms

central govt. securities25.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
govt + approved securities37.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
housing & infrastructure29.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS

Investment Yield

gross yield (quarterly)7.16%Q1 FY26-27NL-31-INVESTMENT-INCOME
net yield (quarterly)5.36%Q1 FY26-27NL-31-INVESTMENT-INCOME
gross yield (annualized)8.00%Q4 FY25-26NL-31-INVESTMENT-INCOME
net yield (annualized)6.00%Q4 FY25-26NL-31-INVESTMENT-INCOME

Revenue Mix by Segment

personal accident segment premium₹6,636 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
fire segment premium₹9,563 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine hull segment premium₹7,138 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor OD segment premium₹44,195 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine cargo segment premium₹2,242 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
crop insurance segment premium₹2,057 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
workmen's compensation segment premium₹87 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
credit insurance segment premium₹424 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor TP segment premium₹61,853 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
health segment premium₹34,439 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
travel segment premium₹478 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
engineering segment premium₹664 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
liability segment premium₹867 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE

Other Claims

claims repudiation ratio1.76%FY24-25Handbook-Table-53
claims paid to provisioned ratio20.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Per Share

earnings per share₹1.52Q4 FY25-26NL-20-ANALYTICAL-RATIOS
book value per share₹50.20Q4 FY25-26NL-20-ANALYTICAL-RATIOS

Balance Sheet

debt to equity ratio0.14×Q4 FY25-26NL-20-ANALYTICAL-RATIOS
technical reserves to premium ratio4.2%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Other

engineering combined ratio73.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od combined ratio149.2%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
aviation combined ratio0.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
marine cargo combined ratio143.2%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
marine hull combined ratio-881.7%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel combined ratio169.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
workmen's compensation combined ratio96.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
crop combined ratio148.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp combined ratio77.5%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident combined ratio89.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability combined ratio26.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire combined ratio-286.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health combined ratio87.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other combined ratio60.0%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
fire incurred claims ratio-241.8%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability incurred claims ratio-2.9%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health incurred claims ratio71.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
marine cargo incurred claims ratio113.6%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
marine hull incurred claims ratio22.2%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident incurred claims ratio74.4%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
crop incurred claims ratio83.5%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od incurred claims ratio102.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
engineering incurred claims ratio26.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel incurred claims ratio5.5%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
workmen's compensation incurred claims ratio68.5%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
aviation incurred claims ratio0.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp incurred claims ratio65.8%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other incurred claims ratio74.0%Q4 FY25-26NL-20-ANALYTICAL-RATIOS

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

Compare & Reports

Universal Sompo General Insurance financial performance — quarterly ratios →

Universal Sompo General Insurance underwriting performance — by segment →

Universal Sompo General Insurance revenue mix & quality of business →

Universal Sompo General Insurance distribution mix — by channel →

Compare Universal Sompo General Insurance against another general insurer →

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