Factuary

Zuno General Insurance Insurance Data

generalIRDAI Reg. 149

Digital general insurer; formerly Edelweiss General Insurance.

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IRDAI Disclosures ↗

Zuno General Insurance is a general insurance company licensed by IRDAI (registration number 149). Its solvency ratio of 1.64× as of Q1 FY26-27 exceeds the IRDAI mandatory minimum of 1.5×, ranking 22nd among 27 general insurers. The company reported gross written premium of ₹402 crore in Q1 FY26-27, ranking 12th by premium among 15 general insurers. Its incurred claim ratio of 81.0% in Q1 FY26-27 is below the general insurer median of 85.6%, ranking 12th among 27 general insurers. Its combined ratio of 115.0% 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
₹402 cr
GDPI, Q1 FY26-27
₹402 cr
Gross Direct Premium Income

Zuno General Insurance: Retail business — Motor — made up 53.2% of gross direct premium in Q1 FY26-27; Brokers carried 86.9% 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₹214 cr53.2%
Hybrid₹145 cr36.1%
Commercial₹43 cr10.6%
Grand total₹402 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₹345 cr86.9%
Corporate Agents₹33 cr8.3%
Agents/POSP₹14 cr3.5%
Others₹5 cr1.3%
Total₹397 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₹402 croreQ1 FY26-27NL-35-QUARTERLY-BUSINESS-RETURNS

Solvency

solvency ratio1.64×Q1 FY26-27NL-26-SOLVENCY-MARGIN

Claim Settlement

claim settlement ratio70.9%Q1 FY26-27NL-37-CLAIMS-DATA

Incurred Claims

incurred claims ratio81.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Combined Ratio

combined ratio115.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Expense Ratio

expense ratio to gross premium31.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
expense ratio34.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Financial Position

profit before tax₹-4 croreQ1 FY26-27NL-2-B-PL
profit after tax₹-4 croreQ1 FY26-27NL-2-B-PL

Underwriting

net retention ratio57.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
investment income ratio2.1%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net commission ratio10.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
operating profit ratio-3.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
net earning ratio-2.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
underwriting balance ratio-0.2%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium to net worth ratio98.00×Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Growth

net worth growth rate13.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross direct premium growth rate62.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Distribution by Channel

Corporate Agents – Others premium₹3,306 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators policies26Q1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm policies416Q1 FY26-27NL-36-BUSINESS-CHANNELS
Point of Sales Person (Direct) premium₹1,065 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Micro Agents premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Other policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Referral Arrangements premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Others policies4,637Q1 FY26-27NL-36-BUSINESS-CHANNELS
Web Aggregators premium₹2 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
MISP (Direct) premium₹431 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers policies2,21,205Q1 FY26-27NL-36-BUSINESS-CHANNELS
Common Service Centres (CSC) premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks premium₹-2 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
MISP (Direct) policies1,970Q1 FY26-27NL-36-BUSINESS-CHANNELS
Other premium₹0 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Common Service Centres (CSC) policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Corporate Agents – Banks policies3Q1 FY26-27NL-36-BUSINESS-CHANNELS
Micro Agents policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Point of Sales Person (Direct) policies9,545Q1 FY26-27NL-36-BUSINESS-CHANNELS
Insurance Marketing Firm premium₹64 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Referral Arrangements policies0Q1 FY26-27NL-36-BUSINESS-CHANNELS
Brokers premium₹34,463 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents policies2,652Q1 FY26-27NL-36-BUSINESS-CHANNELS
Individual Agents premium₹339 lakhQ1 FY26-27NL-36-BUSINESS-CHANNELS

Investment Mix

mutual funds7,230 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
other investments20,794 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
real estate & subsidiaries4,636 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
equity & preference shares4,406 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
other approved securities15,995 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
infrastructure & housing52,190 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
government securities41,239 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE
debentures & bonds35,131 INR_lakhsQ1 FY26-27NL-12-INVESTMENT-SCHEDULE

Investment Exposure Norms

central govt. securities23.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
govt + approved securities31.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS
housing & infrastructure26.0%Q1 FY26-27NL-28B-EXPOSURE-NORMS

Investment NPA

gross npa ratio0.00%Q1 FY26-27NL-30-NON-PERFORMING-ASSETS
gross npa (amount)0 INR_lakhsQ1 FY26-27NL-30-NON-PERFORMING-ASSETS
npa provision coverage0.0%Q1 FY26-27NL-30-NON-PERFORMING-ASSETS

Investment Yield

net yield (quarterly)2.05%Q1 FY26-27NL-31-INVESTMENT-INCOME
gross yield (quarterly)2.05%Q1 FY26-27NL-31-INVESTMENT-INCOME
net yield (annualized)8.42%FY25-26NL-31-INVESTMENT-INCOME
gross yield (annualized)8.42%FY25-26NL-31-INVESTMENT-INCOME

Revenue Mix by Segment

personal accident segment premium₹2,430 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine hull segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
health segment premium₹12,044 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
marine cargo segment premium₹104 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
aviation segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
crop insurance segment premium₹0 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor TP segment premium₹10,171 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
workmen's compensation segment premium₹1 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
engineering segment premium₹121 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
other segment premium₹2,472 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
travel segment premium₹40 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
motor OD segment premium₹11,217 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
fire segment premium₹1,482 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE
liability segment premium₹91 lakhQ1 FY26-27NL-4-PREMIUM-SCHEDULE

Other Claims

claims repudiation ratio7.59%FY24-25Handbook-Table-53
claims paid to provisioned ratio57.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Balance Sheet

net NPA ratio0.00%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
gross NPA ratio0.00%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
technical reserves to premium ratio6.3%Q1 FY26-27NL-20-ANALYTICAL-RATIOS

Other

marine cargo incurred claims ratio903.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel incurred claims ratio199.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire incurred claims ratio-46.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor od incurred claims ratio80.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability incurred claims ratio55.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health incurred claims ratio99.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident incurred claims ratio96.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
engineering incurred claims ratio471.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp incurred claims ratio53.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
workmen's compensation incurred claims ratio56.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other incurred claims ratio90.0%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
crop incurred claims ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS
aviation incurred claims ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS
marine hull incurred claims ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS
motor od combined ratio133.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
personal accident combined ratio124.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
engineering combined ratio-308.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
workmen's compensation combined ratio93.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
fire combined ratio-38.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
health combined ratio126.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
marine cargo combined ratio936.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
travel combined ratio260.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
liability combined ratio77.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
motor tp combined ratio89.0%Q1 FY26-27NL-20-ANALYTICAL-RATIOS
other combined ratio-2.0%Q4 FY25-26NL-20-ANALYTICAL-RATIOS
crop combined ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS
marine hull combined ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS
aviation combined ratio0.0%Q4 FY23-24NL-20-ANALYTICAL-RATIOS

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

Compare & Reports

Zuno General Insurance financial performance — quarterly ratios →

Zuno General Insurance underwriting performance — by segment →

Zuno General Insurance revenue mix & quality of business →

Zuno General Insurance distribution mix — by channel →

Compare Zuno General Insurance against another general insurer →

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